AVANTE CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/02/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX XXXXX	Web
Company never provided any valid evidence of debt within the 30-day time frame from a dispute filed with the credit bureaus. I Requested information from creditor by affidavit ( from a commissioner of the court ) and the company did n't provide any information requested but sent a printed unsigned ledger nor did they remove any debt from my credit report. Certified Mail # XXXX ALSO XXXX ) Please provide proof of notice that was given that was to be submitted Within five days of the collector 's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debt within 30 days. [ 15 USC 1692g ] 809 ( a ) A debtor must be allowed to validate the debt that they are being called on. Once a collections agency notifies the individual that they owe a debt, the individual has 30 days to validate or dispute the debt. The collections company is not allowed to continue collections procedures until after the debt is validated or disputed. NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM To Whom it May Concern This letter is being sent to you in response to a computer generated, unsigned letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, you shall cease all verbal communication. No phone calls to the Claimant. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such validation and verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. XXXX LAW DICTIONARY : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. VALIDATION. Proving the validity of accuracy of the claim. Counter Claim with Self-Executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within XXXXhirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( e ) Voluntarily report this account to all credit bureaus as paid as agreed ; and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally settled ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice. Furthermore, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has firsthand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III ) XXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, V ) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI ) XXXX XXXX Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above-referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent. This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable. Equality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor You are the second party that has written a letter purporting to represent, or have as your client, and the first was not registered as a debt collector in Maine and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer-generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ... CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 13. Verify as a third-party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. XXXX. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. XXXX. Provide verification from the stated creditor that you are authorized to act for them. XXXX. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341. NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASIGNS ********************SILENCE IS ACQUIESENCE********************* NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Pursuant to the truth in lending laws of the United States Code , Title 15 1601 et. Seq. and the Fair Debt Collection Practices Act laws of the United States Code 1692 et. seq This notice constitutes a timely written response to your Fair Debt Collection Practices Act notice that you are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt. This notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : 1. The name and address of the organization or other governmental unit alleging a debt ; 2. The name and address of the person or persons in that organization or other governmental unit alleging a claim of debt ; 3. The name of the actual creditor even if that is myself ; 4. The origin of the funds used to create this alleged claim of debt 5. The actual records of the organization or other governmental unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt. 6. The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of a debt. 7. The actual records of the organization or other governmental unit with a live signature on any and, all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by similar name. XXXX. Be advised that verification is defined XXXX XXXX Law Dictionary, 6th Edition ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party. XXXX. The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 -1601 et. seq and Regulation Z. 10. The actual records of the organization or other governmental unit showing that any, and all documents /instrument ( s ) containing my signature or likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt. 11. The person that prepares and swears to the validation of debt must describe:1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) How long have you been in your position ; 4 ) When did you first come in contact with the alleged account/debt ; 5 ) How frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; and 7 ) Do you have personal knowledge about the alleged debt and/or any alleged account. 15 U.S.C -1692 ( e ) states that a false, deceptive, and misleading representation, in connection, with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice. Pursuant to 15 U.S.C -1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 30 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collections Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities. This is a constructive notice that, absent the validation of your claim within 30 days, you must cease and desist any, and all collection activity and are prohibited from contacting me through the mail, by telephone, in person, at my home, or at my work. You are further prohibited from contacting any other third party. Each, and every attempted contact, in violation, of this act, will constitute harassment and defamation of character and will subject your agency and/or attorney and any, and all agents in his/her individual capacities, who take part in such harassment, and defamation, to a liability for actual damages, as well as statutory damages of up to {$1000.00} for each and, every violation, and a further liability for legal fees to be paid to any counsel which I may retain. Further, absent such validation of your claim, you are prohibited from filing any notice of lien and /or levy or judgment and are also barred from reporting any derogatory credit information to any credit reporting agency, regarding this disputed purported debt. Further, pursuant to the Fair Debt Collection Practices Act 15 U.S.C 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal or holder in due course, for whom you are attempting to collect this alleged debt. Please take notice that this legal notice will be forwarded as a criminal investigation of the business practices of the above, named organization or other governmental unit, its agents, officers, employees and attorney to determine violations of the United States criminal laws. Your claims of collection of a purported debt appears to be founded upon a false record in violation of U.S.C Title 18 -2071 and 2073 ( falsifying records ) and further ; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C Title 18 -471,472,473and or 513, and further using corrupt business practices to make and possess false records and claim if obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C Title 18 1961 et.seq and further using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C -1341 Frauds and Swindles laws, and further sending mal with false and fictitious names, criminal conduct falling under Title 18 U.S.C -1842 Fictitious Names. IE XXXX XXXX. ALL INFORMATION WILL BE FORWARDED TO THE TEXAS INSPECTOR GENERAL OFFICE AND IRS CRIMINAL DIVISION TO INVESTIGATE AVANTE USATHE BANKING SECRECY ACT AND THE PATRIOT ACT UNDER AS WELL AS ALL MONEY INSTRUMENT TO BE DISCLOSED. TAKE NOTICE AVANTE USAfailure in providing respondent with the requisite verification, validating the above referenced alleged debt within the requirements of law as codified in the Fair Debt Collection Practices Act, Fair Credit Reporting Act, Banking Secrecy Act, Patriot Act and the corresponding laws of each state, signifies that Debt Collector tacitly agrees that : A. ) Debt collector has no lawful, bona fide, verified claim, re the listed accounts : # XXXX B. ) Debt Collector waives any, and all claims against respondent C. ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs, fees and expenses incurred in defending against this and any, and all continued collection attempts, re the above-referenced alleged accounts. D. ) Failure of Debt Collector to properly and legally verify/validate alleged debt as required in this notice us a self-executing irrevocable power of attorney authorizing Respondent/Alleged Debtor named herein to direct the permanent removal, on behalf of the alleged Creditor, of any, and all references to said accounts in any, and all credit reporting agency files of any type. This response will constitute my effort to resolve this on-going debt claim between the parties involved. Until full disclosure on and for the official public record with a signed affidavit attached is achieved, there can be no case, collection or action. No civil or criminal cause of action can arise lest, out of fraud, there be valid, honest contract See XXXX XXXX XXXX 249 P. 2d 257,260 Furthermore Title 12 U.S.C -411 Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose, of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of XXXX XXXX XXXX XXXX, or at any Federal Reserve bank.
09/22/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TN 37027	Web	Older American
1. Last quarter XXXX or first quarter XXXX : Received in the mail " XXXX XXXX XXXX '' for healthcare expenses. This offer was unsolicited, and I never applied for any card. ( Of important note : my insurance through my employer, XXXX XXXX, is called " XXXX '', so I thought it must be related to them. I filed the card ( still affixed to the offer letter ) in my XXXX XXXX at home. ) I never activated, removed the card from the offer letter, or even touched the card from that point forward. I never received any statements or bills for this card. XXXX. XX/XX/XXXX : Received a letter in the mail from XXXX, XXXX c/o XXXX XXXX XXXX XXXX XXXX. The letter stated : a ). I owe {$630.00} charged on my XXXX XXXX, b ). 30 days after receipt of the letter they would proceed with litigation unless a suitable arrangement is made to pay the monies, c ). my account XXXX qualify for multiple programs to lower my monthly payments, d ). unless I notify their office within 30 days, they will assume the debt is valid. XXXX. XX/XX/XXXX @ XXXX : I tried contacting XXXX XXXX XXXX XXXX on the offer letter to get more information. XXXX ( XXXX ) " XXXX '' said the card was issued by XXXX XXXX XXXX XXXX XXXX and transferred me to " XXXX '' with same who said, " this is not our card ; we are a small credit union out of Texas. '' XXXX ( XXXX ) is automated, and I was unable to get into the system without a PIN associated with the card. Since I had not activated the card, I had no PIN. XXXX. XX/XX/XXXX @ XXXX : I composed a letter stating a. ) I disputed the validity of the debt or any portion thereof, b. ) I never removed the card affixed to the offer, activated the card, or used the card, XXXX ) I do not need this card because I already have a health savings account with debit card for this use. XXXX. XX/XX/XXXX @ XXXX : I contacted attorney XXXX XXXX XXXX XXXX XXXX ) listed on the letter. He said a. ) the account was opened XX/XX/XXXX, b. ) there are 16 different purchases on the card totaling {$460.00}, c. ) he said to email him my letter that I had already composed, d. ) he would request more information from XXXX XXXX. XXXX. XX/XX/XXXX @ XXXX : I emailed my letter to attorney XXXX XXXX XXXX XXXX XXXX ) listed on the letter. XXXX. XX/XX/XXXX @ XXXX : I contacted all XXXX nationwide credit reporting companies and placed a fraud alert and security freeze on my credit report. XXXX. XX/XX/XXXX @ XXXX : I sent a follow-up email to attorney XXXX XXXX XXXX asking him to confirm the receipt of my letter and inquiring if I needed to send him a certified hard copy of my letter. I stressed that learning the providers ' names, addresses, and date of service associated with the charges would establish my non-involvement with this matter. XXXX. XX/XX/XXXX @ XXXX : I received a response email from XXXX XXXX stating he received my emailed letter and did not need a hard copy mailed. He further stated that he requested the verification materials from the creditor ( XXXX XXXX ) and would provide me the documentation once received. XXXX. XX/XX/XXXX : I mailed a hard copy of my letter by certified mail to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, New Hampshire XXXX ). XXXX. XX/XX/XXXX : I received a letter from XXXX XXXX stating that a. ) after thorough investigation, they " determined that the balance on the account is a result our annual fee an applicable late charges '', b. ) " they have credited all outstanding transactions and fees on the account, bringing the balance to zero '', " they have permanently closed '' the account, and " Please disregard any previous letters you received ''. XXXX. I think this is a scam perpetuated by XXXX XXXX because a. ) they sent me an unsolicited credit card, b. ) they created charges and fees on a card that was never activated or used, XXXX ) and they had XXXX XXXX c/o AvanteUSA, Ltd. send a very threatening letter to get me to send monthly payments through qualifying program ( s ). I am concerned that another individual might believe they owed these false charges. Thank you.
09/22/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TN 37027	Web	Older American
1. Last quarter XXXX or first quarter XXXX : Received in the mail " XXXX XXXX XXXX '' for healthcare expenses. This offer was unsolicited, and I never applied for any card. ( Of important note : my insurance through my employer, XXXX XXXX, is called " XXXX '', so I thought it must be related to them. I filed the card ( still affixed to the offer letter ) in my XXXX XXXX at home. ) I never activated, removed the card from the offer letter, or even touched the card from that point forward. I never received any statements or bills for this card. XXXX. XX/XX/XXXX : Received a letter in the mail from AvanteUSA, Ltd c/o XXXX XXXX XXXX XXXX XXXX. The letter stated : a ). I owe {$630.00} charged on my XXXX XXXX, b ). 30 days after receipt of the letter they would proceed with litigation unless a suitable arrangement is made to pay the monies, c ). my account may qualify for multiple programs to lower my monthly payments, d ). unless I notify their office within 30 days, they will assume the debt is valid. XXXX. XX/XX/XXXX @ XXXX : I tried contacting XXXX XXXX XXXX XXXX on the offer letter to get more information. XXXX ( XXXX ) " XXXX '' said the card was issued by XXXX XXXX XXXX XXXX XXXX and transferred me to " XXXX '' with same who said, " this is not our card ; we are a small credit union out of Texas. '' XXXX ( XXXX ) is automated, and I was unable to get into the system without a PIN associated with the card. Since I had not activated the card, I had no PIN. XXXX. XX/XX/XXXX @ XXXX : I composed a letter stating a. ) I disputed the validity of the debt or any portion thereof, b. ) I never removed the card affixed to the offer, activated the card, or used the card, XXXX ) I do not need this card because I already have a health savings account with debit card for this use. XXXX. XX/XX/XXXX @ XXXX : I contacted attorney XXXX XXXX XXXX XXXX XXXX ) listed on the letter. He said a. ) the account was opened XX/XX/XXXX, b. ) there are 16 different purchases on the card totaling {$460.00}, c. ) he said to email him my letter that I had already composed, d. ) he would request more information from XXXX XXXX. XXXX. XX/XX/XXXX @ XXXX : I emailed my letter to attorney XXXX XXXX XXXX XXXX XXXX ) listed on the letter. XXXX. XX/XX/XXXX @ XXXX : I contacted all 3 nationwide credit reporting companies and placed a fraud alert and security freeze on my credit report. XXXX. XX/XX/XXXX @ XXXX : I sent a follow-up email to attorney XXXX XXXX XXXX asking him to confirm the receipt of my letter and inquiring if I needed to send him a certified hard copy of my letter. I stressed that learning the providers ' names, addresses, and date of service associated with the charges would establish my non-involvement with this matter. XXXX. XX/XX/XXXX @ XXXX : I received a response email from XXXX XXXX stating he received my emailed letter and did not need a hard copy mailed. He further stated that he requested the verification materials from the creditor ( XXXX XXXX ) and would provide me the documentation once received. XXXX. XX/XX/XXXX : I mailed a hard copy of my letter by certified mail to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, New Hampshire XXXX ). XXXX. XX/XX/XXXX : I received a letter from XXXX XXXX stating that a. ) after thorough investigation, they " determined that the balance on the account is a result our annual fee an applicable late charges '', b. ) " they have credited all outstanding transactions and fees on the account, bringing the balance to XXXX '', " they have permanently closed '' the account, and " Please disregard any previous letters you received ''. 12. I think this is a scam perpetuated by XXXX XXXX because a. ) they sent me an unsolicited credit card, b. ) they created charges and fees on a card that was never activated or used, c. ) and they had XXXX XXXXl c/o AvanteUSA, XXXX send a very threatening letter to get me to send monthly payments through qualifying program ( s ). I am concerned that another individual might believe they owed these false charges. Thank you.
11/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77084	Web
I HAVE NEVER SIGNERD AN AGREEMENT WITH THIS CREDITOR " AVANTE USA '' THEY ARE NOT THE ORIGINAL CREDITOR THIS IS A DUPULICATE ACCOUNT .15 U.S. Code 1692e.False or misleading representations USC/NOTES : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. ( 13 ) The false representation or implication that documents are legal process. ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. ( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. ( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title. ( Pub. XXXX XXXX, title VIII, XXXX, as added Pub. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; amended Pub. XXXX XXXX, XXXX. A, title II, XXXX ( a ), XXXX XXXX, XXXX, XXXX XXXX. XXXX. )
10/15/2021	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 78216	Web
Starting around the beginning to of XXXX I started getting calls from a couple different companies claiming to be debt collectors on an unpaid medical debt that I owed. In speaking with them they were referencing a medical visit that I legitimately had with the XXXX XXXX XXXX XXXX on XX/XX/XXXX. Their claim was that I owed money to a doctor that provided service during that visit named XXXX XXXX XXXX XXXX XXXX. During the phone call they repeatedly made attempts to exacerbate the conversation, in what I can only assume was an attempt to try and prove that I was somehow an unreasonable XXXX and therefore use that against me. The fact of the matter is that I have repeatedly and consistently asked for the following over and over : ( 1 ) Proof that the debt is legitimate, ( 2 ) Confirmation as to why this debt was not properly submitted to my insurance that has no record of it, ( 3 ) Comment on why it is that the first time I'm hearing about the debt is from a " debt collector. '' During the months of repeated annoyance by these different collectors I've actually called XXXX XXXX XXXX XXXX, who states that not only do they have no records of that physician on my file, but that their records show that I've paid the bills they have on file. In addition, I've now reached out on two separate occasions to XXXX XXXX XXXX XXXX XXXX and spoken with the Accounting Department. Both times, I've received no confirmation that they either ( 1 ) provided service or ( 2 ) have an outstanding bill with me. In fact, both calls ended with the person I was speaking with saying that they would review my case with their manager and get back to me. To date, they have never gotten back to me claiming that the debt is legitimate. So I'm now finding myself with these agencies continually annoying me, and frankly I don't think I'm asking for anything unreasonable, but given the prevalence of fraud out there, I'm highly suspect that these people are even legitimate XXXX. I have told them repeatedly, that unless they can legitimately prove that I owe the debt, than I'm not paying them anything. To date, other than phone calls the only form of an invoice they've provided is something produced on their own letterhead, not the doctor 's, and that the doctor has not confirmed is even legitimate. In all cases, when I try and make these reasonable requests they attempt to draw the conversation out and get more and more aggressive with me, in an attempt to get me to be more aggressive. For example, I'll state what I'm looking for to prove that this is legitimate, and they will respond with something along the lines " Sir SIR, calm down, you owe this debt, and you have to pay your bills. '' I've even gotten responses like that after I clearly stated : " I have no problem paying legitimate bills, but you've yet to prove that this is legitimate. '' More questionable items on their part, is a claim to a varying dollar amount that I supposedly owe. I've been told that I owe anywhere from {$150.00} to {$730.00}, to somewhere in between. " Why the inconsistency? '' one may ask, no clear answer. In addition, on the phone they've referenced a date of service on XX/XX/XXXX, which was when I went into the hospital, but on a mailing collection notice they sent me, they claimed a date of service of XX/XX/XXXX. Why the discrepancy, who knows? I don't know what to do at this point as one of these collectors has dinged my credit, a first for me, and they've done so all without anyone being able to prove that this is even a legitimate debt. Their actions and attempts seem like nothing but pure scam, and frankly I would've ignored it as such, until one of them dinged my credit.
12/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 304XX	Web
On XX/XX/XXXX I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that AVANTE had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/ with a balance of {$400.00}, {$980.00}, AND {$660.00}. I had no knowledge of this company nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of making a major purchase. Please help me get his account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. As a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. AVANTE USA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
02/16/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 23059	Web
Nearly every month that I made my payment to XXXXXXXX XXXX online, I would return the following month to find that I had been charged a late fee for non-payment. This did not happen at first, but it began to happen more and more consistently. Each time I would have to call customer service and tell them that the payment was made and that the late fee needed to be reversed. In every case, they were a huge help and the issue was resolved. After several months of doing this same process, I decided it was not worth the stress. So I decided to pay off the balance entirely and end it once and for all. To make sure everything went correctly, I called customer service first and verified my bank information and re-entered my information over the phone. There is no chance that an error was made in entering my bank information for the payment. That was XX/XX/XXXX that I spent over an hour on the phone with a very helpful customer service rep and got everything squared away. I received a confirmation email saying that my payment was received by XXXXXXXX XXXX That was the last I heard from XXXXXXXX XXXX Fast forward to XXXX of XXXX, I received a very vague email from someone claiming to be from XXXXXXXX XXXX saying that I must contact her immediately " about the business we share together. '' Speaking as someone that works in the digital products and data science industry, the email was very suspicious, so I disregarded it and marked it as spam. Then in mid XXXX I started receiving calls from someone claiming to be a debt collector on behalf of XXXXXXXX XXXX ( I will refer to this person as Person A ). I was shocked to hear this, but it made me think of that suspicious email I received. So I dug it up and responded to it. I never heard a word back. The calls continued and I eventually called back ( I have a strict personal policy about calls during work, so I often miss them ). The person on the other end ( I will call Person B ) had no record of my name or phone number, nor the person who left me messages -- this is where my panic sets in. There seems to be someone claiming to be a debt collector on behalf of XXXXXXXX XXXX calling and demanding money from me. I eventually was able to connect with Person A, who had no idea of who Person B was, nor the phone number I had been redirected to. After explaining my panic and skepticism, she claimed to have no license or certification or anything to give me to verify who she is. I escalated the situation to the president of the debt collection agency, Avante USA, and had a long conversation and was eventually able to receive an email from him. I was happy to receive something in writing. We resolved the issue and I made the payment once I confirmed that this system error ( because the payment had originally been made in XX/XX/XXXX ) was not going to be reported to any credit bureaus. To add a cherry on top, when I made the final payment, the person on the phone failed to identify himself as a debt collector, nor did he state the name of the firm he was calling from until I asked directly. The people at Avante USA were pleasant enough to deal with and they understood my concerns, but their practices seemed sketchy and haphazard. When someone calls me asking for my credit card information to make a payment, I expect something more substantive to accompany it than a simple " trust me. ''
05/17/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33313	Web
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This two AVANTE 's account with balance of {$450.00} and {$1100.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
03/29/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TN XXXXX	Web
I started receiving calls from a woman stating to be with Avante USA on XX/XX/2017. I missed this call and did not return it because I do n't know anyone in Texas and they did not leave a message. I then received a call on XX/XX/XXXX and I spoke to this woman. She stated they were trying to collect a debt for XXXX. I informed her I paid off XXXX several years ago. I also informed her that I started receiving calls a few years ago from another company trying to collect this debt, I asked them to validate it, and they never did and they never called again. I asked this current caller to validate the debt. She said she would only do that if I gave her my email address. I told her I would not as I did not feel that was secure, and that she needed to mail me something via XXXX. She stated they had, but I have not received any mail from this company. I told her I would be happy to work with her if she could validate the debt, she again said she would n't mail me anything else so I ended the call. She called again on XX/XX/XXXX and I did not answer. She called again on XX/XX/XXXX, and the same conversation took place. They called again on XX/XX/XXXX, and I did not answer. She called again today, XX/XX/XXXX. I told her we had already had this conversation and I would not speak to her anymore unless she validated the debt. She stated she had never spoken to me before and that I must have spoken to someone else. It sounds like the same woman calling everytime. I explained again I felt this money had been paid to the hospital and she needed to send me proof I owed it. She asked for my email address, which I refused as I did not want my information emailed. I asked her to mail she something and she said they do n't do that. I told her I would not give her any money or any further information until she could proof I owed it. I explained I felt the burden of proof was on them if they are accusing me of being in debt. She then threatened to put this on my credit report, then corrected herself to say it was already there. I told her I was not worried about that at the moment, that she needed to validate the debt. She told me to have a blessed day and hung up. I believe continuing to call me without validation of debt is harassment. They also give out my birthday every time they call to confirm my identity, which I have asked them not to do. They should ask me my birthday and let me give it to confirm my identity, otherwise they are providing my birth date to anyone who may answer. Thirdly, I do not appreciate threatening my credit report for something they can not or refuse to prove. Lastly, telling me to have a blessed day is unprofessional, as I do n't feel the collector 's religion has anything to do with my owing a debt or not. I want validation of this debt, or I want the calls to stop.
09/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 362XX	Web
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, AVANTE failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. AVANTE Account Number : XXXX As a consumer by law this account must be deleted immediately. Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. AVANTE Account Number : XXXX As a consumer by law this account must be deleted immediately. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge. On the date XX/XX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
10/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33169	Web
XXXX XXXX XXXX REASON IS EXPLAINED BELOW XX/XX/XXXX AVANTE USA REASON IS EXPLAINED BELOW XX/XX/XXXX DXXXX XXXX REASON IS EXPLAINED BELOW XX/XX/XXXX XXXX XXXX REASON IS EXPLAINED BELOW XX/XX/XXXX TO WHOM IT MAY CONCERN, This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named federal law. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for at least the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, then by law all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. Regards,
10/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	RI 02860	Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
09/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 344XX	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX AVANTE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious AVANTE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL
08/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32955	Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS XXXX AVANTE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious AVANTE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
01/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33990	Web
A company out of XXXX, TX has called me repetitively for several months now. I finally answered to see who they are because they never leave a message. After answering this time, I was greeted by a person on the other end telling me the call was being recorded, I refused to let them record me and asked who they were. I learned they are a company called AvanteUSA but they refused to give me any other information until I agreed for them to record the call. I never did agree, they hung up on me. After a quick XXXX search, I found out they are a collection agency. The problem with that is I do not owe anyone money. This leads me to believe that they are using old debts that were forgiven/paid so they can try to collect on them anyways or they're fabricating debts to attempt to con people out of money. Either way, this would most likely indicate someone working for XXXX or XXXX is illegally providing information to them. That said, the last debts I accrued were medical and though they never appeared on my credit, they were late due to delays and were eventually paid for by XXXX. This was well over a year ago. Being on XXXX and XXXX, over the years there's been attempts to scam me from collection agencies, doctors, medical facilities, and every other scam you can think of that targets disabled Americans and though annoying, I've learned that if I ignore them, they eventually go away. But that is not the case with AvanteUSA as the calls have been coming in for months now even though they've never attempted to contact me by mail. That tells me they do not have anything other than my name and phone number along with some information on an old debt that has been paid off and they are trying to collect on it which leads me to believe they are one of those 'bad actors ' that the CFPB has instructed the public to report. Please do not provide my address to this company because I do not know who they are or who gave them my information. As well I am not asking for the CFPB to act as a mediator because I have no reason at all for this company to be contacting me. Instead, I'm asking the CFPB to open a full investigation into this company and if you can validate any claims they have against me, then and only then will I ask for mediation provided by the CFPB.
05/28/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34748	Web
Attention dispute department AVANTE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious AVANTE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
02/21/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	AL 36830	Web
I am the executor of my fathers estate. He had a machine financed by XXXX XXXX. We made contact with XXXX to try and make arrangements for a family member to assume the loan. They did not agree, in turn the handed the account over to AvanteUSA Ltd. I was contacted on XXXX by XXXX XXXX. During the initial I told him I would need proof that they were contracted to discuss and collect the possible debt and proof of the debt. he refused to provide the information stating that they did not have to give me anything and that a driver would have proof when they pick up the asset. He became aggressive and confrontational to the point that I terminated the call. I called back and again spoke with him and reiterated the fact that a member of the family would like to assume the loan. He indicated he would be back in contact. During this call I again reiterated the fact that I would need proof of the debt and proof that they had been retained to collect it. He again refused and insisted they did not have to provide any documentation. On Friday the XXXX of XXXX I again received a call from a XXXX XXXX. He indicated that the original debt holder had refused anything less than payment in full or the surrender of the machine. I again indicated to him that I needed proof of the possible debt and proof that they were permitted to discuss the possible debt and or to pick up the machine. He once again refused to provide the information. He then demanded a date the asset could be retrieved. I indicated to him that I would not be able to provide that to him until I had my schedule in front of me and the necessary proof. I once again reiterated to him that I would need the requested documents for the Probate Court and prior to any further action. He again became agitated and confrontational. He demanded that I was not in control and that I could not control and had o say in a date and in requesting documentation. While the estate would like to come to some mutually beneficial arrangement with the original debt holder, as Executor I must also have documentation for the disposal of any assets or settlement of any debts the Estate may owe.
01/12/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33511	Web
I have filed a previous complaint on this company. They have yet to remove the negative items that are causing me extreme financial hardship from my credit report. I was advised to also file a complaint with the XXXX as this company has a pattern for abusing and violating the fair credit reporting act. Im adding this complaint again with my original complaint. The response received from the XXXX that this negative information would be removed but still has not. Please see below complaint not resolved. On XX/XX/2022, this collections account was added to my credit report. I was not ever notified by XXXX XXXX XXXX XXXX This just appeared on my credit file in the amounts of XXXX, XXXX, and XXXXThe account numbers aren't on my credit report and the companies address is not listed. I haven't ever done any business or heard of either of these companies. Avante XXXX XXXX XXXX did not verify this debt but instead just put theses 3 items on my credit report. This is clearly an abuse of collections tactics. This company has violated the fair credit reporting act. This is not my debt. I don't have or have had any business with this company in the past or currently. This has a severe negative affect on me as a consumer and is in violation of the fair credit reporting act. This company failed to validate this debt and put these items listed above on my credit report which is causing me extreme financial hardship. I demand that this negative information be deleted immediately from on my credit file with all 3 major credit reporting agencies not to resurface on my credit file again. Resolution : These are not my debts! These 3 accounts have been added to my credit file in error. This company failed to validate this debt and put these item listed above on my credit report which is causing me extreme financial hardship. I demand that this negative information be deleted immediately from my credit file with all 3 major credit reporting agencies not to resurface on my credit file again and cease and desist all collections efforts.
02/21/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
Dear Avante XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2017. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
04/15/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30349	Web
Dear XXXX XXXX After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2018. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
03/17/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 485XX	Web
A debt from the original creditor " XXXX XXXX '' appeared on my credit report but was disputed and removed in XXXX. A letter came in the mail less than a month ago and I have sent a debt validation letter to them. Instead of sending me information to verify the debt, they decided to add this debt to my credit report. I have no knowledge of this debt and have had no other communication other than a collection agency on behalf of " XXXX XXXX XXXX '' letter that was received on XX/XX/XXXX. I have been in touch with my insurance carrier XXXX XXXX XXXX XXXX XXXX about a similar bill from another doctor which has been rectified by the carrier due to the doctor 's negligence and fraudulent billing. This is all stemming from an emergency XXXX in XXXX, XXXX. I went into the XXXX for extreme pain and was found in emergency XXXX to have a XXXX that was gangrenous and necrotic. The attending physician did not properly fix the issue which caused me to fill up with 4 liters of bile and I went into multi-system organ failure. I was in the ICU for 5 days and nearly XXXX 4 times. I had to have a repeat procedure to correct this doctor 's mistake by another doctor and was still in the fight for my life. Instead of billing my insurance, they sent that bill to collections in retaliation because I tried to sue them for medical malpractice. I was told by XXXX different lawyers that I could not sue because I did not actually XXXX and to just appreciate life. Instead of being able to do that, I have to deal with medical bills because not only can these doctors not perform a simple XXXX correctly, they are incompetent with simple billing procedures. The XXXX had all the correct information. The doctors chose not to bill properly and I am having to relive a traumatic ordeal over and over just to get this rectified. I am the victim here and I am continually being victimized.
10/30/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77008	Web
AVANTE : I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
01/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	FL 349XX	Web
THIS IS MY THIRD TIME CONTACTING XXXX ABOUT THIS COMPANY REPORT ERRONEOUS INFORMATION ON MY CREDIT REPORT! I will be working with my attorney to make sure that AVANTE USA Will cease these deceptive strategies. This company AVANTE USA is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit scorXXXX. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. Furthermore, AVANTE USA did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX XXXX XXXX : XX/XX/1994
01/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	FL 349XX	Web
THIS IS MY THIRD TIME CONTACTING XXXX ABOUT THIS COMPANY REPORT ERRONEOUS INFORMATION ON MY CREDIT REPORT! I will be working with my attorney to make sure that AVANTE USA Will cease these deceptive strategies. This company AVANTE USA is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. Furthermore, AVANTE USA did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX XXXX XXXX : XX/XX/1994
09/02/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30064	Web
Dear Consumer Financial Protection Bureau Representative, Today, XX/XX/2022, I received an alert from XXXX that Avante reported a negative item regarding an alleged debt. It is my understanding that : Under the Federal Trade Commission Consumer Law, A consumer must receive written notice ( known as a debt validation letter ) within five days of the collectors initial attempt to contact you. That notice must include the amount of the debt, the original creditor to whom the debt is owed and a statement of your right to dispute the debt. I would like to state I have no clue, who is Avante. I DID NOT receive any notification from Avante prior to the negative credit reporting of the alleged debt. My rights have been violated by Avante due to they did not notify me of this alleged debt nor allow me, as the consumer, the opportunity to gain knowledge, investigate, or dispute this item I am unaware of. I am seeking your assistance in immediately having Avante remove the negative reporting from the credit bureaus and discontinue any adverse and negative reporting on this item until the following are provided : I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgement ; 4. Documentation showing you are licensed to collect debts in GA. Upon receipt of any of requested information, I request 30 days to respond. Also, please ensure the creditor and the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. Sincerely,
06/08/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30041	Web
Since XX/XX/XXXX I have repeatedly received aggressive phone calls from Avante USA XXXX claiming that I have an outstanding balance with their creditor/parent company XXXX XXXXl XXXX with in the amount of {$140.00} and another in the amount of {$200.00}! For an emergency room visit at XXXX XXXX XXXX, Florida that dates back XX/XX/XXXX! A visit in which all balances were covered by my medical insurance and the copay on my end was also paid in the full amount. As a result I have no balance or lingering accounts within either systems of XXXX XXXX XXXX XXXX XXXX or the XXXX XXXX billing of XXXX XXXX XXXX, when I called and spoke to representatives on both sides, they had no record of an outstanding balance on file. So, for me to get a badgering call from Avante USA XXXX for a visit that occurred almost 2 years ago that was fully paid is clearly fraudulent and misleading. The validity of documentation of this balance in XXXX is highly suspicious as well! I completely dispute their efforts for collection for an XXXX visit that was already paid for in which, I didnt even see one of the physicians that they claim Im my balance within Avantes file. I never received any notice, phone call, or communication of any other balances relating to this XXXX visit and I would like for the account to be closed and dissolved as it is simply false nor can they provide me any legitimate verification or legitimate proof for the existence of any balance with XXXX XXXX XXXX to begin with! There are clearly a lot of instances nationwide with people fighting against being taken advantage of by Avante USA XXXX and affiliate XXXX XXXX XXXX! To top it off I dont even live in the state in which this claimed debt is owed!
11/10/2022	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	NJ 07109	Web
Avante USA sent me a letter on XX/XX/2022 claiming I owed an alleged debt of XXXX I immediately responded with a written letter by via mail with return receipt with a written cease and desist notice with tracking # XXXX which was received and returned back to me. You then send me another letter on XX/XX/2022 this is a violation of 15 USC 1692c ( c ) which says If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer the debt collector shall not communicate further with the consumer with respect to such debt, except to advice the consumer that the debt collector 's further efforts are being terminated, to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor, or where applicable, to notify the consumer that the debt collector or creditor intends to invoke a remedy. If such notice from the consumer is made by mail, notification shall be completed upon receipt. Your actions caused me great stress, anxiety, and duress, according to 15 USC 1692k to any person is liable to such person in an amount equal to the sum of any actual damage sustained by such person as a result of such failure in the case of any action by an individual, such additional damages as the court may allow but not exceeding XXXX. I have attached proof of this company Avante USA sending me a letter on XXXXwhich I didn't receive until XX/XX/2022 and a letter of me responding with a cease-and-desist letter with return receipt and them sending me another letter on XX/XX/2022 still claiming I owe them a debt.
07/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30060	Web
AVANTE USA ORIGINAL CREDITOR : XXXX XXXX XXXX CREDITOR CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX BALANCE OF {$130.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX CLOSED ON XXXX XXXX XXXX XXXX CONTROL ORIGINAL CREDITOR : XXXX XXXX XXXX CREDITOR CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX BALANCE OF {$110.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX BALANCE OF {$18000.00} To whom it may concern : I have been contacted by your company about a debt you allege I owe. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. Please reinvestigate this matter to have them [ delete or correct ] the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on [ identify disputed item, creditors name and whether it is a credit account, court judgment, etc. ] is [ inaccurate or incomplete ] I am requesting that the item be removed [ or corrected ] immediately. Enclosed will be a copy of my police report pertaining to the item supporting my position.
01/14/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33321	Web
I just filed a complaint against XXXX XXXX XXXX regarding these alleged accounts that they never sent me any notices of disputes for. They immediately had to close the account because they had zero documentation tying these accounts to me especially because I had insurance and was not seeking medical attention around this time. Once XXXX closed these invalidated accounts Avante has now picked these up and broken several of my rights. XXXX. There was no notice to dispute. I received nothing in the mail at all. 2. They are reporting these alleged accounts to my file at the SAME time as paramount. 3. They are also reporting duplicates. This has taken a toll on my credit score right around the time of me moving which has cause me major inconveniences! I know my rights as a consumer and I will use them! Absent validation, both your company and XXXX are in violation of Federal Law, for btu not limited to, continued collection activity on an invalidated debt pursuant to FDCPA 809. Validation of debts [ 15 USC 1692g ] ( b ). My suggestion is that you return this account to the previous collection agency and demand your money back, and/or compensation for time wasted pursuant to the Qualifying RECOURSE accounts provision of your purchase / assignment contract. If any information about this alleged debt has been reported to the credit bureaus, I demand that you delete that information immediately, or I will have no choice but to take legal action against you for knowingly Furnishing on verifiable information to the credit bureaus with the sole purpose of tarnishing my financial reputation. you have 5 days to remedy this matter.
01/29/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX 757XX	Web
In XX/XX/XXXX my husband purchased from XXXX a zero turn lawn mower XXXX monthly zero interest XXXX beginning balance. paid on time all of XXXX found out husband was ill last part of XXXX still made payments in XX/XX/XXXX i paid the XXXX payment monthly plus an extra payment XXXX so total XXXX monthly I did this every month till XX/XX/XXXX then went back to making XXXX then increased it to XXXX I admit when my husband had his double XXXX transplant we got behind a couple months made those up had a couple NSF made those up also. Then XX/XX/XXXX I had it paid down to XXXX XX/XX/XXXX I made a payment XXXX from a bonus check i had gotten then on XX/XX/XXXX I made a XXXX payment to pay the loan in full the first part of XX/XX/XXXX I received a letter from XXXX that stated my husband loan was paid in full as of XXXX then nothing went on with life on XXXX two men showed up at my door at XXXX XXXX and said they were with XXXX and was repo my lawn mower i advised them it was paid off he called a man named XXXX that said he was with XXXX come to find out he was with Avante USA in XXXX never MM me or verified who I was was rude would not listen to me then the next day XXXX a lady from Avante called my husband her name was XXXX said she had talk to me in XXXX and I had set up payments XXXX a month which is not true so there again they disclosed my personal information to someone so I sent them bank statements and talk to XXXX at Avante he sent me payment history that does not reflect have of my payments I reconciled it with bank statements I have been embarrassed called a liar and harassed also they have violated FDCPA laws
09/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33161	Web
Hello I am XXXX XXXX I am not a third party company disputing. I am in fact the natural person and consumer disputing this on my own and the companies that I am disputing is AVANTE USA, XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX. I am a senior citizen I have no applied for any credit card in the past 5 years, I noticed that I have a few credit card accounts listed on my consumer report. It seems to me that my information was leaked in several breaches to be exact. XXXX Breach, and several other breach which caused a few thieves to place card accounts on to my consumer report. I have no knowledge of the accounts of XXXX XXXX 's. The account AVANTE USA, XXXX XXXX that is in fact questioning is based off of HIPPA violation. I did not give any anyone any consent nor written consent to furnish any personal medical information this is a major violation of and you could be held civilly in a federal court room. I advise that you remove this debt by Friday by XXXX. If it is not removed permanently and immediately I will pursue litigation in the coming week. By law you can not furnish personal medical information. Unauthorized release of information. Improper disposal of personal record. These are all violations that you have committed and is forgery. This is a criminal act. With HIPAA violation fines reaching up to {$50000.00} per occurrence and a maximum annual penalty of {$1.00} XXXX per violation, it's important for medical practices to ensure they are HIPAA compliant at all times. And while all possible HIPAA violations should be considered potential threats to your medical practice, some are more common than others.
01/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 349XX	Web
This company AVANTE XXXX is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. Furthermore, AVANTE XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX XXXX XXXX : XX/XX/1994
07/14/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	KY 40258	Web
This morning I received a call from Avante USA a debt collector. They stated that I owe a debt from XXXX XXXX XXXX XXXX from XX/XX/XXXX. When I explained to them that I have never receieved a bill for this they stated they have no control over that. I said I was n't paying it and was then told that they have n't yet but they will put it on my credit report. I then asked to speak to a supervisor and he stated that they just received this account on XX/XX/XXXX. I explained to him that I was going to contact the original debtor to inquire about why I never received a bill. He then stated that I could not contact them and refused to give me XXXX XXXX XXXX billing phone number. I advised the supervisor that I was certainly contacting them anyway. When I contacted XXXX XXXX XXXX today they state that the account number referenced by the collection agency has a XXXX balance. I then was transferred to the group that handles the physicians billing to double check if I owed them anything referencing the account number from the collection agency. They too, stated that there is a XXXX balance on my account. While speaking with both departments within XXXX XXXX XXXX I asked what collection agency they use. Both departments gave a different name than Avante USA. So Apparently this collection agency is fraudulently trying to collect money from customers on accounts they do not owe. When I called them back and explained that I have a XXXX balance on these accounts, and that I was recording the call, the lady got nervous and hung up on me after stating she was also recording me.
10/06/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75007	Web
Im getting tired of this as now this is harassment. I have previously submitted a XXXX Complaint to Code Red/Code XXXX XXXX XXXX back a few years ago, and more recently XXXX, for a medical bill which I accepted the resolution on the XXXX website and resolved my debt with them. However, XXXX XXXX unexpectedly went out of business and instead of reconciling the debt, they sold my debt to XXXX XXXX and then XXXX sold my debt to XXXX XXXX. I explained the situation to XXXX years and they left me alone. Now XXXX years later, I now have XXXX harassing me about a debt that I don't owe and now placing the debt on my credit report. Ive explained this to numerous XXXX associates and asked repeatedly if this issue was on my credit. They said no. I have at least requested that XXXX provide me a debt validation letter on 2 separate occasions that I remember, because I do not owe this amount. Now my loan has been sold to Avante or they own my debt that I have previously disputed through the CFPB in which XXXX updated my credit. XXXX have not complied and only have provided me with their invoice stating that I owe them an amount. There is no breakdown of services rendered, dates services occurred, what the insurance paid, what I paid, nor what XXXX XXXX agreed to and resolved prior to going out of business. Avante XXXX is reporting inaccuracies to my credit report. Your responsibility as a recovery agency is to provide me with the proof that I have requested. This is a violation of FCRA and FDCPA. This seems like a scam and the ongoing harassment needs to stop.
12/03/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 366XX	Web
I went to the ER and paid my co-pay at the time of the ER admittance. My insurance was billed for the rest and was paid by my insurance company. Later we got a bill from a place we did not recognize we contacted the hospital and were told that they did not bill through any third party companies from the one that was trying to bill us. The hospital said that our bill was paid in full via our co-pay and our insurance company. We then contacted our insurance company that said that they had paid the bill in full. They did not have any other bills relating to the ER visit. We then contacted the company trying to bill us and told them that the hospital and our insurance said that all fees for this ER visit had been paid. If this was a legitiment bill to file it with our insurance company. We did not hear back from them and it went away for about 2 years. It seems every year it gets sold to a different collection agency. We contact each time and tell them this has been paid in full and we do not owe or know what this bill if for. It goes away and then comes back from a different collection agency. It is not my debt, I do not owe this or know what this is for as it was never filled with my insurance. It has negatively affected my credit score by making it drop XXXX points. Again, this is not my debt. I have disputed several times with the hospital, insurance company and the collection agency. The hospital and insurance say it is not my debt it is fradulant. I would like it removed from my credit as it is not my debt.
03/24/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33179	Web
I am disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act ( FDCPA ) ( Section XXXX ) and XXXX XXXX XXXX Administrative Code ( section XXXX ). XXXX XXXX XXXX regulations require all debt collectors to send specific written documentation verifying the debt. Under section XXXX of the Rules of the XXXX XXXX XXXX XXXX , verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge I dispute this debt because I DO NOT OWE THE DEBT nor RECOGNIZE SUCH DEBT, and I never received such service for which I 'm being charged in the first place. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported this debt to the credit reporting agencies PLEASE NOTIFY THE CREDIT REPORTING AGENCIES THAT THE DEBT IS BEING DISPUTED AND/OR DELETE THE TRADELINE FROM MY CREDIT REPORT. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the XXXX XXXX XXXX XXXX ( section XXXX ) require that you honor this request. Thank you.
11/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 296XX	Web
On XX/XX/XXXX, my credit score went down by XXXX points. My research found that two different companies were reporting brand-new collection/charge-off accounts to the bureaus around the dates of XX/XX/XXXX, to XX/XX/XXXX. The companies are XXXX XXXX XXXX and AVANTE USA. They both claim the debt originates from the same medical entity but all other information from there does not match. XXXX XXXX XXXX reported a debt of {$980.00}, with an opening date of XX/XX/XXXX. AVANTE USA reported a debt of {$860.00}, with an opening date of XX/XX/XXXX. When I attempted to verify this information directly through the medical entity, they were unable to match my information to anything in their system. On XX/XX/XXXX, I was granted financial assistance for my medical bills. Any medical debt that I owed was settled or was incorporated into a payment plan, to which I have been paying per my schedule. This in and of itself proves the debt from AVANTE USA is false, as they are alleging the account became delinquent after I was granted assistance. I have not received any form of written communication from AVANTE USA or XXXX XXXX XXXX informing me of this alleged debt and the details. Likewise, I was not given any notification that anything was going to be reported to my credit as collections or charge off. I can not help but feel that being granted financial assistance is being used as a leverage point against me. This is causing me extreme stress and upset as my credit score has gone down so severely.
06/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	UT 84321	Web
I've been receiving many calls from Avanteusa ( apparently a debt collector ), from different phone numbers they own and use. I contact them trying to figure out what were the calls about since they have apparently a legit name associated to their phone numbers and explained to them that they have the wrong person on file since the information they have is wrong on such things as : address and birthday. I refused to give them my SSN since they were " requesting it to finally clarify if I was the person I was claiming to be '' but apparently that was the last bit of info they needed to leave me alone. I even check with services specialized in checking on identity theft and thankfully nothing bad has happened to my identity so far but even after talking to them they keep on calling me. It's annoying and it's definitively a harassment to my persona. I wish they could fix their problem if any and stop calling me. Thank God I've never been in a debt collection list and I've always been careful when providing my phone number ( I try to use a different one when I feel like it's going to shared between 3rd parties ) but I guess even with all the measures you can take to keep yourself safe, there's always a way to fall into these kind of annoying calls lists. I wish the government could do more to stop this companies since I did everything that was available on my side to clarify any mistaken info they might have about me.
01/27/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60827	Web
This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028. They brought my data from a defaulted note purchased from XXXX XXXX XXXX XXXX XXXX defaulted notes is a violation of UCC 9-110 and UCC 2- 401.They use the Credit Reporting Agency 's to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with AVANTE USA. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( XXXX ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( XXXX ). AVANTE USA can not and will not ever produce a contract between me XXXX XXXX, XXXX and AVANTE USA because that contract does not exist.
01/16/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30157	Web
Dear Collector : My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows i gave you permission to have my information and paperwork showing i gave you authorization to report this to my credit report. No consent to you having my information and unathorized use of my social security number is identity theft and you will be reported for such. 4 ) The Agreement that grants you authority to collect on this alleged debt. 5 ) A copy of your state license, including license number that give you rights to collect in my state. 6. ( The purchase agreement ) 7. ( Swear under penalty of perjury you were present during the alleged debt ) Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
01/13/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 31907	Web
On XX/XX/2018 this debt for {$600.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
05/18/2022	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	WI 53202	Web
The complaint about Avante usa, To day I got a threatening message for a company who wouldn't identify them selfs but said they represented a for so legal network there telephone number is XXXX talked to a woman named XXXX who told me that Avante usa is filling a law suit against the a lot a fribulus federal chargers agints me. Let 's keep it real this is retaliation for all the complaints I filed. I'm going to refer to Court case Michaelis nursery vs commissioner and Buchner vs commissioner judge ruled since it's considered income it can be written off and the person owes nothing. 15 u.s.c. 6802- refer to ( a ) -obligations with respect to disclosures of personal information. It was illegal for Avante usa to even have. I've never gotten a notice from Avante usa. I did know who they were till I called XXXX XXXX, and XXXX XXXX confirmed that the debt was written off. 15 u s.c 1692c - communication in connection with debt collections. Refer to ( a ) - debt collector may not communicate with consumer in connection with a consumer in connection of any debt. When I called Avante usa I tried to tell them all this and the lady didn't want to listen and hung up. What throw me in federal custody and harm me??? I want an fbi investigation 15 u.s.c 1611 false information
09/28/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NC 27295	Web	Servicemember
I Have made numerous calls to get information on debt after pulling credit report. Contacted debt collector listed in XXXX of XXXX and again in XX/XX/XXXX and provided my current address and phone number. I requested account numbers and to which they stated they did not know them, if they did know them, they didn't have to and wouldn't provide them until I made full payment. When I contacted again today to request information I stated that I needed to have all information regarding the debt so I could make informed decisions regarding them and try my best to resolve. They finally provided me with account numbers for their company and the original creditor. I requested the total amount due and they told me {$870.00} but could be higher due to interest. When I explained that I was under the impression that my insurance covered these they very rudely stated it was not their problem and that I was responsible. I spoke to a XXXX XXXX today XX/XX/XXXX. I deny and dispute the validity of this alleged debt entirely. The contract or agreement must be with the original creditor and signed by all parties involved, which at this point would be XXXX XXXX XXXX, myself and Avante USA. This is not the case. I have not signed any documents with Avante USA ever.
09/28/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NC 27295	Web	Servicemember
I Have made XXXX calls to get information on debt after pulling credit report. Contacted debt collector listed in XXXX of XXXX and again in XX/XX/XXXX and provided my current address and phone number. I requested account numbers and to which they stated they did not know them, if they did know them, they didn't have to and wouldn't provide them until I made full payment. When I contacted again XXXX to request information I stated that I needed to have all information regarding the debt so I could make informed decisions regarding them and try my best to resolve. They finally provided me with account numbers for their company and the original creditor. I requested the total amount due and they told me {$870.00} but could be higher due to interest. When I explained that I was under the impression that my insurance covered these they very rudely stated it was not their problem and that I was responsible. I spoke to a XXXX XXXX XXXX XX/XX/XXXX. I deny and dispute the validity of this alleged debt entirely. The contract or agreement must be with the original creditor and signed by all parties involved, which at this point would be XXXX XXXX XXXX, myself and Avante USA. This is not the case. I have not signed any documents with Avante USA ever.
06/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33009	Web
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights and confidentiality under 15 USC 1681. Account name : AVANTE USA Account number:XXXX Account name : AVANTE USA Account number:XXXX Account name : AVANTE USA Account number:XXXX Account name : AVANTE USA Account numberXXXX Account name XXXX XXXX XXXX XXXX Account numberXXXX Account name XXXX XXXX XXXX XXXX Account number : XXXX 15 U.S.C 1681 Section 602 A4. States I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 15 U.S.C 1681 b- permissible purpose. 15 U.S.C 1681 E- compliance procedure.
12/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33884	Web
I have incorrect information reporting to my credit and it is preventing me from purchasing a home for my family through XXXX XXXX XXXX. Ive reached out to these companies several times and have explain to them that this is not my debt And they have failed several times to give me proof. On top of that My insurance premium is going up because of these collections and they are saying is mine luckily I still have my job and I havent missed out on any opportunities because of my credit score however it is harder for me to rent an apartment and that is the main reason why Im looking to get home. The deposit that I have to pay for my utilities as well as Internet is outrageous all because they are going based off my credit. At this point I dont feel like I can build wealth in America or even retire because of the falsely accused collections that are on my credit report. I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. I did not authorize nor know anything about these accounts listed. these are fraudalent accounts. i know my rights. This is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )
04/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 350XX	Web
XXXX XXXX at the Avanteusa is in violation of the fair debt consumer protection act. XXXX XXXX at the Avanteusa have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1.Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2.Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to XXXX XXXX at the Avanteusa 3.Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt saying I owe {$610.00} 4.Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 5.Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. XXXX XXXX at the Avanteusa are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at least and unacceptable by every means.
08/21/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33024	Web
Avante USA is furnishing four medical collections accounts on all three of my consumer reports. The bills have tremendously decreased my creditworthiness, reputation and ability to receive medical treatment that is gravely needed. Each of the accounts were placed on my consumer report without my knowledge. I did not receive any correspondences about this debt prior to this debt being furnished. I was denied the opportunity to dispute the validity of this debt. I am requesting this company verify this debt before reporting negative information. The service dates and amounts are the first inaccuracies I noticed on my consumer report. I would like for Avant to stop reporting these alleged amounts on my behalf and send me a debt validation that contains valid information. Stop using deceptive practices to attempt to collect and alleged debt that has not been validated. According to the FDCPA aggressive, deceptive and unfair business practices are not permitted. The denial for me to dispute and validate this debt. Has caused me to be completely stressed out by adding information to my consumer report that depleted my character, reputation and credit worthiness.
06/17/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28173	Web
I received a call from an individual who refused to identify themselves at the beginning of the call. When pressured, the party indicated they worked for Avante USA and identified the call as an attempt to collect a debt. I advised them I have stellar credit and all my bills are paid so they must be mistaken. The caller insisted I owed an unpaid medical bill which I again proceeded to correct them. I advised them I have never received any form of communication from Avante and they must be mistaken. I asked the caller to not call me again. Today, I received a credit alert on my credit report indicating this company had placed an account on my credit report alleging I owe {$150.00} to The XXXX XXXX XXXX despite my having informed them this was an error and I have not received any notification from them. I would like to point out, my husband and I work for The XXXX XXXX XXXX and its parent company XXXX XXXX. As a result, all of our bills are either paid directly or drafted from our paychecks. Attached, I have included proof I obtained from The XXXX XXXX XXXX indicating there is no balance owed and in fact, thanking me for " staying on top of my bills ''.
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	TX 770XX	Web
In accordance with the Fair Credit Reporting agency, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Avante USA, XXXX XXXX XXXX has violated my rights. XXXX XXXX, XXXX XXXX has violated my rights. XXXX XXXX XXXX, XXXX has violated my rights. XXXX XXXX XXXX, XXXX has violated my rights. 15 U.S.C. 1681 section 602A states I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C.1681s-2 ( A ) ( 1 ) 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.
09/27/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MN 55303	Web
These medical debt collections accounts are fraudulent and continue to be show on my credit reports over and over again after being removed XX/XX/2022. AVANTE ACCT # XXXX {$800.00} AVANTE ACCT # XXXX {$480.00} XXXX, XXXX and XXXX credit bureaus are selling my name, address and other confidential information to creditors and allowing them to validate and report false information to my credit reports over and over again. I hired an attorney to assist with getting negative, fraudulent debt in my name removed from my credit report only for the same information to be reported again months later by different vendors but same debt information that doesn't belong to me. I've reported it to all three credit bureaus to no avail. Example : Fraudulent Debt Showing on XXXX and XXXX XXXX XXXX XXXX XXXX amount {$480.00} removed XXXX XXXX after dispute however purchased by new company Avante XXXX amount {$480.00} and added back to credit report as XX/XX/2022 XXXX XXXX XXXX acct XXXX amount {$800.00} removed XX/XX/2022 after dispute however purchased by new company Avante XXXX amount {$800.00} and added back to credit report as XX/XX/2022 2022
10/26/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 011XX	Web
OK this is XXXX XXXX XXXX A company name XXXX XXXXXXXX has put a false and negative collection on my credit report. This has drop my credit score 29 points .. I had a XXXX score now I have a XXXX.this is false because I do not owe them anything. I never heard of them at all.. I think they brought the debt from some one because the debt is not mind I have not a clue what they are talking about.. According to the fair credit reporting act. by LAW they have to VERIFY the debt. they Have to have the ORIGINAL CONTRACT .or ME on camera signing the ORIGINAL CONTRACT .OR my IP ADDRESS opening a ORIGINAL CONTRACT .. when I request this things they got nasty with me over the phone.. SO I Request it in writing they did not respond to my request. they just Proceeded to VIOLATE the fair credit reporting act .. Now I want to SUE them AND I need your help >BECAUSE they hurt me and my score. XXXX XXXXXXXX COLLECTION AGENCIES IS LOCATED AT XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX they brought my information of a public record of a federal lien on me and my business Which I payed off in full.. I started RECEVING phone call and letter ever sence then..
08/02/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 290XX	Web
On XX/XX/2019 I contacted Avante USA Collections about two identical accounts on my credit report after trying to clear up what I was looking at in black and white I was being told that it wasn't so and that I had two accounts in collection with them from the same place by two different people for the same amount. I told them they can't report the same account to my credit twice and that they needed to fix it and they said the can. I emailed XXXX showing her the evidence and still nothing other than telling me that they can do report what looks like the same debt to my credit twice, then go on to tell me I won't be able to get the information from the collector as fast as she can even though the debt has my information on it, then she was telling me where I was and that I was at the place in questions we were going back and forth and I told XXXX I would handle it. So i'm doing just that I have rights and I want this off of my credit, they said when I called that all calls where being recorded and it was an attempt to collect a debt. I never said that the debt was mine. the amount is XXXX *XXXX= XXXX of bad debt on my credit
03/28/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	DE 199XX	Web	Older American, Servicemember
Avante USA at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Tx. XXXX sent me a letter dated XX/XX/19 stating that a debt of {$950.00} was sold to a company named XXXX XXXX XXXX. Avante stated in their letter that I needed to respond to them within 30 days or the debt would be considered valid. I sent Avante a request for validation letter on XX/XX/19. They never responded. XXXX XXXX never sent me a letter or made contact by phone in order to collect on this debt either. Instead the same account ended up in the hands of a company named XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Mo. XXXX. Avante USA changed the amount of the debt from XXXX to XXXX and continued trying to collect on the debt through the credit reporting agencies. In addition XXXX XXXX XXXX, who never made any contact with me, is also reporting the same debt of XXXX with the credit reporting agencies as well. They immediately contacted the credit reporting agencies and had the debt put on my credit reports without giving me the opportunity to request validation of the debt.
10/02/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL XXXXX	Web
I have been recently monitoring my credit report, and found an agency called XXXX XXXX I have never heard of this company nor did I do business with them. I called XX/XX/XXXX and spoke with a representative asking how did this agency obtain my information that is now on my credit report. She asked me for my phone number in which I presented the agent the number but she could not find me according to my phone number. I refuse to give some unknown agency my personal information which can be used to damage my reputation. I did not receive anything in the mail granting this agency access to my medical history. I did not receive anything in the mail claiming that I owed this allege debt. this agency is asking for a total of XXXX which they say I owe. this agency has been on my credit report since XX/XX/XXXX of this year, when in fact, I had no derogatory remarks or ever using any services. XXXX had a breach that affected millions of consumers and since then agencies such as the one above have been getting my personal information without my consent.
01/11/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33141	Web
I have been a victim of identity theft, on XX/XX/2017 a medical collection accounts were open in my name, I went to my local police station and filled identify theft report along with a federal trade commission identity theft report then I called the collection company ( Avante USA ) I explained them everything and provided them with a copy of all documents, however, they refused to remove the accounts despite me being in any hospital neither seeking any medical care from the mentioned facility in the account, furthermore, they were very hostile and even hung up the line after losing hope of me paying a service I didnt use, I contacted the credit bureaus and sent them all documents and was able to remove the accounts, but still Avante USA is using illegal techniques to change accounts numbers and debit value to promote to the bureaus as a new debits. Their allegations are unfounded, they failed to provide the credit bureaus with a proof of debit, but for some reason they still able to keep adding new accounts to my report!
04/21/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77062	Web
I received a call and then a letter from AvanteUSA claiming to be a debt collecting agency for almost {$4000.00} for XXXX XXXX XXXX XXXX. I have never been there. I called the hospital and verified that they have no account under my name with my address or my birthdate. I called AvanteUSA, spoke to a woman who stated that her name was XXXX XXXX, and she stated they received the debt from " XXXX XXXX ''. I advised that I have never received care at that hospital and I believed this to be a fraud attempt. She stated that she would " remove that address from the account '' but did not state anything about a date of birth or social security number. When I told her I thought this was a scam that was part of a larger " credit repair '' scam, she hung up on me. This is the third time that a XXXX family member has experienced this. One of those times resulted in additional fraud from the " credit repair company '' that is listed on XXXX to " help with fixing credit from negative credit reports from AvanteUSA. ''
04/21/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77062	Web
I received a call and then a letter from AvanteUSA claiming to be a debt collecting agency for almost {$4000.00} for XXXX XXXX XXXX XXXX. I have never been there. I called the hospital and verified that they have no account under my name with my address or my birthdate. I called AvanteUSA, spoke to a woman who stated that her name was XXXX XXXX, and she stated they received the debt from " XXXX XXXX ''. I advised that I have never received care at that XXXX and I believed this to be a fraud attempt. She stated that she would " remove that address from the account '' but did not state anything about a date of birth or social security number. When I told her I thought this was a scam that was part of a larger " credit repair '' scam, she hung up on me. This is the third time that a XXXX family member has experienced this. XXXX of those times resulted in additional fraud from the " credit repair company '' that is listed on XXXX to " help with fixing credit from negative credit reports from AvanteUSA. ''
02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 338XX	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
07/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 31601	Web
This debt is illegally being reported to my XXXX and XXXX Credit File. I do NOT have any contracts between myself and _____ ( debt collector ) They have failed to provide documentation that the debt is legal. The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied. This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility. What I want? I want this debt listed by _____ immediately removed from all of my credit profiles. They will ask have you tried to resolve this issue with the company. I have tried to resolve this and they are unable to verify that I have a debt / document with their company. That should be it. Make sure you put your social and email so they can respond and notify you of updates.
12/17/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 336XX	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # XXXX ( input accounts ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
02/02/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 338XX	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
02/25/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30188	Web	Servicemember
I was XXXX in the military when I went to the hospital in XXXX XXXX. The hospital failed to submit the bill to XXXX ( my insurance at the time ) in a timely manner. I contacted the hospital and XXXX to resolve the debt. From my understanding it was paid. I was then contacted by a debt collector ( XXXX XXXX ) in XX/XX/XXXX after they reported it on my credit report. The debt was resolved and removed from my credit report. Almost four years later, just recently in XX/XX/XXXX I was notified that the debt was bought from XXXX by Avante and the debt was still valid. I disputed it and asked for verification and they reported it on my credit report and reaged the debt to XXXX/XXXX/XXXX. I contacted the hospital and they said there is a zero balance on my account and it is too old to offer any additional information. I contacted XXXX as well and they too said that the debt is more than five years old and they also do not have a record.
10/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	FL 33150	Web
I disputed on XX/XX/XXXX to XXXX, XX/XX/XXXX, and XXXX. however it's been more than 30 days and the credit bureaus failed to send my investigation back. this is not making any sense. According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ). before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
04/07/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33606	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX The collections company below has reported to the credit bureau a medical debt that was already paid. This is a scam and it was also reported on the credit bureau of some of my family members. The way they get away with this scam is by claiming that an XXXX XXXX XXXX group was never paid and sent the bill to them, however after extensive research I learned that the name they are using as original creditor ( in my case is XXXX XXXX XXXX ) was bought by a different company called XXXX and they do not have any records of my as owing any debt to XXXX since it was all paid in full.When consumers try to reach out to the doctors they bump into this problem and there is no way to get a receipt of payment because XXXX XXXX XXXX no longer exist.I have seen in different online blogs that this technique is use in other States as well.
09/11/2021	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 33161	Web
To whom it may concern my name is XXXX XXXX and I am not a third party company. You are in violation of the HIPPA act and law. I am contacting you regards to an account that was placed and listen on my consumer report. First of all it is personal medical information that was placed on my consumer report. I didn't give anyone consent to place any of my personal medical information or share it with anyone other than myself. Without my written consent no person, or company have the right to do so. This is a criminal act and violation that you have committed and I have contacted the attorney general and FTC to let them know that your company is violating my privacy rights. You could be charged and this is a criminal act. This is my final attempt to resolve this matter and for this debt to be removed due to sharing my medical and personal information with a third party other than myself.
03/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38118	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
01/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL XXXXX	Web
In accordance with the Fair Credit Reporting act, AVANTE USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a company I never heard of until obtaining a copy of my credit report. This company has has not only violated my right to privacy but has also placed a fraudulent item on my credit report in efforts to prevent me from acquiring credit/resources to support my family. 15 USC 1681 section 602 A states that I have the right to privacy. 15 USC 1681 section 604 A ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions which I would never give an okay to do so that I've never heard of. Are they claiming to be the Original Creditor and can state under oath that I signed a contract with this company and if not how and why do they feel they have the authority to legally collect on an account they never originally owned.
03/18/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IN 478XX	Web
I received a debt collection letter from avante on XX/XX/18 involving a bill I supposedly owed. I contacted my local hospital and found the only bill they had for me was written off due to financial hardship ( I have documentation proving it as well ). I then requested avante validate the debt in writing. The request was postmarked XX/XX/18 and was sent via certified mail and was signed for by XXXX XXXX. I never received a validation and now the debt is being reported on my credit report as being in collections since XX/XX/2018, before I was even notified of the alleged debt, which in my understanding is in violation of the FDCPA. I would very much like validation of the debt to cross check with my records from the time. And would very much appreciate if it was either removed or changed to disputed on my credit report as there was no validation.
03/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38109	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ... AVANTE ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
01/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 338XX	Web
I declare under penalty of perjury ( im in the law of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge.Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful miss statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these miss statements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization-Use my personal identifier information to apply for goods, services, or money, and was successful in creating some accounts.All is being investigated by the FTC!
10/06/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33598	Web
Took out furniture loan with a comp in Florida. Tried to negotiate with them in regards to the matter due to XXXX XXXX. They refused to work with me. They sold the debt to Avante USA located in Texas. Avante is the one I am writing this complaint about. Since they purchased this dept they have been reporting to all three credit reporting agency. What they have been doing since the start is the first of every month they are reporting that this is a new debt. They purchased this debt sometime last year. This company has been resetting this debt clock every month by falsely reporting the debt start reporting date they have been doing this since they bought it. If I understand the FCRA they are not allowed to do this. I only know about this company thru my credit report. I have not had any mail or contact with them at all.
09/21/2021	Yes	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	FL 32256	Web	Servicemember
The representative XXXX was extremely rude and Harassing. He also refused to give me information on my account that I requested. I had an outstanding payday loan with XXXX. XXXX was not with XXXX XXXX. He would not give me number to call him back later. He tried to pressure me to pay right then even though I told him I was dealing with something at my childs school, that I would need to call him back. He would not email me or offer to mail me a debt notice even when asked. He retorted how many loans do you have? How much money do you owe? Why wont you pay what you owe? Why are you avoiding this? He Would not differentiate the original loan amount. He would not give me contact information about his company. I hung up and called XXXX. They stated my debt was actually with another company and could not verify that number.
12/23/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30327	Web
On XX/XX/XXXX, I received a call from Avante USA asking my name. I did not provide this information, as the caller was rude and only asking my name. The only information the caller would provide was where they worked, nothing about anything else unless I confirmed my identity. I proceeded to send a debt verification letter on XX/XX/XXXX, after searching Avante USA, and finding out they are a debt collection agency. I never received any letter in the mail with a right to dispute, or any information regarding the debt. I sent the letter using UPS certified mail, and I have not heard anything back from Avante USA. I have disputed the account on XXXX via XXXX XXXX, and I am filing this complaint due to the lack of communication. From my understanding, I am supposed to receive notice with a 30 day dispute window.
09/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38111	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX... AVANTE ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
12/02/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30223	Web
Recently, a collection agency named Avante XXXX started reporting two medical collections on my credit report. Both accounts are for {$790.00} each. Prior to these accounts appearing on my credit report, I received no notice from Avante XXXX whatsoever. And I have health insurance, so this just doesn't make sense. Back in XXXX, I wrote a letter to Avante XXXX, and asked for some more information about the accounts so I could cross-reference these bills with my health-care provider. I requested to know who the medical facility was, the date of service that created the bills, and what dates the services were performed. Despite my request for this information well over a month ago, Avante XXXX has not provided to me. However, they continue to report the unverified collection accounts on my credit report.
07/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38109	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX AVANTE XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
03/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 371XX	Web	Older American
AvanteUSA sent me a letter last month saying they are collecting a debt for XXXX. I asked for proof of the debt and they sent me documents which indicated I allegedly borrowed {$1600.00} and made application on XX/XX/2022. The loan maturity date was XX/XX/2022. The APR is 635 % with a first payment of {$250.00} and remaining payments of {$400.00} every two weeks. The documents had my correct social security number and address. However, the bank routing number and bank account number where the funds were sent are not mine. The documents indicate I applied electronically for the loan and I gave consent for all communication to be electronic. I have never received a phone call, email or text from XXXX. I never signed electronically for a loan with XXXX. I am a victim of identity theft.
03/07/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL XXXXX	Web
Avante Usa has a collection account that has appeared on my credit report on XX/XX/2021. I have sent priority mail a letter that the company failed to collect the letter I have sent. I want to verify that I owe this debt. I wanted the original contract with myself and the original owner. Also the warranty information. All verified documents that I need verify this debt. The amount {$1600.00} is the amount that is owed and I need verification of this debt. I do not believe I owe this debt because I had warranty and the original company would not honor that warranty and put me in a bind because my furniture were broken and I paid for warranty and no one fixed my furniture. I needed the information and no one would sent me what I needed to contest the warranty and the broken furniture.
07/09/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77041	Web
Under the Health Insurance Portability and Accountability Act ( HIPAA ), I am allowed to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. *Cease any credit bureau reporting until the debt has been validated by me.
03/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38141	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... AVANTE ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXXXXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
05/09/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	SC 290XX	Web
I have received repeated telephone calls from someone identifying themselves as representing XXXX XXXX, a company with which I have no professional relationship. They are calling me repeatedly from a number in Texas -- ( XXXX ) XXXX -- and I have instructed them to call neither my home phone nor my employer nor anyone else to harass and berate me or them. They have refused to cease and desist with their harassing telephone calls. My research shows that this company has had several judgments against them for violations of federal law and harassment of folks who, like me, have no professional relationship with XXXX XXXX. I would respectfully ask the CFPB to levy the strongest actions against XXXX XXXX for improper and amoral business practices. Thank you!
03/21/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33617	Web
I dispute your claim and request validation from you under the Fair Debt Collection Practices. Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). Provide a breakdown of fees, including how you calculated what you claim I owe. Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. Send me proof that you are licensed to collect debt in my state. Send this information to my email above and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. I will await your reply with the requested proof. Upon receiving it, I will correspond back with you. Sincerely, XXXX XXXX
03/09/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 232XX	Web
I received documents yesterday in the mail, after having been contacted by phone earlier in the week by Avantee. I told the callers that I would wait until I saw the physical evidence of the outstanding bills and that I wouldnt be paying them by phone. One reason I said that is because my hospital stay, which these bills are related to, was more than two years ago. I did explain in the phone conversations that I had paid my portion of any and all bills that Id received. This one, in particular, I never received not only an original, but I never received any type of follow-up that it was past due not from the practitioner, nor from XXXX, my insurance carrier at the time. The first Ive heard about it was now that its been sold to this organization.
03/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29412	Web
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
06/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 45242	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
05/31/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31525	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.
09/27/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MN 55303	Web
XXXX, XXXX credit bureaus are selling my name, address and other confidential information to creditors and allowing them to validate and report false information to my credit reports over and over again. I hired an attorney to assist with getting negative, fraudulent debt in my name removed from my credit report only for the same information to be reported again months later by different vendors but same debt information that doesn't belong to me. I've reported it to all three credit bureaus to no avail. Example : Fraudulent Debt Showing on XXXX and XXXX XXXX XXXX XXXX XXXX amount {$480.00} removed XXXX XXXX after dispute however purchased by new company Avante XXXX amount {$480.00} and added back to credit report as XX/XX/2022 2022
05/26/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OK XXXXX	Web
i have not been giving notice by this company and giving the right to dispute this debt, i will now dispute thru this site, i dont recall this debt so under fcra i am requesting that tis company provide my an document in which i agreed to pay said debt amount and my signature all on my contract, per ftc opinion letter, only a signed contract with an amount and between me and the creditor is the only form of validation, AN ITEMIZED STATEMENT IS NOT VALIDATION, AS I DONT CONSENT FOR THIS COMPANY TO HAVE ANY OF MY MEDICAL RECORDS CAUSE THAT TO DOES NOT VALIDATE AN ACCOUNT, AND I WILL NOT EXCEPT AN ITEMIZED STATEMENT AND NEITHER WILL THE COURTS, THE ONLY VALIDATION FOR ANY ACCOUNT IS A SIGNED CONTRACT OR AGREEMENT, ONE IN THE SAME
07/29/2015	No	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	GA 30067	Web
Avantes USA opened a claim on my credit report on XX/XX/XXXX ; whereas the original debt was XX/XX/XXXX. Per law you can not open a new claim on my credit report for an old debt as if it was new. XXXX XXXX did not notify me within 141 to 181 days from the first time I defaulted on my so call payment for which I never received a letter for nor my right to dispute the debt. Further by opening this new claim on my report Avantes USA acts as if this debt was contracted XX/XX/XXXX, thereby inaccurately reporting the " original time the debt was actually defaulted on ''. Keep in mind XXXX XXXX waited 6 years to turn my account to collection and did not report anything on my credit for that 6 years as well.
01/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19320	Web
On XX/XX/XXXX I received a letter from Avante USA stating I owed a debt with the letter head date of XX/XX/XXXX. On XX/XX/XXXX Avante added a negative report on my credit report between the dates of XXXX XXXX XX/XX/XXXX. I had thirty days to dispute the validity of this debt and the thirty days are not up. Avante reported the account as open on XX/XX/XXXX on my credit report and I never opened an account with them or made payment arrangements with them. If I did owe the debt Avante is illegally re-againg a debt. On XX/XX/XXXX it would be seven years as the paperwork says service date was XX/XX/XXXX and Avante is trying to re-age the debt. The original creditor is not on my credit report as I can see.
01/30/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28012	Web
i was living with a roomate he was from XXXX. one day i came home and the guys move out taking mu personal stuff ID social security card and more documents and this person beside that he work with my social and let me wiht a big debt wiht the XXXX and asking to any bill from XXXX XXXX XXXX to be Remove i have done these claim more than 5 time with the same account and they remove it and give it to another debt collect company! plase dont bother me anymore wiht this bill i dont owe be cuz i was a victing of identity theft Im just want let know XXXX physician to stop collect and bother me like 2 twice in a year since 2016 my Credit is importan to me! We can go to court if that want they want to!
12/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70809	Web
XXXX XXXX has a collection entry added to my credit reports. But after further research, I have learned this collection agency is not licensed to collect in my state. In the state of Louisiana, debt collectors are required to be registered in order to collect. Also, I have never received any type of notice from this company in reference to any bill. I had absolutely no knowledge of this company until they added an account to my credit reports. Since they are not licensed in Louisiana, they are now in volation of the law. Therefore, I am now demanding that this company delete all of their entries from all three of my credit reports. Their reporting has led to serious damage to my credit reports.
01/30/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77433	Web
these multiple attempts to collect multiple debts from accounts posted on my credit file from AVANTE USA {$360.00} acct number XXXX {$51.00} acct number XXXX {$1500.00} acct number XXXX {$630.00} acct number XXXX have all been fraudulently reported on my credit file i do not own these debts and there has been no validation from either company i did not accure these debts NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
04/04/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 322XX	Web
applied for a personal loan through Avant. and suddenly i have a XXXX hospital bill from XXXX on my credit report from Avant usa. one is for {$5000.00} something and another for {$800.00} something. They are reporting that this debt was first reported in XXXX XXXX. This is a lie! I was at XXXX hospital in XXXX! These bills were also removed from my credit report yrs ago as well due to misdiagnosis! I did not get any notices or bills and now since i happened to apply for a loan from AVANT who now i am assuming is the collector for these OLD NO LONGER EXISTING BILLS decided to lie and report to my credit. This IS ILLEGAL and needs to be removed from my credit report immediately.
02/27/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 32308	Web
XX/XX/2021, ( XXXX ) .. This company places a collection on my credit report without sending me any information about this debt, I never received a call or a letter. I've been living in the same place for over 5 years. This debt doesn't belong to me and I would like for this debt to be removed. I've never heard of this company called ( AVANTE USA ). I reported this situation to the XXXX XXXX XXXX and I'm in the process of disputing it with XXXX. I believe these collection company 's are preying on people during this covid-19 pandemic. I would like for this collection to be remove and for them to send me proof that this debt belongs to me so I can disputed it Asap! Thank you!
02/26/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33607	Web	Servicemember
This company AVANTE was placed on my credit report and i was miffed to see that they just showed up on my consumer report recently. I have never heard of this company nor have I done any contractual business in any way shape or form. I've sent two certifed letters requesting a true and accurate investigation to verify this alleged debt was furnished legitimately that i supposedly owe and to no avail was left with no response. I never received a letter within 5 days of me disputing the validity of this alleged debt. I want this account closed in your office and permanently removed from my transunion consumer profile and not sold per my cosumer rights and fcra guidelines.
02/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 751XX	Web
AVANTE has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed. This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
09/04/2021	Yes	Debt collection Medical debt	False statements or representation Indicated you were committing crime by not paying debt	TN 37415	Web
XXXX I was made aware that I can not refinance my house due to my current credit score. I was advised there were medical collection placed on my credit report that are in violation of HIPAA and or a medical privacy. They should not have been reported. Nor my score should not have been affected negatively. I spoke with collection company. Explained my situation. I was advised to call the credit bureaus to dispute the collections. I have recently spoke with the three credit bureaus. Started the dispute process for removal of the medical collections from my credit score. However my credit score decreased significantly due to the medical collections being reported an error.
08/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32256	Web
XXXX has violates my rights according to XXXX. AVANTE USA did NOT provide me a XXXX release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my XXXX rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
10/16/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33625	Web
I went to the hospital for a problem and am XXXX. I gave the hospital my insurance information. Later on I received a debt collection notice from XXXX Hospital so I called them and again gave them my XXXX insurance information. A long while after that I received something in the mail from a collection agancy so I disputed the bill with them advising them that I had insurance at the time and it is up to the hospital to submit the claim through XXXX. I just checked my credit report and it has a collection from Avante USA from XXXX XXXX XXXX Hospital. I have proof of insurance from XXXX if necessary. It is not my fault they did not correctly bill my XXXX insurance.
02/08/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 22102	Web
On XXXX/XXXX/203, I received a letter from Avante offering me a one-time payment when they never sent me a letter to inform me of this alleged debt. I sent them a certified letter dated XX/XX/2023 requesting debt validation, and it shows that it was delivered to someone on XX/XX/2023. XXXX XXXX number : XXXX On XX/XX/2023, I received a notification from my credit monitoring service showing that Avante has added this new account on my report which tanked my score and negatively affecting my good name. I never received any document from them validating this alleged debt. I demand that this account be closed, not resold, and deleted from my credit report.
07/07/2023	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75211	Web	Servicemember
XXXX XXXX and Avante USA both have balances on my credit report for the amount of {$1400.00} XXXX XXXX ACCOUNT was opened on XX/XX/XXXX. ( {$1400.00} ) Avante USA ACCOUNT was opneed on XX/XX/XXXX. ( {$1400.00} ) The original creditor for both 3rd party companies is XXXX XXXX XXXX XXXX. Which is a hospital located in XXXX, LA my sources tell me. I XXXX the company and 2 separate numbers came up and neither were the actual XXXX company. I have been living and working in the XXXX area since XXXX and all hospitals visits have been to the VA hospital in the XXXX region seeing that I am a veteran. These accounts were opened fraudulently! Please Assist me!!
10/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WI 53223	Web
I received written correspondence from AvanteUSA that their company have purchased an account that's allegedly associated with my name. The date on the receipt of the letter is marked XX/XX/XXXX. According to the FDCPA I have 30 days to dispute the validity of the debt. I recently checked my credit report and noticed that this account is currently being published on it without proper validation. I also noticed that the alleged amount owed in the letter is different than what's on my credit report. This unverified and inaccurate account is drastically affecting my credit worthiness and stopping me from receiving funding during this pandemic.
04/28/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 23060	Web
I received a collection account on my credit file for an account with AVANTE USA. After contacting the company, it was sold to them by XXXX XXXX XXXX. I spoke with the representative and settled the account. I asked if the tradeline would be removed from my credit. She advised yes, that it would take up to 45 days to be removed. I paid the amount requested to settle the debt. It has been over 60 days and the account still reflects on my credit file and is showing still unpaid. This is having a major impact to my credit score. I attempted to contact the company again to follow up and the phone number listed on their website is disconnected.
11/10/2017	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	SC 29640	Web
I received a call from XXXX on XXXX/XXXX/17 at XXXX at my place of employment. I have never listed this number as a number that was okay to call to reach me. I told the woman who called that she would have to contact me at a different time on a different number as this was my work number and I could not receive calls here. She began demanding another number and a specific time. I told her whatever she had on file as my supervisor was taking notice that I was not on a business call. She then began yelling at me about how was she supposed to call me if I would n't give her all of the information that she wanted and ended the call.
01/18/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	LA 70131	Web	Older American, Servicemember
I am a XXXX veteran and I was treated on XXXX/XXXX/13 at XXXX XXXX Hospital as per an agreement between the Veterans Administration and XXXX Hospital. The VA has made payment in full for this treatment. This is the second or third time I am having to deal with this. The collection company name has changed from the XXXX now to Avante USA but a XXXX XXXX is the CEO. This leads me to believe that this is the same company. The name XXXX XXXX XXXX I am not familiar with at all. The fact that they have out of the blue turned up and have entered this account as a collections account on my XXXX credit file upsets me very much.
07/27/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 90250	Web
I am submitting this complaint because I am being extremely affected by AVANTE USA XXXX, they are being completely unfair and I dont know how to get ahold on them but through this portal. I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. because I want to give AVANTE USA XXXX The chance to solve this matter before any legal action is taken. Account information : Opened Date : XXXX XXXX Balance : {$4300.00} Currect payment Status : Collection Demand and remedy : Deletion account and waive the balance.
05/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75243	Web
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
11/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34759	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. AVANTE XXXX Balance {$54.00} ; AVANTE XXXX Balance {$200.00} ; AVANTE XXXX Balance {$85.00}
11/28/2023	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	TX XXXXX	Web
AN AGENT FOR AVANTEUSA CALLED ME ON XXXX AND WANTED TO SPEAK TO SOMEONE ELSE. THEY CALLED MY NUMBER OF XXXX FROM THEIR NUMBER OF XXXX. I HAVE HAD THIS PHONE NUMBER FOR YEARS. WHEN I ANSWERED THE CALL, IT TOOK A COUPLE SECONDS FOR THE CALLER TO COME ONLINE. IN FACT IT TOOK SO LONG I ALMOST ENDED THE CALL, BUT I HEARD SOME CLICKS AND AN AGENT CAME ON. THE CALLER SPOKE VERY FAST. I ASKED FOR THE ADDRESS AND THE CALLER REFUSED TO GIVE ME THEIR ADDRESS AND HUNG UP ON ME. AVANTEUSA HAS REGISTERED WITH THE TEXAS PUBLIC UTILITY COMMISSION TO USE AN ADAD DEVICE TO PLACE CALLS. THEIR PERMIT NUMBER IS XXXX.
10/16/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IA 51501	Web
2 years ago, I was paying off debt. Paid off everything I owed with XXXX hospital and XXXX hospital. I recently saw on my credit report that a collection agency is biengreported on my credit report saying I owe medical bills to XXXX and XXXX Hospital. So I called the hospitals and again they said I owed nothing. I have never received any notification from this collection company nice the hospitals which is the original creditor posted on this collection. I found out about this by viewing muy credit report. The collection company is XXXX XXXX for the amounts of {$770.00}, {$68.00}, {$150.00}.
07/21/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AR 72206	Web
Avante USA has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. Avante USA provided no initial communication within the five days of any collection attempts regarding this debt. In addition, Avante USA has failed to provide any original copies of verification obligating myself to this debt. Since Avante USA has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies
08/17/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33009	Web
I have received a call, they explained to me that they are trying to attemp to collect a debt, I am personally sure that I have paid all my bills and I have no debts pending. I have requested a written letter with details so I can understand where this debt is coming from but the lady who was on the phone refused to send me that information, after that conversation I found out that I have a new collection on my credit report, that is not right, they are not clear and they refuse to help support with more documentation, I expect from you to remove that wrong debt from my credit.
03/02/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 926XX	Web
My partner got a phone call on XX/XX/XXXX at XXXX XXXX ( 4 min ) from someone pretending to work for a collection Agency ( XXXX ) saying she owes {$650.00} from XXXX XXXX XXXX. She told them to send information to her address. She got another phone call on XX/XX/XXXX at XXXX XXXX ( 2 min ) from XXXX ( XXXX ). The agent told her she owes {$150.00} emergency room medical bill due to her visit to XXXX XXXX XXXX XXXX two weeks ago. She told her it's not true and they have to send the bill to her address, she asked if they have the correct address but the agent hung up the phone
01/16/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 77044	Web
AvanteUSA placed a collection on my credit report stating that I owe them money for a past due debt purchased by them from a different creditor. I contacted business via mail and requested they validate debt pursuant to 15 USC 1692g. AvanteUSA in response provided insufficient validation and did send requested documents that I am entitled to review. AvanteUSA also violated federal and state law from the Texas Finance Code and the Fair Debt Collections Practice Act, in the notice they sent specifically as it pertains to deceptive and misleading representation.
01/26/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33612	Web
In The Past Years This Is The Third Time Debt Collectors Have Tried To Collect On A Debt Not Owed. Also Attempts To Putting It On My Credit Report. It Has Since Been Removed From My Credit Report. But Now They Are Back To The Same Tricks Again. I Have Evidence That My Bill Is That Of " XXXX ''. I Just Spoke To The Hospital This Week, And Have Also Obtained A Faxed Letter From The Hospital And The Attending Physician That My Information Is Accurate. This Is Continued Harrasment, To Fight To Keep The Debt Collectors From Trying To Ruin My Credit Report.
06/16/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AL 360XX	Web
On XXXX XXXX my debt collections account was dispute and close by XXXX report. The amount was {$1000.00}. And that bill was for XXXX XXXX XXXX XXXX for XX/XX/XXXX. AVANTE USA debt collection had written me a letter saying that I need to pay the amount shown above to their company or they will put this on my credit report. This is a bill that was dispute by me to XXXX for XXXX XXXX XXXX XXXX and it was closed and removed by XXXX on XX/XX/XXXX. AVANTE USA does not have the right to reopened a bill that was dispute and closed by XXXX XXXX XXXX XXXX.
08/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78728	Web
Avante USA located in XXXX Texas has been calling me about a debt owed for a hospital bill which has been paid. They contact me a few weeks ago for this debt. I went to the hospital in XX/XX/2012 and only now are they calling to say I owe. I have provided documents to the company of proof that my bill has been paid through financial aid. Im not sure what change they stopped calling me but today I noticed they reported it on my credit and now I have a bad marker. The first. I dont think this is fair. This company is a scam and their practices are unfair.
04/08/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA 70001	Web
In XX/XX/XXXX, I reviewed my credit report and became aware of medical collections. To my knowledge, I have not failed to pay any medical bill. I have lived at the same address for XXXX years. I sent a debt validation letter to : AVANTE USA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX regarding this account listed on my credit report : Original : Medical Balance : {$2000.00} Opened : XX/XX/XXXX I have given their office 30 days to respond to the validation letter. They have failed to respond. I am attaching the XXXX that was sent to them on XX/XX/XXXX
01/17/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75134	Web
I recently obtained a copy of my credit report and noticed a debt that was previously confirmed to not be mine added back by another collection agency. I find it very unprofessional and disturbing that this collection agency would assassinate my character and credit worthiness by adding this false account to my report before verifying the validity of this information. Furthermore, the agency never had the courtesy to contact me in any manner before impacting such a major part of my livelihood. Please assist with with bringing light to this situation.
06/04/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 21030	Web
AVANTE USA is reporting that I owe a medical bill from XXXX, they have this listed n my credit report as of XX/XX/XXXX with a balance of {$910.00}. They are trying to collect a debt that does not belong to me from XXXX XXXX XXXX Of Maryland. Someone got my number from this company somehow and told me that its from XXXX and I told this person that I have always had medical coverage.This company should not be reporting negative information on my credit reports for a account that does not belong to me from the year XXXX which is over seven years ago
06/13/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	OH 44102	Web	Servicemember
This was for a XXXX bill in Nevada, which I believe the Statue of Limitations has ran. I received a call at work from XXXX with Avante USA XXXX XXXX, 2016 at approximately XXXX about the XXXX bill. I immediately told XXXX not to call me at work, I 'm not allowed to take personal calls. I told her I would call her when I got out of work or on Monday. Monday XXXX XXXX from Avante USA called me at work again. I called her on my break and told her she violated FDCPA and that carries a fine. I then spoke to her supervisor and told him the same thing.
01/02/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33308	Web
I have multiple medical debts on my credit score with XX/XX/XXXX and XX/XX/XXXX. I did not give permission for my medical files to be released this is a HIPPA violation and I will be taking legal action if not removed. On top of that I did not receive any notice of debt. 4 collections through Avante, 1 collection with XXXX, 5 collections through XX/XX/XXXX onXX/XX/XXXXXX/XX/XXXX. 1 collection through XXXX on XX/XX/XXXX and 1 collection with XXXX XXXX, 4 collections through XXXX on XX/XX/XXXX I am disputing all of these on legal grounds
09/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32818	Web
The two avante medical collections that Im sure are not mine. Collections have fallen off through out the years but I have not been to the hospital in several years so i dont know why they are popping up on my account. The other two XXXX Im still in the process of paying I know those are most likely mine, but the other two are really suspect to me because they popped on my account out of no where.please help me underStand whats going on here. Im really upset medical accounts keep popping up when I havent been to the hospital in years
01/18/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33064	Web
In the middle of XX/XX/2020, I received a settlement offer and paid what was requested in the settlement offer. When I checked the company website they subtracted the amount that I paid from the original amount and still show me as owing money instead of paid in full as per the settlement letter that I received. This company has not reported this payment and or settlement offer to the original creditor. I also note that a second collection agency in on my credit report for this exact same charge and refuse to remove the charge.
07/05/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NC 283XX	Web
There are 2 medical collection accounts that were placed on my credit report as of XX/XX/2020. These items were placed on my report without due process ... process to include being notified and given the opportunity to request validation of the alleged debt. They allowed me the legal right to request or dispute this information, they just ruined my credit instead. Which is highly embarrassing. I am very distressed that an agency would have included this derogatory information in my credit profile due to its damaging effects.
10/22/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MI 481XX	Web
XXXX charge was paid on XX/XX/2018 to Avanteusa in the amount of {$410.00}. This was a settlement amount. Paid by XXXX XXXX I have filed disputes with the credit bureaus who keep saying I owe {$500.00}. Avante will not answer and XXXX will do nothing. I have submitted both the settlement offer letter and the payment ledger. Since submitting a dispute my credit score for XXXX dropped 84 points. Both XXXX and XXXX went back the last 4 years and added derogatory marks after I filed the dispute. Please, please help me with this.
11/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 48210	Web
Avante USA at XXXX South XXXX XXXX XXXX XXXX, TX XXXX phone number ( XXXX ) XXXX was a collection I recently discovered on my consumers report. I do not know this company. Avante USA did not provide me with any verification of claimed debt or permission to place it on my credit report. Never been contacted by Avante USA in regard to an outstanding balance of {$1300.00}. I have never done business with this company nor does this company have my permission to keep violating my rights by providing incorrect information.
05/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 270XX	Web
I have received a copy of my credit report and it shows company AVANTE ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1500.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
04/28/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	VA 231XX	Web
Not only have I not received any information pertaining to this XXXX bill, nor was I notified that I could dispute this debt. It's also currently being reported by 2 different collections agencies on two different reports. They said the original debt was from XX/XX/XXXX. Both Companies are reporting the same thing below : XXXX Report Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : Avante USA Opened : XX/XX/XXXX XXXX Report Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Opened : XXXX
01/11/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76002	Web	Older American
These charges are charges made from over charges to the insurance company. I was told I was not responsible for them. These was XXXX XXXX XXXX XXXX XXXX. How can they put things on your credit thats not fair and untrue and get away with it. So any company can just put what they want on our credit report and get away it. May God take control of the companies that uses people for their own good. Avante 3 entry. XXXX XXXX 5 entry. XXXX/XXXX. XXXX XXXX XXXX put {$20.00} to start a savings account and never went.
10/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95336	Web
I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.
04/22/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	SC 29550	Web	Servicemember
I got a alert that a company by the name of XXXX XXXX had reported that I owed {$500.00}. This company did not try to notify me of this debt so that we could reach a agreement to settle. When I tried to contact the company to verify the debt the company can not be reached. I have no way of getting in contact with this company to see if this debt is indeed my debt. On their website they listed a way to email them but they have yet to respond to my email requesting them to send verification of the debt.
01/07/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AR 723XX	Web
Actually it 's not continued attempts! I received an alert today XX/XX/XXXX of something being added to my credit report so I look and it shows Avante USA and that the account was opened XX/XX/XXXX and already placed in collection a month later. I have not opened any account in a good while, I have been paying things on time so my to improve my score. I looked online and I see where this company has complaints about a lot of things. I called the number and left a message because this is so not right
04/13/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 485XX	Web
As per complaint XXXX, whoever it was that responded stated they would send me a validation/verification of debt and to date have not. They also stated they would remove the debt from my credit report. There are 2 charges on there for {$510.00} both from the same company ( Avante ) and for the same company ( XXXX XXXX XXXX ). Only one has been removed. I was told both would be and that has not happened. They split the charges to damage my credit instead of one single charge as it should have been.
09/28/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77089	Web
AVANTE has placed a fraud account in the amount of {$1100.00} onto my credit file. Not only have they inserted a fraud account I was never made aware of this debt and was not given my right to dispute the validity of this account. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
01/09/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33025	Web
A collection account was added to my XXXX credit report on XXXX/XXXX/XXXX. By collection company called Avante for the amount of {$1600.00}. A debt that has already been paid for by my insurance company back in XXXX. Placing the account at a XXXX balance. Although this account has been paid. The collection agencies keeps reselling the account. Causing it to repair on my credit report. It is unlawful for a credit reporting agency to report inaccurate information on a consumer credit report.
08/03/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TN 373XX	Web
This company is repeatedly calling my work, asking for me by my former last name, so I know this debt is OLD as I have been re-married now for 8 years. But, I have let them know on every single phone call they make to my work, that they are calling me at work, however they continue to contact me at work repeatedly throughout the day ( sometimes 4 times per day ) and almost daily. The company 's name is Avante USA and the number they are calling me constantly from is ( XXXX ) XXXX
01/09/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33025	Web
A collection account was added to my XXXX credit report on XXXX/XXXX/XXXX. By collection company called Avante for the amount of {$1600.00}. A debt that has already been paid for by my insurance company back in XXXX. Placing the account at a XXXX balance. Although this account has been paid. The collection agency keeps reselling the account. Causing it to reappear on my credit report. It is unlawful for a collection agency to report inaccurate information on a consumer credit report.
09/25/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30028	Web
You have contacted me about the account with which you claim I owe. I have no knowledge of any such debt being owed to Avante USA. I am familiar with the XXXX XXXX XXXX 's ( XXXX ) XXXX XXXX XXXX which states the following. " A firm must not ignore or disregard a customer 's claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customer 's claim is not valid. '' XXXX
12/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 372XX	Web
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
02/25/2019	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 339XX	Web
Receive multiple calls a day, not every day, but on the days they do call there are two or three calls. They won't say who they are until I verify specific personal information ( DOB, SSN, address, etc. ) which I will not do. They will not stop calling, I have asked them to not call, send mail. I have told them they do not have the right number, they still call. I block the number, they call from a different one. It really has to stop- I work and these calls are disruptive.
06/17/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NC 27501	Web
Today, some collection agency named Avante USA reported a {$1100.00} collection account on my XXXX XXXX credit report. I have never heard of this agency before, and they have never tried to contact me in any way. Fair collection law provides that a collection agency is required by law, to make an individual aware of a debt, and give them 30 days to contest it, or resolve it, before it just appears on one 's credit report. However, Avante USA never allowed me such a chance.
03/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 127XX	Web
On my XXXX report, there is a medical collection from Avante USA, I called & this was not me I'm a victim of identity theft, debtor is a doctor in XXXX & I've never even been to that state & furthermore, I have health insurance... I disputed it with XXXX XXXX and it came back as " ACCURATE '' however, it is not accurate. I am willing to go file a police report or take whatever steps necessary to get this. Removed off my credit report immediately or I will file litigation.
07/21/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23601	Web
I have a debt collection submitted on my credit report by AVANTE USA, that should not be in collections or submitted to my credit report because it was a medical bill that was covered by my insurance in which I have had for years and still have. I can provide my insurance information and the visit information if needed. I would like it removed. I also did not receive anything in the mail about this debt collection, and have not heard anything in regards to a dispute
07/23/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 380XX	Web
Avante has placed a collection on my credit profiles claiming that I owe {$1100.00} to XXXX XXXX XXXX. Ive never had services from XXXX XXXX XXXX. I have reached out to this company 3 times between XXXX andXX/XX/2021 ( I have certified USPS proof of delivery to them in which Im sending via the CFPB portal ) and they have yet to respond. They are unable to verify this because the debt does not belong to me. They are clearly not even attempting to resolve this issue.
04/21/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OK 735XX	Web
I never received any information regarding my medical debts. I was able to dispute them successfully off my credit report. The creditor then changed names, and reported the same debts multiple times. I have disputed the same debts multiple times and have had this same issue every time I successfully dispute the debts. Every time the creditor changes names, they act as if the debt is new, which starts the time in which the debt would fall off over again.
03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22191	Web
I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft.
10/04/2016	No	Debt collection Medical	False statements or representation Attempted to collect wrong amount	TX 77065	Web
I received a letter from ( supposedly ) from AvanteUSA claiming a debt of {$96000.00} from XXXX. I called XXXX and they have no idea where that amount came from - that the amount I owe is {$940.00}. That is not even the amount pending with the insurance. I tried to call the number on the letter I received but the call will not go through - it appears to be a fake number. ( This debt is for treatment for my husband, who passed away recently ).
08/10/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77070	Web
Received medical bill with overage charges. Disputed with hospital. Hospital sent to collections. Collections reportedly tried to collect for medical bill that was XXXX. Disputed multiple times because charges where not correct. XX/XX/2022, the collection was removed from credit. XX/XX/XXXX, collection amount was added for the XXXX charge and an additional XXXX charge so that totally is now over XXXX dollars. XXXX XXXX is Avante USA.
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32808	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose. XXXX
09/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90036	Web
Name : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : AVANTE USA Date reported : XX/XX/XXXX In Accordance with the Fair Credit Reporting Act XXXX Account 'AVANTE USA ' has violated my rights. 15 U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions
01/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DE 19713	Web
On XX/XX/XXXX I was looking on XXXX for a house and I came across someone I thought was honest but turned out in fact to be a scammer they asked me to pay a small fee to get my credit report and send to them. I told them I sent it and a hour later or two something showed up on my credit report. They said XX/XX/XXXX I was at the doctors office and I owe XXXX. So I told them Ive reported them and they never emailed me back again
06/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 756XX	Web
In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can 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 and purpose.
08/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70115	Web
I received a letter from a company called Avante USA, indicating that I had a debt that they were attempting to collect. The debt indicated on the letter was from a company called XXXX which I have never heard of before, and have certainly never had any interaction with before. An Internet search indicates that XXXX is some sort of predatory payday loan company. Regardless, the debt indicated on the letter is not mine.
05/17/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 90044	Web
I mailed a certified letter on XX/XX/XXXX to Avante XXXX asking for debt validation and the company mailed me a letter back on XX/XX/XXXX stating that they were unable to locate the account. Even though the debt is on my credit report If the company cant provide me with accurate information I requested or cant locate a account with the information I provided the debt should be deleted from all reporting credit reports.
11/02/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 28217	Web
XXXX XXXX is trying to collect debt that has already been paid. They are seeking {$220.00} from a South Carolina Emergency Room visit in XX/XX/XXXX. The debt was paid in full to XXXX XXXX XXXX XXXX via credit card on XX/XX/XXXX of which I have a credit card statement as proof. XXXX XXXX reported this as NEW derogatory debt on XX/XX/XXXX and it is negatively effecting my otherwise stellar credit score via XXXX.
02/02/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	PR 00971	Web
On XX/XX/2012 I was on vacation at XXXX. At the Hotel, I had an allergic reaction which I had to go to XXXX. at XXXX FL. I have a XXXX so I paid all deductables in full with no pending charges. I noticed on my Credit Report that I have XXXX Accounts in Collection and a Collection Agency named Avante apparently is trying to collect a {$180.00} which they claimed that I owed. Appreciate your help on this matter.
12/23/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32835	Web
I reached out to Avante USA requesting proof of ownership of the debt and offer to fully pay if they could proof I was the real owner of debt and would agree to remove if paid. They did not provide proof I was the owner. They said the account would be removed if paid in full. I paid to have it removed. They have not removed the debt. It is still effecting my credit score and preventing me from get a mortgage.
08/01/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OH 453XX	Web
I have numerous amounts on my credit report some for over {$700.00} and one for over {$1000.00} as well as some under {$100.00} I have called the hospital where they claim I owe and I have a {$0.00} balance and they dont know why Im getting charged when I have Medicaid and they were supposed to cover it! I havent received any bills either the only why I know about them is when they show up on my credit report
02/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 631XX	Web
Avante USA is falsely reporting that I have an account with them for the original creditor XXXX. I have no contract nor any business with Avante USA or XXXX XXXX XXXX. There is no account number to this account. I have no verification of me having a debt with any of these listed creditors. It's listed that I have a balance of {$2200.00}. It states that the account is open but it's placed for collection.
05/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28052	Web
According to the FCRA, I have the right to an accurate credit report. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company isnt the original creditor. Im no longer liable for this debt, being that the original creditor already sold my debt to you. Meaning youve been paid for my debt and Im no longer liable for this debt
04/02/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33056	Web
this company is reporting to transunion on my consumer credit report that a debt is owed to them. I have not received any communication regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation os fair Debt Collection Practices Act Section 809. Their negligence has caused me distress and is hampering my ability to obtain credit.
12/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85018	Web
I ran my credit report and noticed that there was a company on there named Avante USA with an over XXXX balance that I have no knowledge of. I have tried to dispute it with XXXX and they are saying that the account is accurate but I have no knowledge of it. When calling the company my name and dob is on the file but not my email or.address or phone number so they won't do anything to help me.
05/12/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	TX 77072	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
05/02/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	LA 70737	Web
THIS DEBT IS FROM THE XXXX. ON THE DAY IN QUESTION I WENT IN, SOMEONE TOOK MY VITALS AND SENT ME TO WAITING AREA AFTER I PRESENT WITH SEVERE CHEST PAIN. AFTER A XXXX MINUTE WAIT IT WAS APPARENT THAT I WAS NOT GOING TO BE SEEN BEFORE DEATH. SO I LEFT AND WENT TO ANOTHER HOSPITAL WHERE I WAS TREATED XXXX. I NEVER SAW A DOCTOR I ONLY HAD MY BP, AND TEMP CHECKED - THIS CHARGE IS FRAUDULENT.
07/10/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 31093	Web
On XX/XX/2021 I got an alert on my credit report about a collection. The company is reporting a bill that I don't owe without writing me and informing me of the debt. I did not get the opportunity to dispute the debt with them due to them not following fcra rules. I am not obligated to deal with them and they are forcing me to by placing derogatory information on my credit report.
04/20/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 710XX	Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
12/18/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32119	Web
Hello! My names XXXX XXXX. I am XXXX XXXX XXXX and reside in FL. I believe my identity has been stolen. I have multiple charges from AVANTE, a retirement home here in town which i have never been to ; im only XXXX! I have XXXX marks from AVANTE, and I am not associated with them. My credit is horrible and I'm young and trying to live my life. This makes me sick to my stomach.
11/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29506	Web
In XX/XX/2021, I filed an FTC report for identity theft and submitted it to XXXX declined to remove this item from their database in the amount of {$1100.00} The most recent update was on XX/XX/2021, which is incorrect. I also presented the AVANTE company with a challenge and they never responded. I'm not sure where this loan originated. I've always paid my payments on time.
06/28/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	NY 14304	Web
Debt was settled in 2010. Collection agency is using robo-calls to harass from number XXXX. Constant calls 3-4 times per day, always no voice on the other line, always immediately hangs up. When I contacted the company associated with the number it was the following : AvanteUSA, XXXX, TX. And they were attempting to collect an 8 year old debt that was discharged long ago.
09/24/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 243XX	Web
Advante USA placed a new collections on my credit report on XX/XX/, 2019. I have no correspondence of this debt. I have no debt with this company. I have no contractual agreement with this company. I have no debt on this date. Company states I owe them {$1200.00} out of nowhere. Can not seem to contact such company. Can not understand how this is legal.
01/25/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 90017	Web
Hello, This company AVANTE USA, showed up on my credit report but I never received an official notice of dispute to even verify the debt. This company has unlawfully reported a debt relating to " XXXX XXXX '' and I don't even know this company nor the debt that they claim I owe. I do not owe this debt. This is not right and needs to cease immediately.
04/25/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32807	Web
A week ago I received a letter from a collection agency that had been sent to my old address. I am being charged for a debt I do not recognize, I wasn't even in the USA at the time of the debt. I'm posting a letter tomorrow disputing the debt, but now I'm worried that there may be other debts incurred under my name without my knowledge or permission.
07/10/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 34205	Web
Old Ambulance bill from XXXX that was never ordered. Disputed years ago and was taken off credit report. Got a strange call : Is this my name. Responded who is this? Hung up. XXXX XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX
03/15/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33647	Web
This is a resold debt from 2012. This debt is over 7 years old. It was taken off my credit report the first time due to inaccuracies as I worked for XXXX and was not charged the employee rate. The first collection was a different amount. Please remove this very old debt that is over the statue and prevent from attempting a false debt.
01/08/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	WV 250XX	Web
AVANTE USA has issue a hard credit on my XXXX Report that is not my Accounts, Supposedly from XXXX XXXX XXXX, I Filed Bankruptcy in XXXX, and they recently did this i have not been in that place in 10yrs, and what was on my report, i payed everything off, They have me mixed up with someone else! That said in was in XXXX XXXX! NO WAY!
03/16/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23112	Web
I'm not familiar with this company and see that there is a balance on my credit report. It states that they are collecting a balance for XXXX XXXX but I have not given this company any medical information about myself and feel as though my HIPPA rights have been violated. I also have not given this company permission to bill me.
05/16/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 45459	Web
AvanteUSA, XXXX , TX offered to settle a debt from XXXX XXXX XXXX in XXXX PA and sent a letter implying I would be subject to further action if I did n't pay AvanteUSA. I have never been to XXXX XXXX XXXX nor do I live anywhere near XXXX PA. I have seen other complaints about Avante since researching this scam.
11/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33712	Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
07/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33610	Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
09/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34266	Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
12/15/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33603	Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
03/09/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33626	Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
04/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TN 38141	Web
This was deleted from my account awhile back because they didnt provide me with all the information that was needed such as me hippa transcript and my hipaa rights has been violated so delete this immediately and Avante is a debt buyer that bought this debt but didnt suppose to even buy a deleted account so please delete
09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MO 63136	Web
I've tried to up date my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. they will not allow me I have sent disputes in from this address and there not accepting my dispute. There are several inaccurate unauthorized accounts and unverifiable accounts on my credit i filed a complaint before it was closed not resolved.
01/22/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 34972	Web
Avante USA is claiming I owe on two accounts one for {$2700.00} and the other for {$1800.00} they are claiming the debit is from XXXX XXXX. I filed a dispute with XXXX # XXXX on XX/XX/XXXX. On XX/XX/XXXX XXXX informed me the accounts were verified as accurate. I am on XXXX if I owed this it would have been paid.
05/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32526	Web
I canceled my insurance with XXXX insurance in a timely manner so I will not be charged. I went with another company. Which is XXXX. I attached documents showing that I had insurance with XXXX. I shouldnt have a debt in collections with XXXX insurance. By law a driver can only have one form of car insurance.
05/13/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	KS 66109	Web
AVANTE USA at XXXX XXXX XXXX XXXX XXXX TX XXXX. Has been sending me collection notices in the amount of {$1900.00}. The collection has been reported as a 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.
12/13/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33157	Web
I sent a verification and validation letter to the address listed on my credit report for AVANTE USA and followed up with a call. However, I haven't received any information regarding this account via mail. Additionally, this account has exceeded the statute of limitations according to my state 's laws.
10/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MS 395XX	Web
AVANTE USA at XXXX XXXX XXXX XXXX, XXXX, TX XXXX has been sending me collection notices in the amount of {$980.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
07/16/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	SC 295XX	Web
No Debt Validation letter. I had no idea they had a debt owed to them by me. They Haven't even told me what the debt was relating to nor provided any documentation to me. I was never given written notice, so I could formally dispute the debt. Yet they reported it to a credit bureau XXXX XXXX XXXX ).
09/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 308XX	Web
In accordance with the Fair Credit act Avante USA Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
06/26/2020	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MD 20748	Web
On XX/XX/2020 and XX/XX/2020, Avante USA, XXXX XXXX XXXX XXXX, called my father twice about my debt. They already have my address and phone number on file. I have not received written notification about my debt from the either. I am only aware of them because of these two calls to my father.
12/30/2019	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive notice of right to dispute	TX XXXXX	Web
I HAVE BEEN TRYIN TO FIGURE OUT WHO XXXX XXXX IS ON MY CREDIT REPORT STATING I OPEN AN ACCOUNT WITH THEM ON XXXX XXXX, 2019. FOR WHAT I WOULD LIKE FOR THIS COMPANY TO PRESENT ME WITH PAPERWORK SHOWING I HAVE A LOAN WITH THEM AND ITEMIZE EACH CHARGE ADDING TO THE TOTAL AMOUNT OF {$1300.00}
07/25/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	AR 720XX	Web
I 'm being charged for a hospital visit. I never even received a bill from the hospital. Also I have Medicaid insurance and have had it for over 3 years. I do n't even have a copay my insurance pays for everything. They took a copy of my insurance card and drivers license at the hospital.
01/26/2022	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	FL 33634	Web
This company has been charging me a balance for a year with different collection companies. I make the complaint and the credit company removes it and a few days later they come back again with the same account but with another collection company. On XX/XX/2021 they placed it again.
04/26/2017	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	NJ 087XX	Web
When I called to inquire about the XXXX XXXX debt fro m 2012 the indiv idual started asking me questions about the debt. I explained that we paid the XXXX XXXX bill and proved it to the collector years ago, she then hung up the phone on me. Unfortunately it 's still there.
03/02/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 11378	Web
I checked my credit report and I see Avante XXXX reporting a collection without validation. I sent out a debt validation letter and still have not received any form of validation. If Avante XXXX can not validate this collection within 30 days, Avante must remove from credit report.
03/24/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30904	Web	Servicemember
I do not know of any debt with Avante USA, I have no knowledge of any debt with this company or the original creditor. I have not received written notification to dispute the validity of this debt I am requesting that this debt is removed from all credit reporting bureaus.
03/18/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 344XX	Web
I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability of getting a new home. I don't know why im being treated like this.
04/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 347XX	Web
Avante USA has opened two old accounts from XXXX as brand new accounts on my credit report. This action will extend the amount of time that the accounts can legally report on my credit report and makes me appear high risk to lenders with new collections accounts reporting.
01/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78653	Web
I have been disputing the late payments showing on my account for AVANTE which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
03/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 29801	Web
On XX/XX/XXXX, a payment of {$170.00} was made to Avante to settle a debt owed to XXXX furniture store. Before payment was made, it was communicated that this debt would be deleted from XXXX credit reporting bureau and this has not yet been deleted as promised.
04/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30102	Web
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. They have violated my consumer rights under the federal law FCRA & FDCPA.
10/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95838	Web
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
11/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA XXXXX	Web
A account with Avante that I settled with them XXXX XXXX with a payment of {$590.00}, is still showing on my credit report as being unpaid an open, I called Avante several times and they are refusing to take it off my report even thou the bill has been paid.
07/18/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 336XX	Web
This is a debt that I have previously disputed with another company and showed proof of payment by the insurance company. Now there is a new company attempting to collect the same debt and has not removed from my credit, impacting my score once again.
08/29/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 77083	Web
I settled the debt of {$730.00} with the previous collector. It seems they sold my information to another collector, and this has reappeared on my credit score. This practice of selling paid debts to another collection agency is unethical and illegal.
06/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33614	Web
This collection is not accurate and can not be validated AND Im seeking litgation! Since I studied my rights and found out that under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the alleged debt.
10/27/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32810	Web
I pulled my credit report and this company was reporting some debt I know nothing about from a company that no longer exists. I have not received ANY correspondence from this company AT ALL about this alleged debt, yet they are reporting this.
07/16/2015	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	KY 416XX	Web
I was contacted by a collection agency : AvanteUSAXXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX the collection letter dated XX/XX/XXXX I was to pay Avante USA {$50.00} for prior original creditor XXXX ; date of service XX/XX/XXXX Account NUmber XXXX
06/06/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78665	Web
As of XX/XX/2019 I noticed a collection Avante USA for XXXX services of Kansas. I have no knowledge of this debt, as I was living in Texas at the time it showed up on my credit report and I have received no letters of correspondence about it.
11/06/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NE 68154	Web
This debt has been re-aged. I 've filed disputes and had the credit bureaus remove this debt, multiple times, and each time, a new company buys the debt and reports it as new debt. It is not new debt. I have not even lived in XXXX in years.
04/04/2023	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30168	Web	Servicemember
This company Avante USA has been harassing me in regards to an account that is over XXXX years old and was included in 2 different bankruptcy one in XXXX an the other in XXXX the statue of limitation has well over pasted on this account.
09/06/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 346XX	Web
There is a collection listed which does not belong to me. I never received a notification or have ever been contacted by this company. I only know about it because I had my credit pulled. Please help me The account shows as Avante # XXXX
07/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98499	Web
There are multiple companies reporting a debt that was incurred while I was living in a different state and someone else obbously used my info to go to the er The companies are Avante XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/12/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 330XX	Web
Never received any communication of a debt ... .hospital had wrong address, wrong phone number. Have been living at this address with proper id for 9 years. Dr bill was from 3 years ago ... hospital was paid. Never received any bill.
03/30/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 33025	Web
Never seen this company AVANTE USA before and do not recognize them. Sent me a letter demanding to pay them {$930.00} as part of a settlement on XX/XX/2023. They need to view any original debt with original documentation if valid.
07/13/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43160	Web
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
02/28/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32818	Web
I have an account reporting on my credit that is not mines. I have never used these services before nor have I giving anyone else permission on my behalf. The information stated in the account is bogus and has no relation to me.
04/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33570	Web
. I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
07/08/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 344XX	Web	Servicemember
The debt was reported on my credit report without written notice. ot verification of the debt. They said they would close out my case due to fraud but never did. and I still have this collection listed on my credit report.
04/04/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NJ 08005	Web	Servicemember
Avante will not provide me with any proof that the debt belongs to myself furthermore I 've called the hospitals and they have no record that I owe anything it gets removed from my credit and then put back on every 90 days
08/13/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33324	Web
This was a workman 's comp case. Under Florida law they can not come after me for a balance owed. Workman 's comp paid them. I contacted Avant about 6 months ago and they were suppose to take this off my credit report.
07/03/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78665	Web
Avante XXXX showed up on my credit report today. I called and the said it was for a medical debt in Kansas. At the time this debt was owed, I was not living in Kansas, so there is no way that the debt is owed by me.
05/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	TN 38305	Web
I have 3 accounts in collections for Avante or XXXX XXXX emergency when I had and still have state health insurance at the times of the visits, so there shouldnt be a bill to turn over to collections to begin with.
09/13/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TN 38115	Web
Avante USA has reported a collection to the credit bureaus claiming that I owe {$1900.00} to XXXX. I've never had an account with XXXX XXXX. This erroneous claim has caused a drastic decline in my credit score.
05/02/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30909	Web
I have never received any written notification about this debt. It should not be on my credit reports due to me not having a chance to validate the debt. Please remove the items from all three credit bureaus.
08/02/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 27858	Web
I have no idea how, but I have {$960.00} worth of debt from XXXX XXXX XXXX. I havent been to XXXX XXXX XXXX since I was born. I live an hour+ from there so I have no idea how I have a debt from this place.
03/29/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33511	Web
I have never received any type of communication that this is a debt I owe. If so, I would like to see that contract or agreement I made with this party that would show there was a contractual agreement.
04/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TN 38141	Web
Avante bought this from a debt buyer after this was deleted from my account by another collection agency. They didn't provide a hipaa transcript and this was a hipaa violation and they deleted
03/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 293XX	Web
Avante is reporting a medical debt as of XX/XX/2021. I have not resided in Florida for over XXXX years. So this is not my debt or Avante is in violation of the FCRA posting an old debt as new.
12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33428	Web
I recently Reviewed my credit history Through XXXXXXXX XXXX and received a 30 day review about a new account please make immediate changes to fraud new charges on my credit report.
03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 770XX	Web
XXXX XXXX XXXX is reporting a balance of {$11000.00} on my credit report. AvanteXXXX is also reporting an inaccurate balance of {$680.00} This needs to be removed due to fraud
07/11/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34232	Web
I've contacted the consumer reporting agencies several times asking to verify this debt, but they have willingly failed to verify it in violation of 15 U.S.C. 1681h 611 ( A ).
06/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95608	Web
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
03/15/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33647	Web
This account was previously removed as it was incite and over 7 ears old. Ive NEVER received a notification about this RESOLD debt that is trying to be collected.
06/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75149	Web
Both XXXX XXXX and Avante collection agency are both reporting my old debt of about 4 to 5 years ago as new account and both are showing up on my credit report.
03/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 43004	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
04/08/2022	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	AL 35805	Web
Avante disclosed personal/specific alleged debt specifics to a third party at telephone number ( XXXX ) XXXX, which is not any point of contact for myself
01/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38118	Web
I have never agreed paying this company I never applied credit with them this goes against the FDCPA I am requesting for validation under 15 USC 1692g.
12/09/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 608XX	Web
I am a federally protected consumer and Avante USA has violated me under the provision of 15 USC 1692. Please review attached documentation.
03/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33150	Web
AVANTE is claiming that I owe them {$2200.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
03/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77530	Web
AVANTE is claiming that I owe them {$1100.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
04/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33647	Web
AVANTE is claiming that I owe them {$680.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
09/22/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29229	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
08/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TN 38141	Web
This medical bill was paid and it was sold back to a debt buyer and this extortion and it need to be deleted immediately.
06/08/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60473	Web
I have not been to XXXX XXXX XXXX XXXX XXXX ever, this is an unauthorized account fraudulent account on my credit report
05/05/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 335XX	Web
THIS COMPANY. SOME ITEMS ON MY CREDIT REPORT. THAT ARE INACCURATE/NOTMINE/FRAUD. THAT THEY REFUSED TO REMOVE OR DELETE.
07/14/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	KY 40272	Web
I have ANOTHER medical company trying to collect from me. Once again I have insurance so why osnt my insurance paying.
03/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 381XX	Web
On XX/XX/2021 i received correspondence from Avante USA attempting to collect a debt that does not belong to me
10/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 95240	Web
I have sent out investigations request to XXXX, XXXX, AND XXXX and the investigation took well over 30 days.
01/30/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33607	Web	Older American
Medical debts are no longer collectible after 5 years in the state of Florida according to state laws
04/19/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 53211	Web
This is debt is in connection to someone living in XXXX Arizona. I do not live in that city or state.
03/15/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77578	Web
Fraudulent Collection in Violation of my consumer rights has been placed on my credit report.
01/21/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30542	Web
Seen it on my credit report. The dates it said I was at the emergency room I was out of town.
03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 293XX	Web
Account was opened XXXX XXXX I have no knowledge of this account have filed multiple reports
07/26/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33510	Web
Unknown account and inaccurate, I have disputed with nothing received back Avante XXXX
08/29/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30260	Web
Opened XX/XX/2021 I reached out to both the credit bureau 's and the collector.
12/14/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77007	Web
hippa violation inaccurate information no knowledge of account or not mine
11/26/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IN 47933	Web
XXXX XXXX medical doctor.. I have had insurance for all these doctor bills
06/22/2019	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27612	Web
Please remove this account it is not mine. Review the attached documents.
04/27/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 92231	Web
No notice of collection was sent. Suddenly appeared on my Credit Report.
05/31/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 90048	Web
AVANTE USA is attempting to collect on a debt that is not mine from XXXX
03/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33626	Web
XXXX HAS AN ACCOUNT AVANTE USA ON MY CREDIT REPORT THATS NOT MINE.
06/20/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30078	Web
There are 2 accounts in collection that's not supposed to be
03/19/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 382XX	Web
Unused of my credit report, need these accounts deleted asap
09/03/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL XXXXX	Web
I always had XXXX through the Government
09/11/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 34684	Web
This debt was already settled with Avant
10/08/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77375	Web
Never have been to Texas XXXX XXXX
02/07/2024	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32909	Web	Servicemember

01/26/2024	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	AK 99507	Web

01/22/2024	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33147	Web

01/19/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33056	Web

01/12/2024	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	AK 99507	Web

12/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 44123	Web

12/07/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 28262	Web

12/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44132	Web

11/16/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	MD 21201	Web

11/06/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	VA 23834	Web

11/02/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 14723	Web

11/02/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OK 74804	Phone

11/02/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OK 74804	Phone	Older American

10/10/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77477	Web

10/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30268	Web

10/02/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 32189	Phone

10/02/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 18510	Web

09/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29334	Web

09/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30263	Web

09/06/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23223	Web

09/05/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 34758	Web

08/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 39362	Web

08/25/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	CA 94588	Web

08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33637	Phone

08/21/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	DE 19808	Web

08/21/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 91789	Web

08/20/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77479	Web

08/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30013	Web

07/24/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77433	Web

07/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32507	Web

07/17/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77035	Phone	Servicemember

07/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30263	Web

07/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33172	Web

06/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70816	Web

06/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33025	Web

06/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33055	Web

06/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85635	Web

05/08/2023	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	TX 75054	Web

04/29/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77017	Web

04/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 35054	Web

03/03/2023	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	TN 38107	Web

02/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85602	Web	Older American, Servicemember

02/09/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77035	Phone

02/03/2023	No	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NV 89148	Web

02/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 76542	Web

02/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 76542	Web

01/25/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 17752	Web

01/20/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 32801	Web

01/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32222	Phone

12/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90210	Web

11/16/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33598	Web

11/14/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76201	Web

11/12/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48210	Web

10/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	TX 76209	Web

10/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77053	Web

10/06/2022	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	KY 40057	Web

10/04/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33073	Web

08/24/2022	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted your employer	TX 75052	Web	Servicemember

08/17/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WI 53235	Web

07/28/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29617	Referral

07/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77063	Web

07/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78258	Web

07/02/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76108	Web

06/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30326	Web

06/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TN 37219	Referral

06/16/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76107	Web

06/08/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85353	Phone

06/02/2022	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	GA 30253	Web

06/02/2022	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	GA 30253	Web

06/02/2022	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	GA 30253	Web

06/02/2022	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	GA 30253	Web

05/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30157	Web

04/28/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 341XX	Web

04/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77093	Web

04/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33612	Web

04/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MO 63755	Web

03/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 77375	Web

03/16/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30044	Web

03/10/2022	Yes	Student loan Private student loan	Dealing with your lender or servicer Problem with customer service	GA 30032	Web

03/02/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33605	Phone

02/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77092	Web

02/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31901	Web

02/22/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 64014	Web

02/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 77018	Web

02/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36869	Web

02/17/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NV 89108	Referral

02/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 33028	Web

02/14/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32164	Web	Older American, Servicemember

02/07/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 76092	Web

02/03/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32750	Web

02/02/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30014	Web

01/06/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33023	Web

01/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76384	Phone

01/05/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30016	Web

01/03/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 38109	Web

12/09/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78664	Web

12/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33607	Web	Servicemember

11/18/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76227	Web

11/18/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TN 38116	Web

11/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 752XX	Web

11/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33015	Web

11/04/2021	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	NC 27609	Web

10/24/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78634	Web

10/21/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 17701	Web

10/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 38668	Web

10/07/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28352	Web

09/25/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30064	Web

09/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78521	Web

09/10/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33063	Web

09/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75778	Web

09/06/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33165	Web

09/04/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33603	Web

08/22/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32256	Web

08/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32809	Web

08/11/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29414	Web

08/10/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29456	Web

08/06/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TN 38109	Web

08/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	KS 67209	Web

07/29/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33619	Web

07/26/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29464	Web

07/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TN 38109	Web

07/22/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33598	Web

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

07/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32822	Web

07/20/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33853	Web

07/06/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 27613	Web

07/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34747	Web

07/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30157	Web

07/01/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 23856	Web

06/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72114	Web

06/23/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 38018	Web

06/22/2021	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 92555	Web

06/22/2021	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 92555	Web

06/20/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 76010	Web

06/18/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 32703	Web

06/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76208	Web

06/15/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 32763	Web

06/09/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75181	Web

05/28/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85349	Web

05/28/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 28334	Web

05/19/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 28304	Web

05/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78023	Web

05/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33311	Web

05/17/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	SC 29445	Web

05/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web

05/15/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33024	Web

05/13/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 28304	Web

05/05/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33853	Web

05/04/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30248	Web

04/30/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 32211	Phone	Servicemember

04/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33185	Phone

04/28/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77583	Web

04/27/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 27401	Web

04/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22572	Web	Servicemember

04/16/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32244	Web

04/04/2021	No	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	SC 29229	Web	Servicemember

04/02/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	FL 32789	Web

03/24/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30016	Web

03/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77531	Web	Servicemember

03/17/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33733	Web

03/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 43606	Web

03/04/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32810	Web

03/02/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33705	Web

03/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	FL 33406	Web

02/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30014	Web

02/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32808	Web

02/23/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30044	Web

02/23/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 90302	Web

02/16/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 08723	Web

02/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 30016	Web

02/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75070	Web

02/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33884	Web

02/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75159	Web

02/03/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33614	Phone

02/03/2021	Yes	Debt collection Medical debt	False statements or representation Indicated you were committing crime by not paying debt	GA 30016	Web

02/02/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33776	Web

02/02/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33776	Web

01/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77515	Web

01/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33076	Web

01/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33612	Web

01/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid		Phone

01/08/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	OH 43607	Web

12/25/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32222	Web

12/14/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 45503	Web

12/13/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 70815	Web

12/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91765	Web

12/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77598	Web	Servicemember

11/25/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA 70187	Fax

11/24/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07753	Fax

11/03/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48310	Fax

10/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77545	Web

09/21/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92506	Web

09/19/2020	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	RI 02895	Web

09/17/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TN 37830	Web

07/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33023	Web

07/29/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78415	Web

07/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85082	Fax

06/04/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 78653	Web

05/31/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32308	Web

05/27/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	VA 20190	Web

05/26/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	VA 20190	Web

04/14/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75235	Web

04/11/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 92517	Web

03/30/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OH 43230	Web

03/16/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23228	Phone

03/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30260	Web	Servicemember

02/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IN 46383	Web

02/17/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33404	Web

02/13/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 71328	Web

01/05/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 78728	Web

12/03/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 77033	Web

11/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33312	Web

11/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33312	Web

11/08/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 43068	Web

08/17/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 22191	Web

07/17/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85208	Web

07/15/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75007	Web

07/08/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 44113	Web

06/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33021	Web

05/30/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78102	Postal mail

05/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33569	Web

05/22/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 17406	Web

05/20/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 23831	Web

04/23/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30016	Web

04/12/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43235	Web

04/11/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33403	Web

04/10/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	SC 29229	Web

04/04/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NJ 08755	Web

02/15/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78043	Web

01/11/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77532	Web

11/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 22407	Web	Servicemember

11/29/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IN 47304	Web

11/14/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34668	Web

11/09/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80222	Web

10/31/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 32476	Web

10/31/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 32746	Web

10/31/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32746	Web

07/16/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 78216	Phone

07/14/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32935	Web

07/06/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 70501	Web

06/18/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IA 50501	Web

05/23/2018	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 78228	Web

05/07/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78247	Web

04/12/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 94131	Web

04/02/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34990	Web

03/26/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	NE 68131	Web

03/21/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 91367	Web

02/08/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NH 03102	Web

02/01/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75067	Web

01/24/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 76180	Web

01/09/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30417	Web

01/09/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PR 00926	Web

01/05/2018	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	GA 31825	Web

01/03/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 92831	Web

12/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 37122	Web

11/25/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77092	Web

10/10/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 34982	Web

08/14/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33594	Web

05/22/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 28269	Web

02/28/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 34471	Web

01/19/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TN 37379	Web

09/14/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	KY 40360	Web

09/05/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 34684	Web

08/05/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OH 43160	Web

08/02/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 17745	Web

08/01/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IL 60661	Referral

07/21/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IL 60661	Referral

07/21/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	LA 70124	Web

06/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated shouldn't respond to lawsuit	TX 75156	Web

06/16/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NY 12065	Referral

04/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33604	Web

03/01/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32080	Web

02/07/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	CA 92584	Web

02/01/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 75497	Web

11/07/2015	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	WA 98663	Web

10/13/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95123	Web

09/24/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 78642	Web

08/26/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32092	Web

06/11/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NY 10550	Web

05/31/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	OH 45251	Web

05/16/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 95357	Web

04/01/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 92647	Phone

03/06/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	OK 73005	Web

02/19/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 77385	Web

02/06/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 34655	Web

12/10/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 34668	Web

12/05/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	AR 72301	Web

11/24/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 33909	Web

11/21/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	AR 72019	Phone

11/21/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 34788	Web

11/17/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	KY 40601	Web

11/11/2014	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me instead of my attorney	TX 75763	Web

11/04/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 44143	Web	Older American

10/27/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 92335	Phone	Servicemember

10/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	DC 20019	Web

09/28/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	WA 98338	Web	Servicemember

08/18/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WV 25901	Web

08/11/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TN 37355	Web

07/28/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	FL 33412	Web	Servicemember

07/23/2014	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	NC 28655	Web

07/18/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 44310	Web	Servicemember

07/07/2014	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	CO 80233	Web

06/30/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60085	Web

06/20/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 34103	Web

05/12/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	TX 77013	Web

05/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10473	Referral

04/03/2014	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	TX 76691	Web

03/31/2014	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33954	Web

03/14/2014	Yes	Debt collection Payday loan	False statements or representation Attempted to collect wrong amount	WA 98102	Web

02/19/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	NY 11581	Web

02/11/2014	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	CT 06811	Web	Servicemember

12/13/2013	Yes	Student loan Non-federal student loan	Problems when you are unable to pay	OH 43230	Web

12/10/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NY 14206	Phone

11/22/2013	No	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	UT 84341	Web

10/30/2013	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 77493	Web

09/23/2013	No	Debt collection Non-federal student loan	Communication tactics Used obscene/profane/abusive language	IN 46237	Web

09/21/2013	No	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	IN 46360	Web

05/16/2012	No	Student loan Non-federal student loan	Repaying your loan	NY 10463	Web