Bay Area Receivables, Inc CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IA 501XX	Web
For over 6 months RE : Dispute - Bay Area Receivables Original creditor YOUR DOCS IN, and XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Maryland XXXX, under the Fair Debt Collection Practices Act ( FDCPA ), failed validate the alleged debt request has been over 6 months. I am aware that there is a debt from Bay Area Receivables, Debt does not include a breakdown of any fees or validation of debt. Additionally, under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to Bay Area Receivables, YOUR DOCS IN or XXXXXXXX XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, I requested twofold validation of debt and HIPAA authorization which you have failed to provide. The FTC has noted that providing a copy of a printout, bill, or alleged account documents does not constitute validation. Mere itemization of what you already have does not accomplish my requested debt validation Bay Area Receivables have failed to include Method of verification under FCRA 611 ( a ) ( 7 ). This should have included the following : * The How with which you verified the information The name of the person handled your request and provided proof of ownership of Debt through physical verification The address * Which documents you obtained to verify Ownership of Debt. If none are satisfied under federal law, you must delete file/ tradeline * Provided breakdown of fees including any collection costs and medical charges and physical proof from original debt. Provided a copy of my signature with the provider of service to release my medical information to Bay Area Receivables or any other third party. to Verify- through physical verification of the original signed consumer * Cease any credit bureau reporting until the debt has been validated. Bay Area Receivables failed to provide me with copies of all documentation associated with these Debts bearing this information in my credit report with my authorization of release bearing my signature. To be in full compliance with the FCRA laws and guidelines, all information listed needs to be immediately deleted from the credit file you maintain under my social security number, date of birth, and /or address. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have failed in 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). You failed Per the Federal Credit Reporting Act. Section 609 ( a ) ( 1 ) ( a ). you are required by Federal law to Verify- through physical verification of the original signed consumer - all accounts and public information that you post on anyones credit report. Otherwise, any paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As Such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I have already filed a complaint with the Federal Trade commission and will follow with a Consumer Financial Protection Bureau Claim if you failed to respond within 30 days of receipt of this dispute with any valid documents. This letter and the several before served as a formal debt validation request, which 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 and must prove ownership. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees. Additionally, any reporting of this debt to the credit bureaus with out validation it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. Because you are in violation, this account must be removed from my credit file. Please send me an updated credit report with the information removed. Sincerely, XXXX XXXX
12/18/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IA 501XX	Web
For over 6 months RE : Dispute - Bay Area Receivables Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the Fair Debt Collection Practices Act ( FDCPA ), failed validate the alleged debt request has been over 6 months. I am aware that there is a debt from Bay Area Receivables, Debt does not include a breakdown of any fees or validation of debt. Additionally, under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to Bay Area Receivables, XXXX XXXX XXXX or XXXXXXXX XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, I requested twofold validation of debt and HIPAA authorization which you have failed to provide. The FTC has noted that providing a copy of a printout, bill, or alleged account documents does not constitute validation. Mere itemization of what you already have does not accomplish my requested debt validation Bay Area Receivables have failed to include Method of verification under FCRA 611 ( a ) ( 7 ). This should have included the following : * The How with which you verified the information The name of the person handled your request and provided proof of ownership of Debt through physical verification The address * Which documents you obtained to verify Ownership of Debt. If none are satisfied under federal law, you must delete file/ tradeline * Provided breakdown of fees including any collection costs and medical charges and physical proof from original debt. Provided a copy of my signature with the provider of service to release my medical information to Bay Area Receivables or any other third party. to Verify- through physical verification of the original signed consumer * Cease any credit bureau reporting until the debt has been validated. Bay Area Receivables failed to provide me with copies of all documentation associated with these Debts bearing this information in my credit report with my authorization of release bearing my signature. To be in full compliance with the FCRA laws and guidelines, all information listed needs to be immediately deleted from the credit file you maintain under my social security number, date of birth, and /or address. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have failed in 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). You failed Per the Federal Credit Reporting Act. Section 609 ( a ) ( 1 ) ( a ). you are required by Federal law to Verify- through physical verification of the original signed consumer - all accounts and public information that you post on anyones credit report. Otherwise, any paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As Such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I have already filed a complaint with the Federal Trade commission and will follow with a Consumer Financial Protection Bureau Claim if you failed to respond within 30 days of receipt of this dispute with any valid documents. This letter and the several before served as a formal debt validation request, which 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 and must prove ownership. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees. Additionally, any reporting of this debt to the credit bureaus with out validation it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. Because you are in violation, this account must be removed from my credit file. Please send me an updated credit report with the information removed. Sincerely, XXXX XXXX
12/31/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IA 501XX	Web
For over 6 months RE : Dispute - Bay Area Receivables Original creditor YOUR DOCS IN, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX, under the Fair Debt Collection Practices Act ( FDCPA ), failed validate the alleged debt request has been over 6 months. I am aware that there is a debt from Bay Area Receivables, Debt does not include a breakdown of any fees or validation of debt. Additionally, under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to Bay Area Receivables, YOUR DOCS IN or XXXXXXXX XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, I requested twofold validation of debt and HIPAA authorization which you have failed to provide. The FTC has noted that providing a copy of a printout, bill, or alleged account documents does not constitute validation. Mere itemization of what you already have does not accomplish my requested debt validation Bay Area Receivables have failed to include Method of verification under FCRA 611 ( a ) ( 7 ). This should have included the following : * The How with which you verified the information The name of the person handled your request and provided proof of ownership of Debt through physical verification The address * Which documents you obtained to verify Ownership of Debt. If none are satisfied under federal law, you must delete file/ tradeline * Provided breakdown of fees including any collection costs and medical charges and physical proof from original debt. Provided a copy of my signature with the provider of service to release my medical information to Bay Area Receivables or any other third party. to Verify- through physical verification of the original signed consumer * Cease any credit bureau reporting until the debt has been validated. Bay Area Receivables failed to provide me with copies of all documentation associated with these Debts bearing this information in my credit report with my authorization of release bearing my signature. To be in full compliance with the FCRA laws and guidelines, all information listed needs to be immediately deleted from the credit file you maintain under my social security number, date of birth, and /or address. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have failed in 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). You failed Per the Federal Credit Reporting Act. Section 609 ( a ) ( 1 ) ( a ). you are required by Federal law to Verify- through physical verification of the original signed consumer - all accounts and public information that you post on anyones credit report. Otherwise, any paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As Such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I have already filed a complaint with the Federal Trade commission and will follow with a Consumer Financial Protection Bureau Claim if you failed to respond within 30 days of receipt of this dispute with any valid documents. This letter and the several before served as a formal debt validation request, which 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 and must prove ownership. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees. Additionally, any reporting of this debt to the credit bureaus with out validation it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. Because you are in violation, this account must be removed from my credit file. Please send me an updated credit report with the information removed. Sincerely, XXXX XXXX
05/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21801	Web
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the 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 Account Number XXXX Date Opened XX/XX/XXXX Last Activity XXXX XXXX, XXXX Original Creditor XXXX XXXX BANK N A Status Open Type Individual High Balance {$1400.00} Unpaid Balance {$1400.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Placed For Collection Collection Agency XXXX CRED XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX _________________________________________________________________ in accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the 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 Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Type Individual High Balance {$360.00} Unpaid Balance {$360.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Placed For Collection Collection Agency XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the 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 Date Opened XX/XX/XXXX Last Activity XXXX XXXX, XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Type Individual High Balance {$270.00} Unpaid Balance {$270.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Placed For Collection Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the 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 Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor PEAK PROPERTY CASUALTY IN Status Open Type Individual High Balance {$120.00} Unpaid Balance {$120.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Placed For Collection Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX OF XXXX Reported XX/XX/XXXX _________________________________________ in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the 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 Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor Status Closed Type Individual High Balance {$640.00} Unpaid Balance {$0.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Account Closed By Credit Grantor Collection Agency XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ________________________________________________ in XXXX with the Fair Credit Reporting act XXXX Account # XXXX 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 XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX Status Closed Type Individual High Balance {$1000.00} Unpaid Balance {$0.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Paid Collection Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX
04/10/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MA 01880	Web
This item from BAY AREA RECEIVABLES, INC. on behalf of XXXX XXXX XXXX XXXX is inaccurate because I was overcharged on XX/XX/XXXX by {$13.00} ( $ XXXX- {$20.00} copay ) as per the provided bank statement. XXXX XXXX XXXX applied the {$13.00} to a date of service XX/XX/XXXX, but the issue is this is fraud as I was not even in the state of Maryland then so please see the attached complaint filed with the Maryland Attorney General on XX/XX/XXXX. In XX/XX/XXXX, after months of investigation the Maryland Attorney Generals office asked that the {$13.00} be credit to the date of service XX/XX/XXXX. Since this would make {$20.00} ( $ XXXX+ {$13.00} ) which is the copay. The account was XXXX out on XX/XX/XXXX and the complaint was closed as we thought it was settled. On XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX billing company applied the {$13.00} to XX/XX/XXXX. A month later XXXX XXXX XXXX XXXX billed me again for {$13.00} as we went back and forth I was told this account would NOT go to collections. On XX/XX/XXXX XXXX XXXX ( supervisor for XXXX XXXX XXXX XXXX ) told me via phone, XXXX XXXX XXXX was again claiming I owed {$13.00}. I explained I did not owe that but wanted to prevent this from FRAUDENTLY being applied to my credit but she refused to take payment and said she would call me in two weeks ( XX/XX/XXXX ) but she never called. On XX/XX/XXXX in protest and with a note that I did not owe XXXX XXXX XXXX anything I paid them {$13.00} again to preserve my credit via their payment portal listed on the bill from XX/XX/XXXX. Now XXXX XXXX XXXX had been paid multiple times for the same thing they decided to again make false and fraudulent claims to XXXX, XXXX, XXXX via Bay Area Receivables. It was not until XX/XX/XXXX when I went asked for a home loan that I was told I had a collections account for {$23.00} from Bay Area Receivables so I was disqualified which was devastating as did not think I had any collections account on my credit. On XX/XX/XXXX I contacted XXXX at XXXX XXXX XXXX who put me on hold for a while and said someone would call me back which they never have since this whole issue started. I contacted XXXX XXXX XXXX XXXX and talked to XXXX who said my account with XXXX XXXX XXXX was XXXX out, I should not be in collections and she was going to have XXXX XXXX look into this as well as a refund for me. I then contacted XXXX XXXX of Bay Area Receivables who said I owed {$24.00} for date of service XX/XX/XXXX to XXXX XXXX XXXX and they would remove the account if I paid, so they extorted the money from me as I need to get this off so I can get a home loan and move on with my life. Bay Area Receivables did not send the letter ( email ) to confirm they sent a removal request to your company.
07/09/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MD 218XX	Web
On XXXX while signing the closing documents to refinance my home, I was provided with copies of my credit report from the 3 major credit bureaus. On the XXXX report I noticed that it stated I had an account in collections. After closing, I immediately went to XXXX and requested a copy of my credit report from XXXX. On the report, I saw that I had been placed in collections for {$86.00} by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, United States ) with a debt collection agency Bay Area Receivables INC ( XXXX XXXX XXXX XXXX, XXXX, MD XXXX ). Since I had never been notified by XXXX XXXX XXXX or the debt collection agency of any outstanding balance, I immediately phoned the collection agency at the number listed on the credit report, XXXX. I spoke with a representative and advised that I had never received any notification of the debt, so I was upset that it had been reported to a credit bureau. He advised that a letter was mailed to me in XX/XX/2020 to my home address. I advised that I never received that letter. I requested that they resend the original letter and / or verification of the debt. He refused to do so and said that I had chosen to either ignore the letter or that I had misplaced it. I advised again that I had never received the letter. Further on in the conversation, he advised that the original debt was for {$250.00} and that my insurance had paid {$160.00} and the remaining balance was {$85.00}. This immediately concerned me, as that information was totally incorrect. I informed him that I was the one that had paid the {$160.00} out of pocket and that per my XXXX XXXX XXXX website account, there was no outstanding balance against the original debt from XXXX XXXX, as the insurance plan discount was {$85.00}. He asked that I email him this information, and I said I would not do so without some verification of the debt in writing and asked multiple times for him to resend me a copy of the original letter they claim to have mailed to me. Each time he refused and said that I had only 30 days from the date of the original letter to ask for verification of the debt or dispute the debt. I have attached a copy of the medical claim made with XXXX XXXX XXXX verifying the above stated amounts. In addition, I am also attaching a file downloaded from my HSA account website showing all of my transaction, on row 63 you can see that I paid the {$160.00} on XXXX on transaction number XXXX.
08/22/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30263	Web	Servicemember
Bay Area Rec ( XXXX XXXX XXXX ) Action Date : XX/XX/2013 This letter is regarding an account, which you claim I owe {$210.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
07/10/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	DE 19720	Web
TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT BAY AREA RECEIVABLES INC Reported : XX/XX/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 BAY AREA RECEIVABLES INC Reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX
06/21/2018	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 328XX	Web
In XXXX discovered an erroneous/fraudulent mark on my credit report from XXXX XXXX XXXX ( XXXX XXXX XXXX , XXXX, MD XXXX ) and Bay Area Receivables ( XXXX XXXX XXXX XXXX ; XXXX, Maryland XXXX ). I contacted XXXX XXXX XXXX and informed them of the mistake. I contacted Bay Area Receivables and informed them error. I filed a dispute with the credit reporting agency XXXX. I mailed XXXX XXXX XXXX and Bay Area Receivables certified letters requesting they produce competent evidences that bares my signature to provide I owe this debt within a reasonable period. Furthermore, I requested until they could produce competent evidence no future actions should be against me. At the end of a reasonable time if they can not provide competent evidence proving the erroneous debt they remove the erroneous mark from my credit report. I filed a dispute with the credit reporting agencies simultaneously. I received delivery conformation both letters where delivered from the US Mail service, but no response from either XXXX XXXX XXXX nor Bay Area Receivables. XXXX removed the mark from my credit report. In XXXX I discovered the erroneous/fraudulent mark on my credit report. I responded by sending a second letter to both XXXX XXXX XXXX and Bay Area Receivables followed by another dispute with XXXX. I did not receive a response from any parties, so I contacted XXXX XXXX XXXX via phone. The accounting/billing department told me we had no record of the debt. I have no recollection of this debt nor have I ever received validation from either party to the validating the debt or the soundness of the report mark. This is a medical bill on my credit report! Today, I discovered the mark on my credit report once again. I contacted XXXX and filed another complaint. I contacted XXXX XXXX XXXX via phone. The Vice President is having a letter drafted stating this is an erroneous account. The alleged debt is a medical bill dating back 8 years. I have never given anyone authorization to report medical debt on my consumer report. I am demanding it is removed today!
04/06/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL XXXXX	Web	Older American
I was notified by XXXX XXXX with Bay Area Receivables , Inc. ( Address : XXXX XXXX XXXX XXXX, XXXX, MD XXXX ) Email : XXXX that I owed a debt from XXXX XXXX XXXX in the amount of {XXXX}. The agency had reported this debt to the collection agencies. I stated that this debt was originally sent via XXXX XXXX XX/XX/XXXX via XXXX ( XXXX ) but was not cashed. A check was resubmitted on XX/XX/XXXX and the check was finally cashed on XX/XX/XXXX. I sent this information via email with the claim details and check number on XX/XX/XXXX. On XX/XX/XXXX she claimed to have researched this information and stated the bill was not paid and I owed the balance and fees for collection. On XX/XX/XXXX I contacted XXXX XXXX and spoke with " XXXX ''. They handle the billing for XXXX XXXX XXXX. I gave her the claim details and check number. After some research, while I waited on the phone, she stated that she " found '' the check and would notify Bay Area Receivables. I again notified Bay Area Receivables. Then on XX/XX/XXXX I sent a copy of the check that had been submitted on XX/XX/XXXX and was cashed on XX/XX/XXXX. They did not notify the credit agencies and then I had to file dispute of claims with all 3 agencies. Bay Area Receivables has also not notified me that this was resolved and a correction made. I have Proof of Payment from XXXX that shows the cashed check for {XXXX} that was for payment of this claim. I also want to be refunded the fee that was charged to my credit card on XX/XX/XXXX for {XXXX} for " transaction fee '' as this was the error of XXXX XXXX, XXXX XXXX XXXX and Bay Area Receivables. I have spent hours dealing with this and Bay Area Receivables for a claim that was invalid and fraudulent.
10/25/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 21804	Web
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BAY AREA REC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} BAY AREA REC ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX - Balance : {$250.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$860.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$120.00} BAY AREA REC ( Original Creditor : XXXX SERVICES XXXX ) XXXX - Balance : {$300.00} XXXX AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$100.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} BAY AREA REC ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX - Balance : {$120.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX ) XXXX - Balance : {$120.00}
06/16/2021	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	MS 386XX	Web	Servicemember
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MS , XXXX XXXX XXXX To Whom It May Concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 deragatory information provided. BAY AREA RECEIVABLES ( Original Creditor : XXXX XXXX XXXX ) Consumer disputes this account information Medical Subject has not satisfied debt. This letter is being sent to you in light of the notification I recieved from your organization and more importantly, because of your erroneous reporting to the credit bureau { s }, the highly adverse effect on my own credit report. Please be advised that this isn't refusal to pay, but a notice pursuant sent according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } That your case is disputed and validation is requested. This isnt a request for " Verification '' or proof of my mailing address, however a request for VALIDATION made according to the above-named Title and Section. I deferentially request that your offices provide me with competent proof that I have legal obligation to pay you. It would be ideal if you provide me with teh following : * What the money you say I owe is for : * Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you state I owe : Provide a verification or copy of any judgement if applicable : Identify the original creditor : Prove the Statute of Limitatiohns has not terminated on this account : *Show me that you are authorized to collect in my state :
04/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21811	Web	Older American
I was using a month to month gym membership at a gym called XXXXXXXX XXXX XXXX at my seasonal home in XXXX XXXX Maryland. Started in XXXX and I called to cancel several times in XXXX through XXXX of XXXX due to Covid. Their voicemail simply just said they were closed due to Covid but I still left several messages saying I was canceling my month to month. They never got back to me and in XXXX I received an email from a company called XXXX XXXX out of XXXXXXXX MD saying that they were open and they started charging my visa. I disputed the charges and finally had to block them and called them to tell the I canceled my month to month with XXXXXXXX XXXX in XXXX but they told me I now have a 2 year contract with them and I can not cancel it. Its now at a collection agency who posted it on my credit report which Ive also disputed. I also called them and told them there is no contract, its not my account and I filed a formal complaint with the State Attorney General of Maryland. This looks like extortion considering I never signed anything with this mysterious company that I never heard of and Im curious how many other people theyre trying to pull this scam with. How are they allowed to attach it to my credit report without any proof of me being legally bound with a contract? I am very involved with my credit and have an exceptional credit history. Please advise. Thank you
04/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 207XX	Web
Below I disputed a transaction from Bay area rec. They verified the account was true without double checking to make sure they agency they were collecting for did in fact have a debt. I called the doctor in question and they found a mistake in their billing. They forwarded this information to Bay Area Rec but for some reason this is still on my credit report. BAY AREA REC Reported on XX/XX/XXXX {$560.00} Item Results Result : Verified As Accurate - It looks like this item is actually correct and that it's going to stay on your credit report. Dispute Reason Ownership : I have no knowledge of this collection account. Dispute Results From XXXX XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. If you're not satisfied with these results you can go to XXXX XXXX site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask XXXX to add an explanatory statement to your credit report. Want to take it offline? You can print the Request for Investigation form and mail it to the address below. If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact XXXX using the address shown below. When contacting XXXX, provide your current file number : XXXX.
05/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 218XX	Web
Ever since Bay Area Receivables has had collections relating to me, they have not sent me a statement or documentation regarding the debt. I end up finding out by email since they had an old email on file. I have to ask them each month for a statement and they still don't send me a statement, usually they send me an email with the account number, collection name, base principle due, interest/fees and total due. I have received one statement after sending numerous request. I also have one account in collection that my ex-husband is responsible for and I notified them of this to be told, too bad the dentist office submitted my information as the responsible party. I was the primary parent providing housing/food/and daily necessities. My ex was court ordered to provide the insurance coverage and we split all quoted cost for services and any charges that the insurance did not cover he was also to have paid those cost. He was also to handle all discrepancies with insurance/medical office billing as he was the parent carrying the coverage and the one who received all benefit statements and documents on what the insurance did/did not cover. Making him the responsible party of medical debt. This was explained to the dentist office when we started seeing this dentist and the paperwork was completed in the manner that the staff instructed.
10/10/2017	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	DE 198XX	Web	Servicemember
XX/XX/17 and XX/XX/2017 contact was made with XXXX at Bay Area Receivables regarding incorrect information that was reported to all three credit bureaus regarding a debit I do not own nor is even affiliated with my name. I spoke with XXXX at Bay Area Receivables and requested a letter to provide to XXXX to document information on my credit report filled by Bay Area Receivables is incorrect and that I am not affiliated with the account nor name that was submitted to all three credit reports by Bay Area Receivables. Sue, in the special sevice department at XXXX stated I needed the letter along with the dispute to have the information removed. I was told, per XXXX, that " XXXX '' the owner of Bay Area Receivables would not provide me with a letter nor would she. Bay Area Receivables reported a debit to all three credit bureaus that show an alias name on my credit report along with a debit owed by another individual. I was told by XXXX I needed a letter from Bay Area Receivables to file my dispute for the alias name that does n't belong to me along with the debit not belonging to me. I have also contacted the original creditor and told by " XXXX '' collections department at XXXX XXXX XXXX that I could not receive a letter regarding the fact that I do not owe money and am no affiliated with this alias on my credit report.
09/15/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 234XX	Web
I received a letter dated XX/XX/XXXX from a company called Bay Area Receivables about a debt they claimed I owed to them in the amount of XXXX, forwarded to them by XXXX XXXX. On XX/XX/XXXX, I responded with a debt validation sent as certified mail with return receipt. The company received and signed for that letter on XX/XX/XXXX. Bay Area then responded with the necessary documents to support the validation of the debt. However, the debt had already been satisfied - over two years ago. I mailed in a copy of the money order receipt ( dated XX/XX/XXXX ) on XX/XX/XXXX ; certified mail return receipt. The company received that letter on XX/XX/XXXX. They failed to respond to that letter however, they proceeded with putting the inaccurate debt on my credit report AFTER this letter had been received and signed for. I sent a direct dispute against the company on XX/XX/XXXX which was received and signed for on XX/XX/XXXX. I have allowed the 30 days to investigate PLUS the five days to mail and have yet to receive a response. This company has failed to comply with the dispute period set forth in FCRA 623 ( a ) ( 8 ). This false information on my credit report needs to be removed.
09/29/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 21401	Web
I currently have a collection that appears on my XXXX and XXXX credit file from Bay Area Receivables. They are located at XXXX XXXX XXXX XXXX XXXX, MD XXXX. Their Phone Number ( XXXX ) XXXX. I used a professional credit company to dispute this collection and they refused to remove the debt or provide any additional information regarding the original creditor. The original creditor is XXXX XXXX XXXX which I have no idea who this company is and have never had any dealings with them. When I called directly to Bay Area Receivables an gave them the account number that is listed on my credit file they asked if I was XXXX XXXX. My name has never been XXXX XXXX, my maiden name nor married name. They then proceeded to tell me that the only way they could verify the debt is for me to give them my Social Security Number! There is no way I am giving my SS # to a company that doesn't even have my name correct nor has ever sent me correspondence directly regarding this collection that appears on my credit file. The collection is from XX/XX/2016. Well past the statute of limitations. I believe I am a victim of identity theft.
09/22/2022	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	MD 21921	Web
I was called by XXXX and told that i had a ZERO balance and the bill would be taken written off since the doctor received an explanation of benefits stating my insurance has paid in full.. I still saw the bill on XXXX and called them back and XXXX harassed me!! Told me I was wasting his time & continued to ignore my question and said no one here told you that do you want to pay or not? I was advised by XXXX XXXX reached out to a XXXX over at the providers office who was the head dog in billing and could verify if a XXXX was really received I then called back to the debt XXXX office where I spoke with XXXX who works with XXXX XXXX XXXX and asked if he was able to provide me with the number to the providers office where XXXX was located he provided me with a number and I called and there was NO XXXX in billing so I called back and spoke with XXXX and advised I would like some clarification since receiving his previous information & he said listen XXXX officially confused me and theres nothing else I can do you gon na pay or not? I asked for a manager and he said no, there is no one here for you to speak with
05/11/2021	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	MD 21206	Web
A debt collector is trying to collect money owed from 2016, though they took over the debt from a company that went out of business and never tried to contact me about the debt. I contacted the hospital who was the originator of the debt for them to tell me they have no record of one of the bills. I paid one debt in full to the hospital directly and let the debt collector know that the other bill did not exist in their system and that I need proof of the bill before I pay. The communication turned hostile via email and the collector told me that I was pulling a " pity card '' and began signing emails as " XXXX '' after I told the collector that they were XXXX for the shady business practice of never reaching out for payment, having all of my contact info on file as I've already tried to reconcile my accounts with them. I have the email chain available for review if needed. The amount in question is {$580.00} and debt collector has provided no proof up to this point and the original biller has no record of the debt. This is harassment and I feel like I have no rights here. What can I do?
06/22/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 94566	Web
On XX/XX/2021 I received a notification from XXXX, XXXX and XXXX that my credit score decreased due to company called Bay Area Receivables Inc reporting erroneous debt. I never received information in the mail in regards to this debt nor was I ever contacted via phone. Bay Area Receivables reported 6 items presumed to be medical debt ranging from XXXX to XXXX dollars reporting on XXXX XXXX and XXXX I proceeded to dispute information with all the three bureaus online, and XXXX was the only one to delete the information related to this company. On XX/XX/2021 I sent a validation/verification letter certified mail to bay area receivables to prove the debt. They did not respond within the allocated date of 30 days. I mailed certified letters to XXXX and XXXX requesting them to remove All negative accounts associated to Bay Area Receivables due to no response. XXXX Deleted all information immediately and XXXX did not. May Complaint is XXXX has yet to remove this negative items from my credit report following request to do so, and the fact it was removed by the other credit bureaus.
03/16/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 218XX	Web	Older American
I was contacted by XXXX XXXX from Bay Area receivables saying that I owed {$1700.00} to my doctor for XXXX. This was 1 year after I received the bill. I told the man that I was sure I had paid it. I told him I would look for payment and call him back. I have perfect credit. Being older it took me awhile but for some reason I could not find the payment. I just knew I had paid it. I called XXXX XXXX back and told him I could not find the payment and paid him the cost of the bill. He wanted me to pay months of interest and he did charge me a filing fee. He said I also owed other bills from 3 years ago which I have not researched but I know were paid. 5 minutes after I got off the phone I found the cancelled check for {$1700.00} and immediately called him back. I sent him a picture of the cancelled check. I asked him to return my money and after 3 weeks he has not. He said I owe fees and late charges and is holding the money. I have not answered to these Charges. Please tell me what I can do. My credit card company refused to cancel saying that the man said that I owed the money.
10/15/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD XXXXX	Web	Servicemember
The debt is not mine to pay, as I am and have been a consecutive recipient of XXXX. I have spoken with the insurance companies as well as the XXXX XXXX XXXX where the bill originated. There was a mix up with the insurance however, they have corrected then matter and it is being processed but the collection agency refuses to remove the account from my credit report. I was unaware of the existence of the matter since the information they have is dated. Both insurance companies are listed on the date of service but there was an error that led the insurance to submit the incorrect XXXX. Since they have fixed the issue and I spoke directly with the supervisor to ensure the company timely filing for their mistake. Either way I am not liable for a bill when I am insured current and retrospectively. I will fax in the correspondence I have received from XXXX XXXX which corrected the issue so that the correct insurance company which is XXXX XXXX can be billed. I also contacted the XXXX directly and they sent over a letter regarding the matter and dates of coverage.
06/06/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 21218	Web
I missed a call from debt collector Bay Area Receivables of XXXX, Maryland XX/XX/2022, and they left an automated voicemail stating I needed to call them to settle a debt. I checked my credit report and noted a collection for {$6000.00} that I did not recognize. I called Bay Area Receivables of XXXX, Maryland and they were not able to provide additional information over the phone. I mailed a certified letter formally requesting verification of the debt to Bay Area Receivables of XXXX, Maryland that was received XX/XX/2022 at their address in XXXX, Maryland by an individual. It is now XX/XX/2022 and I have not received any validation of this debt in writing from Bay Area Receivables of XXXX, Maryland. I have disputed this debt with XXXX, XXXX, and XXXX. Bay Area Receivables of XXXX, Maryland has not provided written validation of this debt within five days of contacting me, and is therefore in violation of the federal Fair Debt Collection Practices Act. Without written validation of said debt, I am concerned this effort to collect is an error or fraudulent.
11/17/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20735	Web
XXXX of 2017, I attended a Nightclub/Lounge in Washington DC with friends and left my wallet in the car taking only my main Cash and Cell Phone. When we returned to the car the window was smashed out and several items including my wallet had been stolen. The following days resulted in {$1000.00} 's of dollars spent at random XXXX XXXX in XXXX, MD and several online orders. Thes purchases were made on Credit Cards that I quickly canceled and replaced. A few weeks later I get a Bill for a Medical Procedure. I can affirm that this is a result of Fraud/Identity Theft. There isn't a day that goes by that someone does not mistake me for someone else. I would assume that my generic face was used in an Identity Theft scam so that someone could tend to some Health Related XXXX. I have successfully disputed this on each of my credit reports year after year and it keeps popping up, citing that the debt was sold to another collections company. Please assist me in acquiring a notice to block this from reappearing after being deemed Fraud. Thank you, XXXX
04/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 218XX	Web
Had a balance with a XXXX XXXX XXXX 's office, for an oral examination of my right front tooth, on XX/XX/2021. I received a letter sometime in XXXX asking for {$92.00} for my visit. Emailed and called his office many times, trying to pay my balance. On XX/XX/XXXX I finally got in contact with someone from his office and paid my balance of {$92.00}, with my credit card. Someone from a Bay Area Receivables contacted me later that week asking for payment for XXXX XXXX 's office. I told that person I had already paid my bill and I was told money was still owed to the collection agency. Informed them to take the matter up with XXXX XXXX 's because they hired them and accepted my payment. I knew nothing of the collection agency 's agenda till after I had settled my balance and did not appreciate the phone calls to my personal phone. This matter is between XXXX XXXX 's XXXX and Bay Area Receivables. I did not agree to pay for, nor did I receive any services. My account is paid in full to XXXX XXXX. I have a credit card statement to prove it.
11/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	DE 19711	Web
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by the Bureaus. Despite sending them letters, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports.Therefore, the Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are reporting : BAY AREA REC XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance {$880.00} BAY AREA REC ( XXXX XXXX XXXX ) XXXX Balance {$490.00} Date Opened : XX/XX/2020 BAY AREA REC XXXX XXXX XXXX XXXX ) XXXX Balance {$320.00} Date Opened : XX/XX/2020
08/11/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PA 193XX	Web	Older American
I discovered on my free annual credit bureau report a collection account # XXXX for {$560.00} by Bay Area Receivables. I dispute this entry item as Bay Area Receivables has not followed proper procedures under the Consumer Financial Protection Bureau 's Debt Collection Rule as to notification of alleged debt. Bay Area Receivables never requested payment from me. Before reporting an alleged debt to a credit reporting company a debt collector needs to contact the party either : in person, by telephone, mail, or electronic delivery. I maintain no communication was received from Bay Area Receivables before they reported to credit reporting companies. No validation notice was given. Bay Area Receivables has not provided the how they contacted me, when they contacted me, and where they contacted me to satisfy this requirement. I have been at the same physical address now for over 30 years, with the same phone number that length of time too. And the same email address for almost two decades now.
12/05/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 207XX	Web
I declare under penalty of perjury ( under the laws 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 misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under XXXX8 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
12/04/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 21215	Web
I declare under penalty of perjury ( under the laws 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 misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
11/11/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 21225	Web
I declare under penalty of perjury ( under the laws 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 misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
01/05/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 21220	Web
After reviewing my credit profile on XX/XX/XXXX, I identified a discrepancy with account listed under Bay Area Receivables and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report, and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please remove this account from all XXXX credit bureaus until adequate validation has been received proven that the account belongs to me, and all information is correct.
09/20/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	MD 218XX	Web
Bay Area Receivables has failed to provide any and all information I have asked for such as signed contracts or information proving the debts are mine and what they are for. I have sent several letters to po box and street address by regular mail and certified mail but the chose to be silent to my request. I have also ask the 3 bureaus to investigate and they say Bay Area said it was vallate without proof. It is my right to have proof or have it removed and the have been very nasty to me and others. I have been asking for years and the last 90 days I have insisted they show me proof. If they validate this with the bureaus they need a release from me as they are a 3rd party bully. XXXX has 20 account, while XXXX reports 8 as most have been deleted due to misinformation, and XXXX reports 40 accounts and I never got anything on these alleged accounts.
07/11/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 218XX	Web
On or about XX/XX/XXXX I pulled copies of my credit report and found an account listed with Bay Area Receivables for {$65.00} for XXXX XXXX XXXX. I have never been a patient at or sought the services of said company. I contacted the original creditor to inquire on this debt, only to be advised that they had no record of me ever being a patient and that I would need to resolve with the collection agency. I contacted Bay Area Receivables on XX/XX/XXXX and requested to know what this debt was and for proof. I was advised it was for a return check and was mailed a copy front and back of the check. Upon receipt of the requested items, it was very clear that the signature and writing of said check was not mine. I have disputed this debt only for Bay Area Receivables to continue reporting and stating debt is verified as valid.
02/03/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 20716	Web
The medical office charged {$300.00} for services one XXXX XXXX that were not provided by the physician. I disputed the charge when the bill was initially received in early XXXX with the physicians billing service and initial collection agency. I believed the matter to be settled, because I did not receive any additional communications from the physicians office or initial collection agency after mid XXXX, nor was anything placed on my credit report at that time. A new collection agency, Bay Area Receivables inherited the files after the initial collection agency went out of business and placed the item on my credit report in XX/XX/XXXX. I had not been contacted and only found out in XX/XX/XXXX, after I logged in to view my credit report.
04/25/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	DE 199XX	Web
I had and still suffer from XXXX and XXXX XXXX of XXXX which led the the hospital. Now 2 years XXXX I have a bunch of debt from these Medical bills 11 to be exact one in the amount of almost XXXX and another in the amount of almost XXXX. I have insurance and being XXXX XXXX XXXX at the time from my own doing and the hospitals I have no recollection of me singing anything, any procedures, doctors, absolutely none of that. Ive contacted the collection agency asking for the info to validate my debt and they refuse I know I must have rights when it comes to this I need a break down of these bills or them to be expunged Im trying to piece my life back together and its nearly impossible with these over my head
04/11/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 208XX	Web	Servicemember
In XX/XX/XXXX I was transported to the hospital by XXXX XXXX. When I received the bill I provided both my XXXX and XXXX insurance information. Around XX/XX/XXXX I received a call late at night from a very rude person saying I owe XXXX XXXX XXXX. I informed him that I don't and that not only did I provide both my insurance, you can not bill XXXX recipients separately. He said it's going to go on your credit. I said you can not do that. I provided all my information and do not owe you any money. Stop harassing me. You are calling late at night and being very rude. I informed him to remove my number from the system and send me any further communication in writing. XXXX XXXX still put me in collection.
07/07/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	DE 199XX	Web
Effective XX/XX/2022 the time period before an unpaid medical collection debt would appear was increased from XXXX XXXX to XXXX XXXXr per XXXX credit reporting agencies. XXXX XXXX has put XXXX collection unpaid medical collection on my report XXXX and XXXX these were only XXXX XXXX old and should not be on there this has dropped my score XXXX points. On top of that i have XXXX XXXX and they should XXXX XXXX not me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Id XXXX Pcp information None selected electric payer ID XXXXXXXX XXXX XXXXXXXX XXXX XXXX. All this information was given to them. I want this removed off all XXXX credit reports as soon as possible.
02/24/2019	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CO 80911	Web
Bay Area Receivables is a collection agency from the State of Maryland who is reporting two collection accounts on my credit report with XXXX and XXXX. I am a resident of the state of Colorado. I sent a request to both credit bureaus in XX/XX/2018 and to the company at the same time asking to validate this debt. To this date I have not received a response from the credit bureau or the collection agency. Subsequently, I discovered that Bay Area Receivables is not a licensed collection agency in the State of Colorado. The address for Bay Area Receivables is XXXX XXXX XXXX XXXX, XXXX MD XXXX, telephone number is XXXX. XXXX.
07/13/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28376	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
07/07/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	VA 233XX	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
01/13/2021	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 Problem with personal statement of dispute	MD 21136	Web
BAY ARE RECEIVABLES add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contact, signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, BAY ARE RECEIVABLES has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.
02/03/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 20744	Web
Please refer to uploaded document for all of the details about the complaint. This complaint involves two companies. The hospital where medical treatment was received and the collection agency. This collection account is reported with an outstanding balance of {$790.00} at all three credit bureaus. The medical bill was paid by my primary insurance, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX contact : XXXX XXXX XXXX Bay Area Receivables XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX contact : XXXX XXXX XXXX bayareareceivables.com
07/29/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23451	Web
I asked the third party to validate the debt for a few months now and have gotten nowhere. When I spoke to them on the phone, they acknowledged the debt doesn't belong to me but a family member who they stated was my adult child. I was informed they used " XXXX XXXX XXXX' to track my personal information and add to my credit report. I never received a copy of any bill nor any notice regarding the debt. What happened to my right to privacy, which I feel is being violated? Me nor my adult child have never been to any medical facility in Maryland PERIOD!
05/22/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MD 216XX	Web	Older American, Servicemember
the collection agency [ bay area recievables ] are trying to collect a debt that would have been paid by the VA XXXX XXXX, had they paid attention to my instructions to not bill XXXX, but to bill the VA XXXX XXXX, theVA paid all of my medical bill 's from all providers, but the bill in dispute was not paid in full, XXXX paid all but XXXX dollars of the bill, had they billed the VA they would have been paid in full, i am a 100 % XXXX vet and my XXXX is taken care of by the VA, there fore I would like to have this removed from my credit report.
07/24/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11694	Web
The company Bay Area receivables posted a bill on my credit without due process I never got a notice to respond within 30 days prior to finding out that I had a pass due bill with a hospital. I had no knowledge of the bill and thought medical took care of it. The company did not afford me the opportunity to clear the debt if owed prior to posting it on my credit and/or to verify if the debt was infant owed or not or something my insurance would take care of. Just wasnt afforded due process
10/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	DE 19973	Web
I'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.
01/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21401	Web
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 602A. 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.
04/16/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 216XX	Web
I sent two validation letters by certified mail on XX/XX/XXXX and XX/XX/XXXX to Bay Area Receivables in XXXX, MD to receive proof that the debt of {$700.00} is actually mine. According to the FDCPA, I am entitled to request this information. I have received ZERO responses from the company and every month they are continuing to report this debt on my credit report.I am seeking legal action against them unless they remove this collection or send me some validation.
10/02/2022	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MD 21117	Web
XXXX XXXX XXXX XXXX has sold my previous loan to a debt collector illegally but not only did they do that. They also filed a criminal lawsuit against me. I borrowered and paid a balance of XXXX. They sold the false debt and sued me for XXXX. Ive talked to the police about this situation because a warrant was issued for my arrest because they sued me. Please remove there fraudulent claims from my credit profile. I do not owe any one or them anything. Thank you
07/28/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MD 21403	Web
I have been notified by the debt collector of an outstanding debt that I did not create nor authorize. I was not seen by or treated for by the client of the 3rd party debt collector. I did not sign, authorize, or receive any treatment or service on XX/XX/2019. The debt collector is unable to provide the proper/correct information such as : Signature of authorization Itemized billing statement Original/correct amount of invoice
04/02/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IN 46226	Web
I contacted that the company that stated that i owed over {$800.00} for a company name blusoft I told them that I am unaware of this debt but yet i would still like to resolve it financially, the collection agency started who says i owe them stated that i owe over {$1100.00} for the a debt that was {$800.00} he continues to insults me by telling me that i won't be able to purchase anything because of this dept.
02/03/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 21117	Web	Older American
Ive set number of emails at least six to Miss XXXX from the collectors of {$150.00} that was paid in full on two separate payments the same hour same day XX/XX/2020 I will contact her for five times I left voicemail messages for her I still have not gotten back to me as of what is going on what is still sitting on my credit report nothing is being done her name is XXXX XXXX
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	DE 19702	Web
In accordance with the Fair Credit Reporting act XXXX, Account # XXXX, in the amount of {$2400.00} and account # XXXX, in the amount of 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
01/23/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21801	Web
Bay Area Receivables is reporting false information to credit bureaus regarding a bill. XXXX seperate accounts XXXX balance is {$2500.00} and the other balance is XXXX. I have tried to resolve the issue but Bay Area Receivables area refuses to acknowledge those bills are not in my name. XXXX XXXX XXXX XXXX requires that the information is accurate.
12/10/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 21801	Web
I contacted Bay Area Receivables regarding a {$100.00} balance that I supposedly owed. I paid this statement on my patient portal at XXXX XXXX XXXX previously XXXX XXXX XXXX XXXX XXXX. I contacted XXXX XXXX who informed me that I had no balance. Bay Area Receivables is still showing this debt and will not remove it.
01/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 21113	Web
XXXX XXXX XXXX Opened XXXX Bay Area Receivables Opened XXXX Because these debts are illegal. resulting from criminal identity theft reported to law enforcement via the XXXX Police Department police report # XXXX ; in violation of 15 US Code 1692 ( e ) ( f ).
11/29/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 234XX	Web
I sent a certified letter to the company requesting information so I could validate the debt. They ignored my request. I have proof that they received my letter. They continue to report this information and have not indicated that I am disputing the debt.
05/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21804	Web
Bay area receivables put false information on my credit report that dated back to 2016. But the account does not belong to me at all and is someone eleses. This collection agency is fraud and needs to be investigated.
08/12/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MD 21801	Web
I have filed collection disputes with credit bureaus, with documentation showing the debt was paid prior to going to collections. The company refuses to remove debt despite the receipts and invoices of amounts paid.
12/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	DE XXXXX	Web
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
01/30/2018	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 218XX	Web
Hi I requested Proof of Validation of Debt XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have not received this was sent certified mail and they did sign for the documents that I sent.
12/13/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DE 19966	Web
There is no delinquent account and this company Bay Area Receivables has not responded to my communication attempts regarding an incorrect claim that I owe someone {$480.00}
01/01/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20721	Web
I have a Bay Are receivable collection with amount of {$290.00}. I have no idea how I obtained the debt, I believe that someone mistakenly has the wrong person.
12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 234XX	Web
I have XXXX XXXX on my Credit report when I had medical insurance from my job and they charged me every visit
09/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD XXXXX	Web
Company did not resolve my issue when contacted and told them I am a victim of identity theft
04/06/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	DE 19904	Web
Debt not owed.
04/06/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	DE 19904	Web
Debt not owed.
01/06/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 20715	Web

07/16/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 21643	Web

04/30/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	DE 19702	Web

03/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 20708	Web

12/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19144	Web

12/14/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	DE 19968	Web

12/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Unexpected or other fees	MD 21133	Web

11/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MD 21114	Web

11/02/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MD 21012	Web	Servicemember

10/24/2022	No	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	MD 21801	Web

10/07/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 21853	Web

09/13/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IA 50135	Web

08/30/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MD 21613	Web

08/29/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	VA 23395	Web

06/28/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 21401	Web

06/27/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 20720	Web

06/03/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MD 21601	Web

05/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21061	Web	Servicemember

05/11/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23405	Phone

04/26/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 21804	Web

04/26/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 22311	Web

03/24/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	DC 20002	Web

03/23/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	DE 19940	Web

03/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23301	Web

03/07/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 20715	Web	Servicemember

03/02/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MD 20746	Web

01/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20639	Web

01/27/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 21755	Web

01/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20735	Web

01/11/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 21224	Web

12/25/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	DE 19933	Web

11/11/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MD 21801	Web	Older American

11/08/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 20772	Web

10/28/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 20707	Web

09/28/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 11233	Web

09/11/2021	No	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	MD 20910	Web

08/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21225	Web

07/27/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	MD 21756	Web	Servicemember

07/09/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 21222	Phone

06/23/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 20707	Web

06/21/2021	Yes	Debt collection Medical debt	Communication tactics Called before 8am or after 9pm	WI 535XX	Web

06/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21804	Web

05/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DE 19901	Web

05/11/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 21226	Web

05/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21716	Web

04/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	DE 19963	Phone

04/05/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	DE 19973	Web

03/03/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21122	Web

12/19/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	DE 19975	Web

10/28/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21212	Web

10/13/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 21054	Web	Servicemember

08/12/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 21802	Web	Servicemember

09/15/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21804	Web

09/09/2018	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 21811	Web

07/26/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MD 21801	Web	Servicemember

04/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DE 19701	Fax

04/10/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	MD 21826	Web

09/09/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19149	Web

08/11/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	DE 19947	Web

10/21/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	DE 19701	Web

03/10/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95403	Web

11/12/2013	No	Debt collection Medical	False statements or representation Attempted to collect wrong amount	MD 21811	Web