| 11/07/2021 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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( XXXX XXXX ) Bull City Financial Solutions, a medical debt collection company located in XXXX, NC, claims on its company website that it has contracts with the largest healthcare providers in Oklahoma yet there is no record with the OK Secretary of States office that a Certificate of Qualification as a foreign ( meaning, in this case, out of state ) corporation has been properly filed before conducting business in the state. There is also no evidence so far in the Oklahoma papers of record of any formal arrangement or agreement between BCFS and any Oklahoma medical providers to pursue debt collection.
BCFS ( Bull City Financial XXXX ) has been calling Oklahoma consumers, including XXXX XXXX XXXX XXXX XXXX, purporting to be collecting debt. Mr XXXX reports that he was asked for several pieces of sensitive personal information which could be used to construct fraudulent online profiles, and that when he began asking questions about the company and its practices, he was disconnected. After several hours of attempting unsuccessfully to talk to someone at the company, Mr. XXXX began looking into the company online, including corporate filing documents that are publicly available.
Mr. XXXX says According to Oklahoma Statute 18-1130 ( full statute text copied at the end of the article ) they should have filed appropriate certificates with the secretary of state prior to conducting any business in our state. As far as I am able to tell, they havent done so, or its been done in a way that obfuscates their true name So far, searches of the database on the Secretary of States website have revealed no matches for Bull City Financial Solutions, or any of the dozens of other corporate names that they have operated under in the past, or even the name of the companys CEO, XXXX XXXX XXXX, XXXX ( and the various aliases he has also used, such as XXXX XXXX, XXXX XXXX, and similar ) despite being named as an officer in all of the corporate entities found so far.
Mr. XXXX says he is committed to finding out the details of BCFSs business practices, both here and in other states where they operate, and will be contacting the Secretaries of State in OK and NC , as well as following up with local offices of the Federal Trade Commission , which oversees the activities of such companies. He asserts that the failure to be properly registered indicates a possible violation of the Federal Fair Debt Collection Act, as it is a deceptive practice forbidden by the act ( i.e. pretending to have authority to conduct business in a state where they are not legally allowed to conduct business, pretending to governmental authority they do not have ) Despite many attempts to contact and receive comment, no one at the company has issued any statement by phone or in writing answering these concerns.
( end ) Additional info : Oklahoma Statute 18 - Corporations 18-1130. Foreign corporations - Definition - Qualification to do business in state - Procedure FOREIGN CORPORATIONS ; DEFINITION ; QUALIFICATION TO DO BUSINESS IN STATE ; PROCEDURE A. As used in the Oklahoma General Corporation Act, the words " foreign corporation '' mean a corporation organized pursuant to the laws of any jurisdiction other than this state.
B. No foreign corporation shall do any business in this state, through or by branch offices, agents or representatives located in this state, until it shall have paid to the Secretary of State of this state the fees prescribed in Section 1142 of this title and shall have filed with the Secretary of State : 1. A certificate as of a date not earlier than six ( 6 ) months prior to the filing date issued by an authorized officer of the jurisdiction of its incorporation evidencing its corporate existence.
If such certificate is in a foreign language, a translation thereof, under oath of the translator, shall be attached thereto ; 2. A statement executed by an authorized officer of the corporation and acknowledged in accordance with the provisions of Section 1007 of this title, setting forth : a. the mailing address of the corporation 's principal place of business, wherever located, b. the name and street address of its additional registered agent in this state, if any, which agent may be an individual resident in this state, a domestic corporation, a domestic partnership whether general or limited and including a limited liability partnership or a limited liability limited partnership, a domestic limited liability company, a domestic statutory trust, a foreign corporation other than a foreign partnership whether general or limited and including a limited liability partnership or a limited liability limited partnership, a foreign limited liability company or a foreign statutory trust, if authorized to transact business in this state, Oklahoma Statutes - Title 18. Corporations Page 474 c. the aggregate number of its authorized shares itemized by classes, par value of shares, shares without par value, and series, if any, within any classes authorized, unless it has no authorized capital, d. a statement, as of a date not earlier than six ( 6 ) months prior to the filing date, of the assets and liabilities of the corporation, e. the business it proposes to do in this state and a statement that it is authorized to do that business in the jurisdiction of its incorporation, and f. a statement of the maximum amount of capital such corporation intends and expects to invest in the state at any time during the current fiscal year. " Invested capital '' is defined as the value of the maximum amount of funds, credits, securities and property of whatever kind existing at any time during the fiscal year in the State of Oklahoma and used or employed by such corporation in its business carried on in this state.
C. The Secretary of State , upon payment to the Secretary of State of the fees prescribed in Section 1142 of this title, shall issue a sufficient number of certificates under the hand and official seal of the Secretary of State , evidencing the filing of the statement required by the provisions of subsection B of this section.
The certificate of the Secretary of State shall be prima facie evidence of the right of the corporation to do business in this state ; provided that the Secretary of State shall not issue such certificate unless the name of the corporation is such as to distinguish it upon the records of the Office of the Secretary of State in accordance with the provisions of Section 1141 of this title.
XXXX XXXX XXXX XXXX, upon receiving a certificate from the Secretary of State XXXX shall enjoy the same rights and privileges as, but not greater than, a corporation organized under the laws of this state for the purposes set forth in the statement filed by the corporation with the Secretary of State pursuant to which such certificate is issued and, except as otherwise provided in the Oklahoma General Corporation Act, shall be subject to the same duties, restrictions, penalties and liabilities now or hereafter imposed upon a corporation organized under the laws of this state with like purpose and of like character.
Added by Laws 1986, c. 292, 130, eff. Nov. 1, 1986. Amended by Laws 1987, c. 146, 9, operative Nov. 1, 1987 ; Laws 1991, c. 331, 56, eff. Sept. 1, 1991 ; Laws 1998, c. 422, 26, eff. Nov. 1, 1998 ; Laws 1999, c. 421, 20, eff. Nov. 1, 1999 ; Laws 2017, c. 323, 33, eff. Nov. 1, 2017.
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| 08/25/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party. I am communicating with you directly as requested regarding concerns/ issues with my credit report.
This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Accounts Requiring Immediate Removal : BULLCITY FINANCIAL with Account # XXXX for a debt you claim I owe of {$250.00} that is reporting as a Collection/Charge Off BULLCITY FINANCIAL with Account # XXXX for a debt you claim I owe of {$370.00} that is reporting as a Collection/Charge Off Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating 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 Title and Section. I respectfully request 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 may constitute fraud under both Federal and State Laws. Due to the 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 the following : Violation of that Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and 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, during which 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 any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
If your office fails to respond to this validation request withing 30 days from the date of your receipt, 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.
CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.
Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX out the balance on this account.
Grant me my title lien free.
Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.
Deletion from all consumer reports.
Best regards, XXXX XXXX Please provide the following information : 1. Name and address of alleged creditor.
2. Name on File of alleged debtor.
3. Alleged account # 4. Addr
ess on file for alleged debtor.
5. Alleged account # 6. Amount of alleged debt 7. Date ( this alleged debt became payable ).
8. Date of original charge or delinquency.
9. Was this debt assigned to a debt collector or purchased?
10. Amount paid if debt was purchased.
11. Commission for debt if collection efforts are successful.
Please attach copies of the following : Agreement with your client that grants ____ ( Collection Agency Name ) the authority to collect this alleged debt.
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector.
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
All Statements while this account was open.
Have any insurance claims been made by any creditor regarding this account?
Yes No Have any judgements been obtained by any creditor regarding this account?
Yes No Please provide the name and address of the following bonding agent for ( Name of Debt Collector XXXX, in case legal action becomes necessary : Authorized Signature of Creditor : __________________________ Date : ________________________________ You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter.
Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Please allow 30 days for processing after I receive this information.
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| 04/19/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have contacted the credit bureaus XXXX, XXXX, and XXXX several times beginning back in XX/XX/2019 to dispute these collections that continue to be reported on my credit profile. I have also contacted the companies, and NO ONE is providing the accounting requested. I do not request a statement ; which I haven't received that either. I request a full annual comprehensive accounting which shows the asset and the liability side. I need to see where all funds originated from, all funds paid, received, etc. I also have request a copy of the collateral that secures the obligation.
Even though I have engaged in business previously with the original creditor ; all debts were settled. I also have never received any bills for the amounts being reported, and when I contacted the original creditors ; they have stated that their books do no reflect a debt owed for that amount. It is my understanding that these companies had 30 days to verify that the debt is accurate, and that they must provide an accounting when one has been requested.
I have previously filed an Identity Theft Report with the FTC file # XXXX when the companies, and the Bureaus failed to verify the accounting, and the collateral that allegedly obligated me to this debt. The Bureaus just say the account was verified without showing how they come to this determination. I have notified the bureaus that I do no consent to E-OSCAR, or any other electronic verification, because I need physical evidence, because it will show that the debt is not mine.
I am now launching an Identity Theft Complaint against the following companies, because if they can not verify ( VERTFICATION DEFINITION- '' Confirmation of correctness, truth, or authenticity, by affidavit, oath, deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party. Sworn or equivalent confirmation of truth ... In accounting, the process of substantial bookkeeping entries in books of account. '' ) these accounts, then all parties are engaging in Identity Theft ( Identity theft occurs when someone uses another person 's personally identifying information, like a person 's name, Social Security number, or credit card number or other financial information, without permission, to commit fraud or other crimes. ). None of these companies have a signed contract with Me. I have authorized none of the companies to use my personal identifying information. I have even went as far as to offer a conditional acceptance and pay the alleged debt upon proof of claim that they provide the accounting documents that I know from my own accounting experience will show if a debt is truly owed. I request a FR 2046, FAS 95, FAS 140, and the original contract ( and if its a copy I need the front and back of all documents ), and all documents need to be submitted by oath, or affidavit sworn under penalty of perjury. They have no problem submitting an affidavit to secure a summary judgement when a billing statement is not paid. I require one to validate the authentication of the documents, because a copy is not an authenticated document. In fact it is a forgery.
Yet, none of the companies have even made an attempt to offer any response, and my credit score is suffering because of it which has caused financial injury to my property. I suffer higher interest rates ; if I get approved at all. These accounting documents are necessary to validate my claim, because it will show a complete accounting, the actual cash flow, and the collateral that obligates the debts which are mandated upon request, or there are penalties for their refusal. I come to you now to mediate between the corporations, and the Bureaus for their lack of compliance.
Unfortunately due to the pandemic I can not haul these corporation into court, because I feel that it is necessary to obtain fairness. These companies are obligated to act in good faith. When dealing with my personal identifying information/data/property, they are acting in a fiduciary position. They are administering my trust business improperly, and clearly without authorization. I now place my trust business in your hands, and trust that you will settle the matter accordingly. The companies that are misappropriating my personal identifying information, committing identity theft, not operating in good faith, and causing me and my property injury are : XXXX XXXX XXXX BULL CITY FINANCIAL {$150.00}, {$130.00}, {$190.00}, and {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
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| 06/05/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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It is my understanding that the Federal Trade Commission ( FTC ) oversees and regulates violations of the Fair Debt Collection Practices Act ( FDCPA ), which is a law intended to protect consumers like me from potentially abusive and harassing behaviors of creditors like Bull City Financial. Bull City Financial Solutions , Inc. continues to report false and inaccurate information to my consumer credit file across all three consumer reporting agencies including XXXX, XXXX, and XXXX which are causing my financial standing to look poorer than it really is. Therefore, I believe that they are knowingly and illegally causing malicious and adverse effect on my credit file. It should be noted that I have submitted several disputes regarding this collection account ( since XX/XX/21 ) to the consumer reporting agencies previously mentioned. However, Bull City Financial has continued to ignore the disputes and falsely validate inaccurate information/ balance due for this collection account. This debt was PAID IN FULL to the original creditor ( XXXX XXXX ) on XX/XX/21 and Bull City Financial and the CRAs were provided with confirmation of my payments. Copies of my payments included a bank statement and/or screen shot of bank account activity. I also contacted XXXX XXXX directly ( case # XXXX ) and ( case # XXXX ) multiple times regarding this dispute who confirmed that they have submitted confirmation of payment multiple times to Bull City Financial Solutions and requested that Bull City seize all collection and credit reporting activity of this account. However, despite knowing this account is no longer collectible, Bull City Financial has continued to perform collection practices to falsely manipulate the amount due on this account. They updated the amount on the account from {$1000.00} to {$1000.00} rather than a XXXX balance since the collection account was paid in full. Plain and simple, there is NO balance due on this account, but Bull City still has an open collection on my credit report attempting to collect this amount. Since Bull City Financial has and continues to use unfair or unconscionable means to collect or attempt to collect this debt, I am requesting that this collection account be DELETED from my credit file immediately due to consistent violations of my rights. Simply put, Bully City Financial demands for monetary amounts are not contractually legal. The amount represented on my credit file from this creditor is inaccurate and Bull City Financial have been informed of the inaccuracies of this account by myself, XXXX XXXX, XXXX, XXXX, and XXXX, yet they are trying to collect monetary amounts that are greater than the amount thats actually owed. Again, this is a violation due to this account being paid in full to the original creditor and no payment is due on this account. The amount due is {$0.00} NOT {$1000.00} as reported by Bull City Financial, which again is a blatant violation as I have and continuing to suffer from abusive collection practices from Bull City Financial. A federal law, the Fair Debt Collection Practices Act ( FDCPA ), says that a debt collector is not allowed to use unfair practices to collect a debt. For example, a debt collector may not try to collect charges in addition to the debt unless they are allowed by the contract or state law. This federal law also prohibits debt collectors from using false, deceptive, or misleading practices. This includes misrepresentations about the debt, including the amount owed. Given the latter, Bull City Financial Solutions has clearly ignored these rules therefore, I am making a formal complaint as I am tired of being hounded for debts that I have already paid. This is unacceptable and I refuse to have my rights violated any further and want something to be done regarding the illegal practices of this company. In my opinion they should no longer be allowed to operate when they violate the FDCPA but ... this has yet to be put into practice.
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| 01/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I spoke to one of your representatives on XX/XX/XXXX who told me to file this complaint. On XX/XX/XXXX, I submitted a complaint to CFPB about Bull City Financial XXXX. The company responded on XX/XX/XXXX stating that they would remove all collections from the 3 credit bureaus, and if there was a problem call them at XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I sent your response, Bull City Financial response, and the State Of North Carolina letters ( all attached below ) to all 3 credit bureaus. XXXX and XXXX removed all the collection accounts from my credit report, but XXXX is refusing to remove the incorrect information. I called Bull City Financial on XX/XX/XXXX to ask for help. They informed me that they sent the removals to all 3 credit bureaus and that's all they can do. If XXXX will not remove them, it's XXXX not Bull City Financial. Bull City asked me to give them authorization for any third party to call them so that they can tell anyone to remove them, and I did that. They told me to call XXXX and have them call Bull City so that they can tell them directly. On XX/XX/XXXX, I called XXXX. They said that they received my dispute letter on XX/XX/XXXX and they tried to contact Bull City Financial, but they did not respond. They said that even though CFPB sent the resolution, and the fact that they received the State of North Carolina letters as proof that theses collection accounts are not mine and need to be removed per State Law, they said they can't remove them without Bull City Financial responding to their inquiry. I asked, what happens if Bull City does not contact them, and XXXX representative told me that they would stay on my credit report. What good is the dispute system, if you supply government documentation showing that they are to be removed, and they refuse. After almost XXXX hours with the representative, I asked for their Processor of Service Agent, which she said she is not authorized to give the public. She told me if I wanted the information I would need to speak with a supervisor. I said fine, and was transfered to a supervisor who I waited for for another hour. The supervisor told me that they will not remove the incorrect information even with the CFPB letter, State of North Carolina letter or current laws. She told me they will wait until Bull City contacts them even if it means waiting the 7 years for the incorrect information to coming off my credit report. I told her that was not acceptable, and please give me the address and telephone number of their XXXX XXXX XXXX so that I can sue both Bull City Financial and XXXX, so that they can come into court and tell the jury why, with your letter and the State of North Carolina 's letters were not good enough for them. AFTER another hour, she finally gave me a fraudulent address and telehone number for their processor of service ( I tried to google the address and telephone number which said there was no such address and phone number ). They are hurting my credit standing by each day they refuse to remove the incorrect information, and not allowing the public to submit documentation from government agencies ( both Federal and State ) showing that these are to be removed from my credit report. What other or best proof can you submit to make XXXX to make them happy, according to them nothing. All documents that were sent to XXXX are attached below. I don't know what else to do, but don't want to be in the middle of either Bull City Financial or XXXX. I have a tendency to believe Bull City, because if you use reasoning, why would they tell 2 other credit bureaus to remove the collection accounts, but only tell XXXX to remove 3 out of 8. I believe XXXX is using deceptive practices and credit reporting policies that are against at least State law according to the letter attached. I believe they gave me a phony address and telephone number to their Processor of Service intentionally. PLEASE HELP!!
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| 10/17/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I sent a debt validation letter, requesting validation not verification of this debt but this collection company never validated this debt they say I owe, also I never signed a HIPPA Release Form for someone to share my information with this collection agency. In the first debt validation letter I stated : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please 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 { b } 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 Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : 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 to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide 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 with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer-generated calls and calls or correspondence sent to or with any third parties, 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 by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
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| 09/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Bull City Financial Solutions is reporting negative and damaging information to my consumer report without any consent of mine. They are reporting to all 3 credit agencies that I have an account in collections with them and I owe them in the amount of {$1100.00} dollars. I have sent them a debt validation letter and they failed to do so.
In accordance to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), it states : '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right and every right to make sure my private and non-public information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
Bull City Financial Solutions is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Bull City Financial Solutions and the Consumer reporting agencies : XXXX, XXXX, and XXXX, do not have my consent to furnish this information and they most certainly do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, and Bull City Financial Solutions, whether it be verbal, non-verbal, written, implied or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Bull City Financial Solutions, taking it upon themselves to report something damaging to my consumer profile, never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. It is false because there has been no validation of anything. 15 U.S. Code 1681e states, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
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| 10/16/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX XXXX : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively XXXX My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX XXXX XXXX Fair Debt Collection Practices Act : XXXX XXXX XXXXt On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the XXXX timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : BULL CITY FINANCIAL SOLU XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX ACCOUNT # XXXX I apologize fot the confusion on my original dispute. The truth is that there are issues with every negative item on my credit report. The reason is because I am not the authorized responsible party on any of the previously posted disputes. Therefore, I request the following procedure for the above posted creditor : 1 ) Please review who the responsible party is on the credit tradeline.
2 ) If I am only an authorized user, then the tradeline on my credit, and the corresponding collection will also need to be permanently deleted.
3 ) I must be given notice that a release of responsibility has been sent to me in written form for my records.
4 ) I have full appreciation to the CFPB for your great help in this matter.
5 ) The above referenced account and/or collection must be deleted. The responsible, if any would be my husband, who was only trying to help his wife establish credit. It did not work out as planned.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 03/19/2020 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I reviewed my credit report and noticed an account that I was not familiar with, nor am I aware of a debt owed to the alleged Creditor. I then disputed the account with the credit bureau. It was not removed. I was informed by a friend to submit a dispute letter directly to the company. Then on XX/XX/2020 I sent a dispute letter via certified mail # XXXX XXXX XXXX XXXX XXXX, with a returned signature card, received on XX/XX/2020 and signed by a XXXX XXXX. XXXX ... ( can not make out the rest ) to XXXX XXXX XXXX XXXX , XXXX. | XXXX XXXX XXXX XXXX, XXXX . XXXX | XXXX, NC XXXX | XXXX XXXX XXXX # XXXX |FEI/EIN # XXXX. I requested the following verified assessment documentation : ( 1 ) to be informed who they were by requesting a completed W-9 and by what authority were they're able to possess my intellectual property data/personal identifying information, ( 2 ) to be provided a list of the collateral that secures the obligation, and ( 3 ) a full comprehensive accounting of both bookkeeping entries for the liability/asset sides. The accounting consists of a copy of the forms used for the accounting which are : ( 1 ) FAS 95 Accounting Statement, ( 2 ) 2046 Balance Sheet, ( 3 ) 1099OID filed with the IRS, ( 4 ) CUSIP number attached to the instrument ( s ), ( 4 ) copies of any bills that have been allegedly sent to by BULL CITY FINANCIAL SOLUTIONS , INC, and the Creditor XXXX XXXX. I sent this request in the form of an affidavit and have requested for Verification/Validation, Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition in which they were provided 30 days to respond. I placed this request for a full accounting and a list of the collateral that secures obligation pursuant UCC 9 -210. They failed to reply or remove the account from my credit profile at one or all of the three major credit bureaus XXXX, XXXX, and/or XXXX. I then sent a second affidavit out on XX/XX/XXXX certified mail # XXXX XXXX XXXX XXXX XXXX to BULL CITY FINANCIAL SOLUTIONS , INC and it was received on XX/XX/2020 in which I have not yet received the return signature card providing them an opportunity to cure their fault which granted them 3 business days to submit the requested information which is mandated. Through their acquiesce they have agreed that they lack a valid claim, yet still report an alleged debt amount of {$100.00} to XXXX, and I have no way of seeing if it is showing on XXXX as well. I included a bill/fee schedule for the violations under the FDCPA, violations of intellectual property rights, reporting false debts, and damages/injury to my property for a total amount of {$22000.00} USD in the event of default. I am now sending out their default letter, granting 3 more business days with the option for them to provide documentation requested ; which they should have by now ; rebut my affidavit point by point, or delete the account from my credit profile ( s ) and be barred from using my intellectual property data/information again. If they can not do either one then they need to pay the fee schedule amount for the harm caused. It has damaged my credit score, and holds me back from securing a bank loan with a reasonable interest rate. My credit is perfect except for this unverified flaw on my credit report.
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| 06/28/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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I am writing to file a complaint against Bull City Financial Solutions , Inc. for their violations of consumer protection laws and misrepresentation of information on my credit report. I request your assistance for the 2nd time in addressing these issues and taking appropriate action against Bull City Financial Solutions , Inc. : Bull City Financial Solutions , Inc. has failed to supply proof under the doctrine of estoppel by silence, as established in the case of XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. Based on this legal principle, I presume that no proof of the alleged debt exists, and therefore, the debt itself does not exist. I have requested numerous of times that Bull City Financial Solutions, Inc. provide me with the completed original contract, including all endorsements and assignments, pertaining to the account they have reported on my credit report. In the absence of such evidence, Bull City Financial Solutions , Inc. to promptly remove all inaccurate or unverifiable information related to the account from my credit report. Furthermore, I request that Bull City Financial Solutions , Inc. ceases reporting this disputed information to any third parties immediately Bull City Financial Solutions , Inc. has violated 15 U.S. Code 1692e - False or misleading representations. Specifically, they have committed an act of reporting inaccurate information to the credit bureaus regarding alleged charged-off account, falsely representing them as open balances from the original creditor. It is important to note that charge-off debts must be reported to the IRS on Form 1099-C. Failure to comply with this requirement results in noncompliance with applicable tax laws, rendering such debts ineligible for assignment to a debt collector. Therefore, I request that Bull City Financial Solutions, Inc. provide me with the completed original contract, including all endorsements and assignments, pertaining to the accounts they have reported on my credit report, as well as the contract I have with Bull City Financial Solutions , Inc . If they are unable to provide this documentation, I insist that all inaccurate or unverifiable information related to these accounts be promptly removed from my credit report. Additionally, I demand that Bull City Financial Solutions , Inc. cease the reporting of this disputed information to any third parties without delay. I want to bring to your attention that Bull City Financial Solutions , Inc. have shown a pattern of violating consumer protection laws by purchasing accounts that have been charged off and cancelled by Form 1099-C. I kindly request your immediate attention to this matter and a thorough investigation of the reported violations by Bull City Financial Solutions , Inc.. I expect that appropriate actions will be taken to rectify these issues, hold the company accountable, and ensure compliance with consumer protection laws. I appreciate your prompt assistance in resolving this matter. Thank you for your attention to this complaint.
Sincerely, XXXX XXXX
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| 09/02/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Subject : Dispute and Cease Unauthorized Use of Personal Spiritual Beliefs Dear Sir/Madam, I hope this letter finds you well. I am writing to address a matter of extreme importance and urgency regarding the unauthorized use of my personal information for financial gain. It has come to my attention that you have been utilizing my personal information, particularly my spiritual beliefs, without my consent and in a manner that has resulted in monetary gain for you or your organization. First and foremost, I would like to clarify that my spiritual beliefs and the state of my soul are deeply personal and private matters. As such, any usage or dissemination of these aspects of my identity requires explicit permission from me. I would like to emphasize that I have never granted you or anyone associated with you the right to use my spiritual beliefs for any purpose, let alone profiting from them. According to the information at my disposal, it appears that you have been using my spiritual beliefs in a commercial and monetary context. Such unauthorized exploitation is not only ethically objectionable but also legally prohibited. I am hereby notifying you that your actions are in direct violation of my rights as an individual and are subject to severe penalties under applicable laws. As the unauthorized use of my personal information carries significant consequences, I demand that you immediately cease and desist from using my spiritual beliefs, or any other personal information, without my explicit consent. Furthermore, you are required to provide a written statement within seven ( 7 ) days from the date of receipt of this letter confirming that you have complied with my demand and ceased all unauthorized usage of my personal information. I wish to remind you that unauthorized use of personal information is a breach of privacy and may cause significant harm to me, including financial, emotional, and reputational damage. Should you fail to comply with this demand, I will have no choice but to take legal action against you to seek compensation for the damages incurred. Please be aware that the misuse of personal information can result in significant financial penalties, including a fine of {$250000.00} for each instance of unauthorized use. Considering the seriousness of this matter, I trust that you will give due consideration to my concerns and take immediate action to rectify the situation. Kindly provide a written response within fourteen ( 14 ) days from the date of this letter, confirming that you have ceased the unauthorized use of my personal information and will refrain from any further misconduct. Thank you for your immediate attention to this matter. I look forward to a prompt and satisfactory resolution. Should you require any additional information or have any further questions, please do not hesitate to contact me using the information provided above.
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| 04/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I ( XXXX XXXX ) am a victim of Identity Theft. I have experience tough and egregious hardships because someone has stolen my identity. I can not get credit anywhere. This has ruined my life. I lost my job last year and tried to refinance my house and car, I was told sorry, we can not help you. I filed a police report this year on ( XX/XX/XXXX ) ( report XXXX XXXX ) with ( XXXX ) Police Department. Ive also mailed in certified letters to XXXX. I received nothing. The thieves even went as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. Ive faxed all 3 bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter ( XXXX XXXX, consumer protection Law firm ( XXXX, FL ) He notice several instances where XXXX are in non-compliance with the FCRA. Im a victim but Im treated as if Im nothing. XXXX continues to report Fraudulent accounts and inquiries to my credit report and I want it to stop Immediately! Please note that I have already opted out of arbitration and have supporting documents and proof to support all my claims. I am sure that XXXX did not go through the original furnisher to verify these accounts are mine and they must do so under the FCRA.If they did verify, they would have realized immediately that I have no clue of these accounts and they do not belong to me. If XXXX fails to notify me that they will be reinserting an item on my credit report in writing FCRA ( A ) ( 5 ) ( B ) ( iii ) results in {$1000.00} fine. As XXXX has violated the FCRA.. XXXX has refused to removed fraudulent accounts after I provided proof. This is considered defamation of character and willful injury. under the FCRA section 623. I plan of taking full legal action if accounts are not removed by ( XXXX XXXX ) These individuals are all apart of our lawsuit and will be named individually in our case. The FCRA clearly states 4 days all fraudulent accounts will be removed. and they continue to report. We are seeking full damages We feel these individuals have not assisted in making sure their respective bureaus are in compliance 1.BULLCITY FINANCIAL SOL Original creditor : XXXX XXXX XXXX {$110.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX 2. XXXX XXXX XXXX Original creditor : XXXX XXXX {$75.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX {$450.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX XXXX
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| 04/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Consumer Financial Protection Bureau has now dropped the ball on this concern. Claiming that I am not the one disputing this account when I am the only one with access to my credit reporting login in credentials. My credentials have maintained the same and I am the only one working to fix the inaccuracies on my credit report. You sent me a letter closing my initial claim because you assumed I was using a credit repair company. That is false. I am doing my best to correct the errors you all continue to ignore. You use these tactics claiming you are not sure if I am disputing these accounts, making me call in to verify myself countless times and still failing to properly investigate my claims. I have been attempting to dispute this account that has caused me to lose housing opportunities and Job opportunities from reporting inaccurately. I have made several attempts to dispute this Debt with BULLCITY FINANCIAL ; as I HAVE NO KNOWLDEGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. When I request verification of this debt via writing my requests are ignored but BULLCITY FINANCIAL sends me a response letter asking to verify what they have on file when i have no knowledge of this account. However, on the handwritten letters they received from me it contained my first and last name and full address, the only response i should be receiving is one that has documentation showing and verifying this debt is mine. Which BULLCITY FINANCIAL Failed to do. This agency is still being allowed to report this frivolous debt with multiple inaccuracies. When I ask for proof of information used to investigate this account by the credit furnisher, my request is ignored but the account is continuously being updated as verified. I have retained all my documents from letters I've wrote physically to the original creditor XXXX XXXX and the current furnisher of the inaccurate information BULLCITY FINANICAL, disputing this debt sent via certified mail in which I never received a response. I have proof and or documentation of me writing all credit reporting agencies requesting information on how they verified this debt, that also went ignored. I have been disputing this account for years and the lack of research and negligence on the creditors and credit reporting agencies behalf are unbelievable. I have managed to get the account removed from one agency which is XXXX, but it remains on XXXX and XXXX. I can not understand how XXXX could not verify the debt was mine, but XXXX and XXXX were, however, can not provide method of verification used to validate this debt. PLEASE REMOVE THIS ACCOUNT FROM ALL XXXX AND XXXX AS IT CAN NOT BE VERIFIED AS MINE.
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| 04/02/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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We have requested multiple times through XXXX XXXX, XXXX and Bull Financial the validity of in item on my credit report without any proof or confirmation. We have disputed an item from Bull City Financial Solution # XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Phone # XXXX and have even called on a number of occasions and still no documented proof of this negative mark on my credit account. This item was place on my credit report on XX/XX/XXXX for {$110.00} and since then I have been denied credit ( s ) and has effected my right to credit etc. I have requested from all parties XXXX XXXX, Bull Financial, XXXX documented proof of such bill or to have it removed accordingly. I have stated that this bill is not mine as there was a XXXX XXXX residency issue where we received two bills as there were more than one resident showing on XXXX files for our legal address and then was corrected by XXXX XXXX but now it appears this issue/debt was passed onto us. As stated before we believe this is not our bill and have demanded/requested we see this bill / debt validity before paying from all parties with the account detail from the month we were in residency to the final month of residency to confirm this debt that we are disputing shows this valid amount and not just a rollover of this issue into our credit etc. Here are our contact listed : XXXX XXXX XXXX XXXX ( spoke to XXXX ) File Number : XXXX and reported XX/XX/XXXX and again XX/XX/XXXX first dispute and second dispute closure. As a result XXXX XXXX states they can only confirm the accuracy if Bull FinanciaXXXX states it is valid and not actually verifying the actual debt. This does not make a debt valid by verifying only one side without actually verifying the debt as we are the ones disputing this item and have the right to see a debt as valid before paying.
We also contacted XXXX XXXX XXXX and they stated they can not provide proof and must go through credit debtor Bull City Financial # XXXX for files confirmation.
We contacted Bull City Financial XXXX ( spoke to XXXX with no resolution and no evidence of said bill disputing ) as he states can not provide proof of such debt and we have waited since XX/XX/XXXX to today XX/XX/XXXX and have to receive any confirmation of said debt or proof of its validity and refuse to pay this debt without this proof as out rights to pay a debt is being violated and forced to pay an unknown debt or have it remain a negative mark on my credit report.
I am filing this report as none of the entities described above can provide proof nor remove from my credit report and attempting to bypass my right to confirm and pay or remove as an invalid debt.
|
| 09/28/2019 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Several weeks after a XXXX, a partner in the medical practice ( not the doctor who treated me ) called me and insisted I meet him in the ER. He then called my insurance company and insisted I needed " observation ''. I sat in the waiting room, without knowing why I was there, for several hours while he convinced the insurance company that I needed further care. He insisted I be admitted to the hospital where unneeded and XXXX XXXX tests were performed. One of the nurses told me that because I have XXXX in addition to my primary insurance, it didn't matter how long I stayed in the hospital. After they XXXX my XXXX several times during a botched and unnecessary procedure, I finally called a physician outside XXXX system who advised me to ask for a copy of my medical records. An attending nurse wrote the request on the white board in my room. When yet another doctor in the practice saw the note, she said " there's nothing wrong with you, is there? '' and she signed immediate release papers. The nurse literally threw my clothes on the hospital bed and told me to call them when I got home to ensure I arrived safely. Thus, I must have gone instantly from half dead to a get out of here and fend for yourself status. I have tried in vain to get a detailed account of the billing, but the hospital and the doctors have both refused the request. My understanding is that 8-10 departments in the hospital charged an Observation fee of $ 800-1000. The surgical group tried to file a false XXXX claim but it was rejected. The hospital has refused to file a claim with XXXX. They just want me to pay for this scam. A complaint to the hospital was buried by their Quality team and the representative there who was handling my complaint had a colleague call me to say she was too busy to talk to me. This is fraud, unfair and deceptive, and the greedy, inept doctor who did this is a danger to the public. Several people were assigned to look at various aspects of the complaint and one of them sent me a letter stating that the doctor in the practice who initially treated me agreed that everything went well and there was nothing wrong with me, so the big question is why did a random physician in the practice contact a patient he had never seen and fail, from the beginning, to respond to that patient 's repeated questions about what was wrong. Why hold a patient in the hospital with the intent of billing XXXX, then fail to actually file a XXXX claim -- no doubt it's because the patient called their bluff on the fraud. If the hospital has refused to participate in the billing fraud, the doctor who perpetrated the scam should pay the bill.
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| 09/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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Bull city financial debt collectors put a collection of {$1200.00} on my XXXX credit report. This debt was originally put on XXXX and was almost immediately removed from XXXX after I disputed it but remains on XXXX. I lived in florida and then later on moved out-of-state. When I was getting ready to move. I called the original creditor which was XXXX XXXX and asked them to terminate service At the service address because I was moving. They set up a date. I paid my remaining balance.
And When I moved I left a fowarding address. After this item was disputed and Removed from XXXX I noticed it was immediately put on to XXXX I called bull city financial. They were Extremely rude to me. I tried to explain to them that I had service disconnected and my final bill was in fact paid and that I did not owe this money. And could they please send something to me? Such as a verification letter, a summary of charges, something showing how this Amount came to be. They did send a validation out 30 days later. But that is absolutely not what I requested. And it didn't have any of the information on it That I ask them to provide. I also contacted XXXX
By phone as well as disputing this on the app several times with no success. I then proceed to call XXXX XXXX. The original creditor they transferred me to 4 different departments. And no one could help me. They stated that after 2 years, their systems were wiped clean. And they had no information on this account that could help me. So again, I reach out to bull city financial.
Several times with no success. Then I started emailing the help desk over At bull city financial several times they only responded once. Via email and stated that they sent me a validation letter. I then responded back to them by saying that that is not what I'm requesting and ask them if they could Please send me proof of these charges.
I haven't heard anything back so I sent another email asking the same thing. Several days has went by and still nothing. So now I feel that I'm being ignored.
The resolution that I'm seeking is if bull city, financial or XXXX XXXX can not provide the information that I'm requesting. And prove these charges to me that they say I owe As well as proved to me That service was in fact disconnected on the date that was set up when I made the original phone call. I know for a fact, my balance was paid and full before I left The state of Florida. I would like to see it removed from my XXXX Credit report and be prohibited from being put on my XXXX credit report and for that matter. Any of the three credit Reporting bureaus.
Thank you, XXXX XXXX
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| 10/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE!
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES!
Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX XXXX. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
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| 01/25/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I previously filed a complaint through the cfpb against this company for this and their response was Validation of the debt from the original creditor has been sent to the consumer at the address Bull City Financial Solutions has on file. Its been 5 days since my last communication with the company and I still have not received any documentation verifying that I own whatever debt they are trying to collect. According to 15 U.S. Code 1692g ( a ) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Congress Clearly STATES THAT YOU HAVE 5 DAYS TO SEND ALL THE INFORMATION SITED ABOVE TO ME ( PERSON ). It has been 5 days since last communication with collection agency. YOU HAVE VIOLATED THE 15 U.S. Code 1692g ( a ) by not being able to verify this debt in the time length given by congress. You have 10 Calendar days to request account deletion from all consumer reports for the account below Failure to respond satisfactorily with request for deletion of the above account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for 1. Defamation of Character 2. Negligent Non Compliance 3. Civil liability 4. XXXX XXXX 5. Fair Credit Reporting Act 15U.S.C 1681 violations for willful noncompliance [ 616 Civil liability for willful noncompliance [ 15U.S.C 1681n ]
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| 09/27/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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Once again, I claim extortion against bull city collections and XXXX XXXX these companies know I have paid my old XXXX XXXX bill off. The bill was in the address XXXX XXXX XXXX, XXXX, Ohio XXXX. The balance of the bill was {$170.00}. Anybody that has XXXX XXXX in their name know you can not obtain new service in your current new address if you have an outstanding bill with XXXX. Bull city collections is mad because XXXX receive payment without their services ...
Monies that were paid to XXXX well as XXXX not professionally contacting bull city collections. Either way none of its my concern. My business was with XXXX XXXX and I paid XXXX what I owed in order to get new service at the address I am contacting your agency from which is XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX, Ohio. XXXX.
XXXX is no better they refuse to accept black & white as well. XXXX be wrong with these companies setting out to ruin people lives when in fact we as consumers works too XXXX hard to get back on your feet credit worthy wise SERIOUSLY ; Please review the documents in the attached complaint. there was a payment made XXXX. XXXX XXXX credit billing offices can verify that payment had to be made in order for me to get service. XXXX billing offices sent current payment info to 2 credit bureaus XXXX and XXXX. Both XXXX and XXXX listed XXXX XXXX debit in the amount of {$170.00} ( Status PAID! ) Apparently, XXXX did not contact XXXX or Bull City Collections and if XXXX did indeed contact XXXX then its XXXX refusing as I mentioned above refuses to post current XXXX payment info on my credit report as paid.
XXXX and XXXX it shows on my credit report which is in black-and-white that this payment of XXXX was made bull city continues to try to extort money from me this needs to stop human air is divine when you have several people working on accounts things get twisted up and confused. I am so sick of this please get these monsters off my back! I paid the bill with XXXX XXXX make them remove that from my credit report I will keep fighting and not let these people know I may because Im working too hard to do better I will not tolerate please remove there are documents attached shows proof the payment was made. Creditors and collection agencies refuse to respect documents current documents this can not be allowed please contact these people with the necessary evidence tired of trying to talk to them as if I am blue in the face seriously!
|
| 08/21/2018 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I sent the following HIPAA letter to Bull City Financial Solutions : Dear Bull City Financial Solutions, After viewing a copy of my credit report, I noticed two collection account placed on my credit report from you in 2016. 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.
When they responded they did not supply me with validation but clearly stated verification. They highlighted numbers on the paper and showed proof that they had knowledge of what procedures I had done and on what dates with what provider. I believe this is a violation of my HIPAA rights and they should not have this information.
|
| 07/31/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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I was alerted by XXXX about a collection account placed on my credit report on XX/XX/XXXX ; again on XX/XX/XXXX ; and a third time on XX/XX/XXXX by Bull City Financial. I contacted Bull City Financial in XX/XX/XXXX and XX/XX/XXXX and asked them to search me by social security number, name and date of birth. Each time they said they did not have an account connected to my information. Bull City was able to find the medical account related to my credit report but claimed there was nothing they could do to remove it from my account. Bull City was also unwilling to provide me with a written document for me to provide to my mortgage company stating the debt on my credit report was in error which later prevented me from purchasing a home.
In XX/XX/XXXX, I found the Bull City Financial collection account still on my credit report. I called XXXX XXXX XXXX in North Carolina and spoke to a manager who said I " do not match the demographic information or date of birth provided to Bull City Financial so I have no idea why they would be targeting you. '' She said she would call them tomorrow as they were about to leave the office.
I called Bull City Financial on XX/XX/XXXX at XXXX CST and again at XXXX CST, I explained my conversation with XXXX XXXX and both representatives said there was nothing they could do and I would need to contest it with the credit agencies. I again asked for a letter simply stating they had no file attached to my identity for me to provide to my mortgager as we're again attempting to obtain a mortgage in Washington and was told their agency was unable to help me.
I later contacted XXXX to handle the matter further. The XXXX Fraud Specialist was able to resolve the issue within a matter of minutes based on the fact I was a XXXX XXXX in XXXX, WA at the time medical services were rendered in XX/XX/XXXX. The specialist was also able to determine the other person had the same first and last name as me but a different middle name and date of birth.
Bull City Financial 's errors and lack of professionalism cost me the ability to purchase a home once in XX/XX/XXXX and almost a second time in XX/XX/XXXX. Bull City Financial 's actions also negatively effected my credit report and caused unneeded emotional stress, as well as hours of lost time attempting to resolve the issue when I had a clear residential and employment history on the west coast of the United States.
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| 05/27/2016 |
Yes |
- Debt collection
- I do not know
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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not only have the debt collectors be argumentative they are providing false info using my personal info. Bull city has been notified by US mail and verbally that this debt is being disputed yet they refuse to provide me with a signed contractual agreement between XXXX XXXX and XXXX XXXX XXXX and they continue to report this alleged debt to the credit bureaus.
RE : CUSTOMER ACCOUNT- XXXX FOR XXXX XXXX XXXX XXXX REQUEST FOR VALIDATION OF DEBT Dear Fiduciary, Your claim was received alleging that I owe a debt to an original creditor named XXXX XXXX XXXX, now in collections with your organization under # XXXX. I am unaware of any contract creating an obligation or indebtedness to XXXX XXXX XXXX, or BULL CITY.
So that I may further assist you, I am requesting that you validate the debt. Validation differs from verification, whereas I am challenging the authenticity of debt you are attempting to collect. Provide me with a true copy of the authenticated contract with my signature at the address provided above.
NOTICE OF DISPUTE I am disputing the principle and any interest of the alleged debt obligation and I am disputing any outstanding balance owed by us. Please update the record with XXXX, XXXX, and XXXX that the principle, of this debt is in dispute. Please correct the records with XXXX, XXXX and XXXX to reflect that the principle is in dispute, as to SSN ending in XXXX, for XXXX XXXX XXXX XXXX. If you are unable to validate the information within 30 days, the account must be deleted. This debt is considered to be invalid until I receive the contract, requested at the addresses provided above.
Please note the following : 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 verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Sincerely : XXXX XXXX XXXX XXXX, Authorized Rep
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| 04/15/2022 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Starting back to 2016 I have medical debts added to my credit report from XXXX XXXX originating from XXXX XXXX have XXXX amounts of {$120.00}, Acharge for {$150.00}, XXXX charges of {$1800.00} seperate charges of {$200.00} dollars, The rest are down below BULL CITY FINANCIAL SOLUTIONS Opened XXXX {$200.00} XXXX XXXX XXXX XXXX Opened XXXX {$270.00} BULL CITY FINANCIAL SOLU Opened XXXX {$270.00} BULL CITY FINANCIAL SOLU Opened XXXX BULL CITY FINANCIAL XXXX Opened XXXX {$370.00} and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am not aware that there is a debt from XXXX XXXX, and unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to 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 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 may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
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| 09/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I have recently submitted a CFPB complaint against Bull City Financial Solutions. The responded with a generic blanket statement and the complaint was closed. Again, they are stating that i have an alleged debt with them in the amount of {$1100.00}.
I sent a debt validation letter requesting specific information to which they did not supply. I asked for not only proof that I owe them anything ( a contract/agreement with them with my wet-ink signature and a good or service i received from them. ) They did NOT produce such documentation. I requested in the validation letter as well that if they could not do so within the legal allotted amount of time that they cease with their collection efforts and immediately remove the their derogatory remarks from my consumer report. They have done neither.
In the XX/XX/XXXX CFPB complaint I listed all of the things that they were in violation of and I again requested immediate removal of their reporting to all three of the CRAs. Their response was conducive with the fact that they are in willful violation of the FDCPA, FCRA, and the Privacy Act of 1974. I've stated with them the laws and compliance matters with the Acts and they refuse to move on them.
They are in violation of 15 USC 1681 for the information in my consumer report provided by them, permissible purpose, and a blatant violation of compliance procedures.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Bull City Financial is in violation because they have not and can not prove, in fact, that I owe them anything. They have not produced any accounting ledgers, statements, or again, a contract or agreement with my wet signature binding me to them and a service or good I received from them.
12 CFR 1016.1 : they are again in willful violation because as stated in my debt validation letter as well as my last CFPB complaint, i asked to immediately be opted out of them reporting any information about my on my consumer report. I am NOT a customer of theirs and i DID NOT consent to them reporting anything in the first place.
So again, I request they they immediately remove reporting of me to any and all CRAs that they are reporting to. I demand to be opted out of it.
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| 06/15/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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This is my second time reaching out to the cfpb for help after case XXXX was closed with no resolution or explanation. Bull City Financial Solutions violated the FCRA with a debt they say I owe back in XXXX. The issue still exist, Bull city has not yet verified the debt they say I owe and is still reporting the information on my credit report. Back on XX/XX/XXXX I mailed a written letter asking for validation to a debt placed on my credit report, and Bull city financial solutions failed to validate the debt and provide appropriate documentation. All proof of this was uploaded with complaint XXXX filed on XX/XX/XXXX. The CFPB failed to investigate thoroughly and continued to allow the information to be reported.
Fast-forward to XXXX, I took it upon my self to try to settle this matter since I had been receiving no validation of the debt from bull city and no help from the CFPB. On XX/XX/XXXX I mailed a written letter once again, this time mentioning that bull city financial needs to validate my debt. The letter also mentioned that I did not believe the debt is mine but am willing to settle. A similar letter was mailed to Bull city financial on XX/XX/XXXX as well.
Both of my letters were received and ignored by bull city financial solutions.
My latest attempt to get validation from the company was me sending out yet again another debt validation letter. The letter was sent on XX/XX/XXXX and received on XX/XX/XXXX.
Bull city financial solutions have yet to respond with the appropriate documentations needed to validate a debt under the CFPBs new Debt Collection Rules. ( https : //www.consumerfinance.gov/about-us/blog/understand-how-cfpb-debt-collection-rule-impacts-you/ ) Bull city financial has failed repeatedly to provide : Name and mailing information of the debt collector.
Name of the creditor to whom the debt is owed.
Account number ( if any ) associated with the debt.
An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records.
The current amount of the debt as of when the validation notice is provided.
Information about your debt collection rights including how to dispute the debt.
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| 07/13/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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To Whom It May Concern : I have recently been informed that there is negative information reported in the files you maintain. I challenge the accuracy, compliance and reportability of ALL accounts I have with you at any or all bureaus. I have sent many disputes to this company and you have FAILED to provide me any signed agreement that I have with YOUR company, Bull City Financial. This is about proving I have a contract with YOU regarding the debt. What relationship have I agreed to with you for you to have the right to request these funds from me?
There is no valid claim, no contracts exist. You reporting that I owe you money is a grave error and you are making a false claim! I want this account removed immediately or litigation may follow. You should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy
of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay BULL CITY FINANCIAL the alleged amount that you are seeking in all accounts you have with me.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
BULL CITY FINANCIAL must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which you can not prove that I a
m REQUIRED to pay or that i have any sort of agreement with you concerning this debt. Please be advised this is against F.C.R.A. law and is a violation of my rights.. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking { {$1000.00} } per violation for : 1. ) Defamation 2. Fraud 3. ) Violations of the Fair Credit Reporting Act.
Also 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.
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| 10/31/2023 |
Yes |
- Debt collection
- Medical debt
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- Electronic communications
- You told them to stop contacting you, but they keep trying
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Web |
Servicemember |
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On XX/XX/2023 I received a debt collection bill from Bull City Financial Solution by email and a negative reporting on all three credit reports. I did not receive anything in the mail regarding this alleged debt that Bull City Financial Solution claim that I owe. I am letting Bull City Financial Solution know there claim has been disputed and I have no contractual agreement with them. 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 including a full accounting of allege account. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPPA ) 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 XXXX does allow the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and XXXX 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, through the Consumer Financial Protection Bureau, as a formal debt validation request, which I am allowed under FDCPA because you will 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 the above requested proof. Upon receiving it, I will correspond back by through certified mail return receipt. I would like to cease and desist ALL communication with Bull City Financial Solution. Sincerely, XXXX XXXX
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| 10/06/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2020, I pulled my credit reports to find a collection from BULLCITY FINANCIAL SOLUTIONS, in which I did not recognize, claiming that I owed a debt for a utility bill that went into collections. I then checked my report to see the original creditors information and reached out. The original creditor could not confirm that my information matched the information they had on file for the supposed debt. They stated that they had no accounts for me that were referred for collections and that there were no recorded files that reported a balance or previous balance on my accounts as I have not had an active account with them in over 10 years. With this information I sent out a debt validation request certified ( attached documents ), requesting debt validation documents be mailed to me within 30 days of receiving the debt validation request. This company never responded. I then attempted to contact the company directly via phone instead but was not able to get in touch with a representative. I reached out to the credit reporting agencies after the collection company failed to respond to my request and filed a dispute. XXXX deleted the account after conducting its investigation. However XXXX and XXXX stated the account had been verified. I requested a method of verification used by XXXX and XXXX to validate this debt, they failed to respond and only issued another investigation, that came back as verified and updated per previous investigation results. They didnt even attempt to reach out to the collection agency with the new found information. I then bought a service called XXXX, that accurately pulls all 3 credit reports and compare the information. The comparisons were inconsistent being the collection agency was reporting different information to different bureaus. The collection company will not validate the debt it claims I owe and I believe that its because it can not be validated as mine. This collection account is effecting my ability own a home, qualify for a better job at my current job and has caused me a lot of restless nights and worrisome days. I feel as if this company is taking advantage of me and is trying to force me to pay a debt that does not belong to me.
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| 03/03/2022 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I filed a compliant on XX/XX/XXXX against Bull City Solutions and they still failed to provide with proof of the debt that they insist that I owe. I thought the purpose of filing a complaint for them to prove that I was responsible for the debt. I was in violation of my HIPPA because at no time did they provide proof that I signed documentation with that company to have authorization to handle anything that pertains to my name. My compliant was closed with them not even providing proof and I thought this was the steps to resolve this issue. I am not responsible for this debt and they have yet to show proof. I have provided what I said and their response. It can not be as simple as them saying that they have information that I already requested now say simply they have documentation that they never provided. I want resolution to this issue. I want a document with my license and signature authorizing that I have a account with them. If they can not produce the requested information I want those accounts deleted from my credit reports with all agencies.
My initial response with compliant number and the responses Compliant number XXXX On XX/XX/XXXX, I sent a certified letter to Bull City Financial Solutions . The letter was a standard debt verification letter. I received a response via mail dated for XX/XX/XXXX. The response was a print out of a supposed bill/procedures. Attached in the letter was assuming doctor visits and lab procedures that were performed. This documentation is in violation of my HIPPA law. I did not authorize them to have any documentation of any of my medical history or anything relating to anything I may have done at my doctors office. They could not verify that this debt belongs to me.
Bull City Response : Bull City Financial Solutions has conducted research. Validation of the debt from the original creditor has been sent to the consumer at the address Bull City Financial Solutions has on file. Copies of her driver 's license off our clients system has been sent as further proof the debt belongs to her. Our Help Desk is available to assist consumers and may be reached directly via telephone at XXXX.
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| 01/24/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I received a letter from Bull City Financial services around XX/XX/XXXX stating their attempt to collect a debt from XXXX XXXX. I contacted Bull CIty Financial along with XXXX XXXX asking for a statement to substantiate the debt that was owed. According to my records, all amounts owed to XXXX XXXX were paid. XXXX XXXX as well as Bull City stated they would send me the supporting statement.
I submitted a dispute notice to Bull City along with a request to cease and desist any further action while this debt is being researched, this was confirmed by Bull City it was received on XXXX.
In XXXX I received a call from a supervisor at XXXX XXXX who advised she would research further and contact me back. I never received a call or a statement. On XX/XX/XXXX I received a letter from Bull City ( see attached ) that did not provide sufficient itemized information to answer my question of what this debt represents. Almost two years had passed and this was my first notification of an outstanding amount.
On XX/XX/XXXX I contacted Bull City Financial to confirm the cease and desist was received and to again, ask for more detailed information on the nature of this balance before it is paid. I was met with opposition and spoke with a collector by the name of XXXX who advised the " proof of debt '' I received was all I had to be provided. I requested to speak with a supervisor and was ignored and transferred/rerouted for over an hour.
At this time I sent a second cease and desist letter via certified mail to reiterate there has yet to be a statement provided for this debt., therefore I am still disputing because according to my records all debts were paid. This has since been reported to my credit report and has impacted my credit score.
I have spent hours on the phone with XXXX XXXX as well as Bull CIty, at one point I was advised by XXXX that they changed systems and was unsure of how to obtain the statement in question, yet, they reported me to a debt collector. Who has proven to be uncooperative and mentally abusive with giving me the runaround or mocking my request for more information.
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| 07/06/2018 |
No |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I am the mother of the patient, XXXX XXXX. He received services at the XXXX XXXX XXXXXXXX and never received the bill because the wrong address was used. The Collection Agency, Bull City Financial Solutions at XXXX XXXX XXXX, NC Tel XXXX was incredibly rude to me and tried to tell me that payments I made were not made to them and were paid instead to the XXXX XXXX XXXX XXXX XXXX, which they were not. I tried to get the bill from them to ascertain whether they were billing accurately, but they refused to give it to me. XXXX was the agent and she kept telling me to pay the bill and would not answer my requests for information. The name of the person I was speaking to was XXXX, and she just kept getting ruder throughout the call. So I asked for a supervisor. She tried to pass me off to a friend, but I insisted on a supervisor. She said they were not there and said they would call me back. They never did. I called and tried to talk to the supervisor again, and again the person who answered was incredibly rude. I finally got through to a supervisor ( XXXX ) who told me she never got a message to call and said the record showed I was sent to a supervisor voice mail, which never happened. I then tried to get her to give me the information, but she refused citing HIPPA. I am an attorney and had my son the patient on the phone giving permission to give my records. She kept interrupting me and was incredibly rude and would not give me the information. I had already made payments which were not reflected and they changed the story so many times through the two calls that I can not get them to give me any accurate information. She was so incredibly rude and finally disconnected the call when I insisted on getting the information to show that the amounts were owed and to show the payments made. They are attempting to collect amounts not owed and are refusing to recognize payments that were made. Please help me hold these people accountable for their horrible treatment. I have never refused to pay a bill but I am owed the courtesy of knowing what the charges are for.
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| 06/15/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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On XX/XX/2019 I noticed a debt collection from Bull City Financial Solution on all three credit reports. I did not receive anything in the mail regarding this alleged debt that Bull City Financial Solution claim that I owe. I am letting Bull City Financial Solution know there claim has been disputed and I have no contractual agreement with them. 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 ( HIPPA ) 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 HIPPA does allow the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPPA 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, through the Consumer Financial Protection Bureau, as a formal debt validation request, which I am allowed under FDCPA because you will 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 the above requested proof. Upon receiving it, I will correspond back by through certified mail return receipt. Sincerely, XXXX XXXX
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| 06/29/2017 |
Yes |
- Debt collection
- Medical debt
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- Communication tactics
- Frequent or repeated calls
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Web |
Servicemember |
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Received bills from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) on a procedure that my son had in XX/XX/XXXX. It takes sometimes 4 months to go through my insurance XXXX before they pay and then i get billed. I did not start receiving bills until toward the end of XX/XX/XXXX. When i received the bills i sent in a payment with a letter stating that i could only pay {$10.00} a month towards these bills at this time which the payments i sent in were for around $ 20ish dollars. They called and said i had to pay more than {$10.00} a month or they would turn me into collections. I told them to do what they needed to do but they can not bully me in to paying more than what i can afford. They still cashed my check and is turned me into collections. Collection agency called me. I told them i have been making payments. Not what they want but what i can afford. I have other medical that i am paying on in addition to my own medical needs. Bull City Collection Agency called today wanting to know if i could pay them off. Then asked for my son date of birth and was like so he is XXXX. He is not XXXX he is only XXXX. Like they are going to go after my minor child for a bill that i am responsible for and i am making payments on. So i called XXXX XXXX XXXX back and said if you want paid pull this account out of collections. I feel like Bull City asking if my son is XXXX like they are going to try and go after my son. i told Bull City i am making payments on these accounts. They are ridiculous. My husband is a XXXX veteran. We do our best and can only pay what we can pay and i pay the medical. I never hid from the companies. i tried calling and making arrangements. They are wasting their money on collections agencies when im not going to give them any more than what i was and able to give. So my reward for paying what i can is it to affect my credit report negatively. Considering that i did not receive the final bills after my insurance paid until towards the end of XX/XX/XXXX and i still made a payment of what i could afford at that time.
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| 02/24/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I formerly had electric service with XXXXXX/XX/XXXXuntil the week of XX/XX/2019. At that time, my lease was up, my landlord needed the rental property back, and I moved out on a very short notice. When I was moving, I contacted XXXX XXXX, I requested a disconnect, and I was told it would be turned off within 24-48 hours and a final meter would be read, and if the amount was more than my deposit I would have a final bill. I notified the landlord, and he told me he would call XXXXXX/XX/XXXXbecause he had family members moving into the home the same weekend. Skip forward two years, and I get hit with a debt collection for {$1900.00}. I contacted the debt collector, Bullcity financial, and contacted XXXX XXXX. Both businesses pushed it off onto each other. Per Bullcity, I needed to file an identity theft report, and a police report, so I did. I submitted proof of this, along with my ID, proof of residence, proof of not living in that home, proof of my new lease and bills with my new address, etc. Come to find out, XXXX XXXX did not disconnect power in my name, and somehow left in on for 3 months with no payments. The new tenants used the electric in my name, knew they were not paying an electric bill, and wracked up a bill that I received no notice about. I have contacted XXXX XXXX at least 10 times, spoken with supervisors, with their fraud dept, etc. I have been told that I have to submit proof that I called them two years ago. Which is nonsense. I do not have the same phone number, I can not access phone records from two years ago, and even without being able to prove when I called them for disconnect, they can easily prove when I left the home, when someone else moved in, etc.The landlord also spoke with XXXX XXXX when the new tenant needed service in their name, and had to verify when they moved in due to the outstanding bill at that address, and they still never put the charges on the new tenant. They will not remove this from my credit, and it is affecting my ability to purchase a home.
|
| 04/22/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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-Last year I discovered a derogatory mark in the form of a missed payment for a medical bill I was not aware of.
XXXX XXXX had incorrectly coded an appointment that should have been filed as a preventative appointment which XXXX confirmed as something that should have been fully covered under my student health insurance plan.
-Both XXXX XXXX and XXXX at this point confirmed over the phone that this bill was incorrect but that the bill had been sent to Bull City Financial Solutions .
-I disputed the bill with Bull City Financial Solutions and disputed the debt collection through XXXX XXXX ; however, I was surprised to find the debt collection still outstanding on a recent credit check.
-Upon speaking with Bull City Financial Solutions over the phone, they had recognized errors with the account but were unwilling to change anything.
-On XX/XX/2019, I sent a letter through certified mail agreeing to pay the debt in full ONLY if they agreed to send a letter that would remove the debt from the reporting credit bureaus upon my payment. Within this letter, I explicitly stated the debt is not mine and that this notice was not a guarantee of payment unless those conditions previously stated had been met.
-I called Bull City Financial Solutions again on XX/XX/2019, upon receiving no response or notification of receipt in regards to my letter. They told me Bull City could not send a letter or any written notification back to me and that I would have to take " their word for things '' after I pay the debt.
-In summary, Bull City Financial Solutions reported a debt to the credit agencies without my knowledge, told me false information repeatedly, admitted to errors on the specific account, and has largely been negligent in their handling of the account even after my willingness to pay for a debt that should have never existed in the first place. Additionally, Bull City Financial Solutions is now demanding more money for the debt collection than the original bill.
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| 11/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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There is a debt that keeps being re sold and transferred to various Collection agencies from XXXX XXXX in North Carolina in the amount of {$280.00}. I Do Not owe this debt and have had it removed from my Credit report on several occasions only to be re-added by another Collection company and the time it is Bullcity Financial.
They are claiming that I owe money from a 2018 power bill which is false because I sold my home in XXXX, NC in XX/XX/2018 and my final power bill was paid directly from the deposit of {$300.00} that the power company held since I opened that account. I had spoken to a XXXX XXXX representative about this before I sold my property and moved and it was confirmed that I owed nothing to them.
Bullcity Financial is nearly impossible to reach as were the other companies and they are the third or fourth company whom this debt was transferred to and I need it completely removed from my credit report. I requested that they transfer it back to XXXX XXXX so I can XXXX it out with them directly since these third party collectors just buy accounts and stalk us consumers endlessly and illegally in many cases where they simply move the erroneous debt under another Collection Agency name and have it added back to my Report so we are perpetually fighting the same debt over and over until we cave in and pay them just to get rid of them.
Please help me remove this I have been writing letters and removing myself for over 2.5 years now with no resolution. If I owed {$280.00} I would gladly pay it as I am not one to skip out on my bills or obligations but this is utter nonsense and ridiculous to keep stalking me when it has been removed from my Credit reports on several occasions. I feel what these Collection agencies do to us consumers is criminal in many cases and we need to be protected as consumers.
I am so grateful for all of your help and thankful to have an agency like Consumer Finance around to help us in times like these.
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| 09/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated shouldn't respond to lawsuit
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Web |
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I have been defending this money they are trying to collect, XX/XX/XXXX. I spend XXXX of ours to keep them from reporting falls report repeatedly for amount that has been removed luck of verification many times from the XXXX credit bureau. last year i file a complaint against and ... Bull City located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. My case went on till XX/XX/XXXX ; My complaint to this agency did n't stop Bullcity from getting my score information from credit bureau, which is illegal for them to do, it is against FTC law, they did't care, so any time they found out my score going up, they report it back, an amount that once and many times removed by changing the date of the report or slightly the amount.
On XX/XX/XXXX negative report was reported as new complaint, even though, it was from XX/XX/XXXX, XXXX amount was reported two times to do more damage to my credit history. This is the same amount and case filed complaint to this organization XXXX XXXX XXXX last year. I spent hours of my time seeking solution, there was non, it seems this collection department has a license to harass and rune innocent citizens life.If any body is out there similar problem with this collection agency please contact the FTC as soon as possible.
I tried to use the 90 day freeze policy by the credit bureau for fraudulent report, They wait till flag time collapse, they use, affiliated collection companies to enquire about my score and credit history first, my score is high they foudout, then they report it as new, for the intention to reduce my score. It became personal, they are working for third party an enemy who is known to me, to create problems around me. I do believe they are hired.
Without the help XXXX, they will not have a chance to violate my rights, by law credit bureau should n't report an item once disputed and removed many times, but they did.
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| 09/29/2017 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I visited XXXX XXXX XXXX on XXXX/XXXX/XXXX and paid my co-pay at the time of service ( see attachment ). It was {$50.00} for a specialist visit and that is not in dispute. This was not submitted to my insurance company by them until the following year in XXXX of XXXX. In the meantime XXXX XXXX XXXX provider ) changed entity names and billing systems at the end of the calendar year XXXX ( or so I was told by their representative ). My employer based insurance changed to XXXX in mid XXXX XXXX when my employment ended. There is no dispute with the insurance carrier XXXX XXXX XXXX
I was billed again for the same visit in XXXX XXXX which I mistakenly paid, then realized my error when my Explanation of Benefits ( EOB ) did not add up to XXXX XXXX billing. They continued billing me the {$50.00} charge for this service date until I contacted them in XXXX ( see attachment ) and explained I had paid this twice and it was not being correctly applied. Eventually in XXXX XXXX they found the payment had been misapplied and ultimately credited me the {$50.00} owed back. I thought this issue was resolved.
Then yesterday I receive a Credit Collectors notice ( see attachment ) for payment of this same bill for that service date. I have contacted XXXX XXXX again today and they said it was misapplied and would attempt to correct their records. I have no faith in their ability to resolve this without monitoring/enforcement by appropriate agencies such as CFPB. This has resulted in me spending many hours to resolve their billing problem and no assurance it really is resolved. I 've requested a detailed billing from them on payments/bills from the XXXX qtr of XXXX through XXXX qtr of XXXX. But I had done this before earlier this year evidently to no avail. Please follow up with them to help me resolve this issue completely. Thank you!
|
| 11/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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ACCOUNT NAME : BULL CITY FINANCIAL SOLUTIONS ACCOUNT NUMBERXXXX ACCOUNT TYPE : COLLECTION DATE XXXX XXXX BALANCE XXXX ORIGINAL CREDITOR : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX Disputed this Account and the debt wasnt validated or corrected. I never gave them permission to furnish any information about any alleged transactions which is invasion of privacy pursuant to 15 usc 6802, Also I never received the reinvestigation details to confirm investigation. I never received any agreement with my signature saying I agree to this debt. And see 15 U.S. Code 1666b - Timing of payments which shows direct violations of my rights Also I am aware thats I am the consumer original creditor and my credit card ( social security card/certificate of indebtedness was used and Im aware that canceled debt would be reported on a Form 1099-C as it is considered income and might be taxable so how can it be a debt. See 15 usc1681EB where it prescribes maximum accuracy on consumer reports which is proof of violations. Their are laws which protect me the consumer and penalties for violations 42 U.S. Code 408 - Penalties which is another violation by falsely misleading and representing and attempting to assign collect or enforce an in fact frivolous fraudulent and false debt which is a obligation of the United States pursuant to 31 U.S. Code 3123 and also see 18 usc 8. Also article 1 section 10 Clause 1 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility so what would be my options to repay this alleged debt?
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| 05/08/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This is my third attempt to get some verifiable information that this debt belongs to me. I have previously disputed this debt as fraudulent as I have no knowledge of this account.
When request verification BULLCITY claims to be sending the verification documents to the address on file of the debt however they know I will never receive those documents because I have never lived at the address for which said debt is being claimed.
BULLCITY is able to send the debt verification documents requested to the return address on the handwritten dispute I sent multiple times however they have failed to deliver me documents that verify this debt legally belongs to me. THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT FILES FOR FRAUD AND INACCURACIES.
BULLCITY has over the course of many dispute requesting for verification of the debt because it is fraudulent and or does not belong to me however continue to reage this account knowingly reporting inaccurirs. I have never admitted that this debt is mine and have only asked for verification proving the debt belongs to my yet BULLCITY continues to change the date of last activity reaching the account even tho it is fraudulent. I am In BULLCITY a response they stated that I could file a police report to have the item removed however filing a police report is not an option because I do not have enough information on the debt or who could have possibly committed the fraud. However I spoke with a credit agency representative who said a second option would be to file a claim with CFPB. I am running out of options as this is stopping me from opportunities that could enhance my life.
Delete this account for it is fraud.and provide your verification documents used to determine the debt is mine via your response to this complaint.
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| 07/01/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On XX/XX/18 I went to XXXX XXXX Virginia hospital East emergency room for XXXX XXXX pain. Mind you, I was diagnosed 2 days prior to this visit on XX/XX/18 with XXXX XXXX from XXXX XXXX XXXX hospital in XXXX VA.
Long story short, I did not have health insurance at this time and applied for financial aid help while I was waiting to be seen, I spent 10 hours in the emergency room where I NEVER saw the actual physician only his assistants who told me I had 3 large XXXX XXXX, I asked more than once for confirmation of the size and location only to be told there was actually only 1.
From there I was told I was unable to receive any pain medication due to the rising opioid epidemic in Virginia. The other nurse who was working with me said that she was sorry and she knew I was in pain and would try to help get me some relief but the nurse refused.
I left with THE WRONG DIAGNOSIS OF XXXX including feeling ashamed/ embarassed of myself because I was being stereotyped as a XXXX XXXX and thought that I had done something wrong when I clearly had excruciating pain from XXXX XXXX.
I then received a bill of almost {$6500.00} that I wrote a letter to dispute which was denied and then I waited apparently too long to pay them and I received a warrant in debt letter and then set up a {$170.00} payment plan dos they wouldn't garnish my wages and this has really affected my life finically.
I'm writing you to ask that review the enclosed example dispute letter from a company I had asked to help me further dispute this bill. I did not have the funds available to hire them to represent me but I was given the sample letter. Please let me know if you think that you can help me further dispute this bill or if you can point me in the right direction of someone who can.
|
| 11/02/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Please have a senior XXXX from your company certify under the penalty of perjury that I received goods or services. I write to dispute certain information in my file resulting from items that I did not consent to authorize nor benefit from I recently became aware of. Please REMOVE this information no more than 4 days after receiving this letter as required from the law in the FCRA.15 U.S Code 1681c-2- Block of information resulting from identity theft. ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Failure to comply to request 15 U.S 1681o Civil liability for negligent noncompliance ( a ) In general any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case if any successful action to enforce liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
The dispute items Bullcity Financial solutions The accounts have been reported to my credit profile due to an act of fraud ; I do not own this account.
|
| 08/01/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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Developed XXXX XXXX in XXXX. Went to see XXXX XXXX XXXX, XXXX who referred me to XXXX XXXX on XX/XX/XXXX. I met with XXXX XXXX XXXX, XXXX on XX/XX/XXXX. At this time an appointment for XXXX was scheduled for XX/XX/XXXX. There was plenty of time to get pre-authorization and give me heads up. I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't want to mention that I was sent home the very next day after XXXX XXXX. They XXXX me home the XX/XX/XXXX. XXXX had my insurance information since the referral. I was billed for visits and paid copayments prior to XXXX. I didn't receive a letter from XXXX until XXXX XXXX, XXXX informing me that I had an outstanding bill of {$32000.00}. Then later I was informed of a bill of over {$8000.00}. I was not informed prior to XXXX that my insurance would not cover the cost of the XXXX. XXXX forwarded my to Bull City Financial Solutions , Inc . I have been sending {$30.00} a month since I was informed for both accounts. I can only give this about at this time. I explained this to Bull City Financials also let them know I am in a payment plan with XXXX XXXX XXXX XXXX XXXX XXXX for {$100.00} a month. That does not include the other medical bills being paid to XXXX XXXX XXXX XXXX XXXX XXXX. My complaint is that I was not informed that I would have to pay this amount of money prior to my XXXX so that I could make other arrangement prior to XXXX and possibly put the XXXX off until another time. I have compiled numerous documents regarding this situation. Is there any way I could receive any help with this situation? Thanks in advance for all your help and consideration.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 03/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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XXXX XXXX has obtained a supposedly charge off from XXXX XXXX. I lived briefly in XXXX XXXX North Carolina with some room mates, when I moved to care for my father. Last year I noticed that there was an account opened in my name. I have disputed this and I have spoken with XXXX XXXX to try to remove this. I have had my information stolen and I have had numerous security breaches in my accounts. I have fought this for well over a year and it is still not removed through XXXX. Also, on my XXXX report is a Bull City Financial from XXXX XXXX, that has been turned over. I never had electric service in my name with XXXX XXXX. I have also tried to dispute it. I can not log into my XXXX to dispute due to the ignorant security questions it is asking from 10 years ago, like what was my phone number or how much a payment is on a loan I never had. This is due to fraudulent activity that has occurred. Also my information was breached through XXXX, and these said items I am speaking of happened around the same time. Coincidence or not ; I cant help but to believe my information was sold and/or used in some way. And I can not dispute the credit inquiries that are on my credit report, which is totally unacceptable. These things stay on your report for at least 2 years. Some of the inquiries I have never authorized. The whole credit scoring is messed up. You should not have to be penalized for a credit inquiry. Hospital bills should not appear on your credit report. And you shouldnt have to wait 7 years for something to come off your credit report. Bad things happen to good people, but 7 years is a long time to try to get good rates on loans or insurance, even after the bad time passes and you are back on track.
|
| 09/28/2017 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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On XXXX XXXX/XXXX, I received notification from my credit alert company stating that a collection has been added from Bull City Financial in the amount of {$120.00}. I called them immediately with the intent to pay ; but I was confused as to why I received this collection without getting proper notification. I have not received a letter or phone call. They told me it was from date of service XX/XX/XXXX. the said they began collection activities on XXXX/XXXX. I AGAIN explained that I have no knowledge of this account. I explained to them that I have health insurance and I thought the amount was covered. I overly explained that I did not receive notification of this debt. My initial reason to call was pay the debt ; and to have them remove the debt after its been paid. They said that they could not remove the debt from my credit file because of a debt from XXXX. I explained to Bull City Financial XXXX that I can not review or confirm the XXXX debt because its not on my credit file and I have no knowledge of it being listed on my credit report. However, I can confirmed the latest debt of {$120.00}. I explained to them I can not verify the debt from XXXX nor can they hold this debt from 11 years ago over my head. They hung up on me ; called XXXX XXXX XXXX billing department to have them walk me through this process ; they asked me to call the collections agency. I called back to Bull City Financial again and they said the same thing ; this time, the representative told me that I had the pay the old balance AND the new balance. I explained to him again ; that I can not verify the old balance. They refused to help me ; so I reached out to you for help.
|
| 12/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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Many concerns : A collection company representing XXXX XXXX XXXX XXXX XXXX keep calling me with information that an account ( s ) were open in my maiden name ( XXXX ) a few years ago. I have asked for this information and reported as inacurate and incorrect. This is not my debt. They harrass me day in and day out over this XXXX XXXX XXXX keeps asking for more money representing XXXX XXXX. I have paid balances and they keep calling with new balances This was already paid for.
Bull City Financial representing XXXX XXXX which was paid XX/XX/2022 in full but never removed from credit reporting from collection agency as promised.
XXXX XXXX - XXXX which was paid in full a long time ago and disputed transaction from a companty called two men and a truck. I have no knowledge of but they keep calling me to pay.
XXXX XXXX stating I owe a balance {$4200.00} which was paid in full XX/XX/2022 and I have received a paid in full letter numerous times and a title to the item purchased, stating im the sole owner. I keep calling them to remove the debt from my credit and all they do is apologize for the error.
XXXX XXXX- I have TWO credit accounts from XXXX XXXX AND XXXX since XX/XX/2022 but they are not reflecting on my credit as on time payments or ownership on these credit accounts. I call them to confirm they are reporting to the credit companies but nothing happens. They keep saying its an error.
I call to remove closed accounts from my credit but those companies do not anything.
I also wanted the hard inquires and bankruptcy removed but when i call the reporting agency they just put me on hold and nothing happens.
|
| 07/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I recently checked my credit report to find a fraud collection account reported for {$110.00}, opened XX/XX/, with the original creditor as XXXX XXXX, from Bull City Financial Solutions , Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX, phone number XXXX. I called this company and a man by the name of XXXX answered. He stated, after asking me for the last 4 of my SS # and birthday and name, that he has no account listed for me. I then called XXXX XXXX, they stated they have no account ever listed under my name or personal info either. I called Bull City back a second time. The same man, XXXX answered. I proceeded to ask him for documentation to be emailed or mailed to my home stating, on letter head, that he or the company has no information or an account for me. He refused to do so then proceeded to ask me for my husbands birthday, name and last 4 of his SS #. I hung up on him. I called the same company back a third time to see if someone different would answer to verify my suspicion that this man is scamming me and others. XXXX answered again, I hung up. I have called XXXX XXXX for a second time and they are sending me, via email, an affidavit to fill out and stated once that is completed to file a police report. I have also called all 3 credit agencies to file a fraud claim and dispute this collection attempt. I have researched Bull City Financial Solutions , Inc. on XXXX and there are many complaints for this man/company trying to get money from innocent people by filing a collection report on their credit report. This man/company is scamming people out money for his own benefit. This is theft.
|
| 11/27/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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I am writing to bring to your attention a matter concerning Bull City Financials and the challenges I have faced in negotiating a debt settlement with them.
In light of the financial difficulties I experienced during the XXXX pandemic and as of current, I found myself unable to keep up with various bills, resulting in a debt of {$1500.00} owed to Bull City Financials. Understanding my financial limitations, I approached Bull City Financials with a request to negotiate a more feasible arrangement for repayment.
Regrettably, my request for a new debt negotiation was rejected by Bull City Financials, despite my genuine efforts to reach a mutually agreeable resolution. This denial has left me in a precarious situation, with the debt amount of {$1500.00} continuing to pose a considerable burden on my financial well-being.
I wish to express my concerns regarding the practices of Bull City Financials and their unwillingness to work with me during this challenging time. I believe that a more reasonable and compassionate approach to debt negotiation is essential, especially considering the extraordinary circumstances that led to my financial hardship.
I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter and assess the fairness of Bull City Financials ' actions. I believe that a transparent and impartial review will shed light on the circumstances surrounding my debt situation and potentially lead to a more equitable resolution.
I appreciate your attention to this matter and look forward to any assistance you can provide in ensuring a fair and just outcome.
|
| 10/06/2023 |
Yes |
- Debt or credit management
- Debt settlement
|
- Problem with customer service
|
|
Web |
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Bull City Collection Agency has placed a claim against my credit report ( XXXX XXXX XXXX XXXX ) for not making payment to XXXX XXXX in XXXX XXXX. I found this out as I was trying to buy a new vehicle and was declined the loan due to poor credit - my credit has declined from XXXX to XXXX I called Bull City Collection to find out more and they provided me with an account number, I called XXXX XXXX to find out why they placed a claim against me, they ( XXXX XXXX ) told me the account number I provided does not match my personal information.
Again I called Bull City collection Back and informed them of the account number not being associated with my personal info or social. Bull City hung up on me and putting me on hold for XXXX.
Having access to 2 phones I was able to get both Bull City Collection and XXXX XXXX on speaker talking to each other, XXXX from XXXX XXXX was very helpful in confirming account number provided in Bull City Collection claim did not match my personal info nor social Bull City Collection still has not removed this claim from the credit bureau and is refusing, as they claim only XXXX XXXX can reverse this claim. Conversely XXXX XXXX responded with : the claim has been submitted ( to a different person ) and unfortunately we don't have the option to undo anything I have proof of my own utility bills going as far back as XXXX which I will be attaching to this submission - The system is failing when its so easy to put claims on one 's credit report without even notifying them, yet its near impossible to reverse even though both parties agree they have the wrong identity on file
|
| 07/18/2018 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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On XX/XX/2018 i sent a certified letter thru USPS to BullCity Financial Solutions XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX requesting validation of an alleged debt in the amount of {$1100.00} that they are reporting on my credit profile. The certified letter was received on XX/XX/2018 at their reception desk per USPS tracking number XXXX and as of today XX/XX/2018 I have not received the requested information and the derogatory item still remains on my credit report. I have disputed this invalid item several times as it is not my account, and it's erroneous reporting to the Credit Bureau { s }, has a highly negative impact on my personal credit report and is affecting my credit worthiness. I understand that pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }, i have the right to dispute their claim and request validation of the alleged debt. I also understand that under law they have 30 days from receipt of the letter to verify this item, and that failure to do so within the 30-day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). Attached is a copy of the letter that i sent to BullCity Financial SolutionXXXX requesting the information that I'm entitled to which I've never received and this along with the inaccurate reporting to my credit file is a direct violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and defamation of character. I am demanding that this negative item be removed and stop reporting to the Credit Bureau { s } immediately.
|
| 07/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
Bull City collection purchased a so calledDebt from XXXX XXXX and has never contacted me but has put the into my credit report listing a recent date as the date of the the debt. He has also listed a made up amount for this debt of more than {$600.00}. First this would have been more than 4 years ago.
As I have not had electric in my name for over 4 years. Secondly XXXX XXXX would never have allowed us to have a balance that high. We did n't even heat with electric ... it was propane. I recall making a final payment for a partial month when we moved at the time I called them to have it turned off. I tried to get a copy of that from my bank but they had already archived it & said it was not retrieveable. I am XXXX years old & have worked real hard on my credit because I live with my son & his wife & XXXX kids & we were trying to get a loan to buy a house ( size of our family causes us problems finding one we can afford & is large enough ). We had signed a contract on a house that was accepted & we were waiting to close. Then when they checked my credit again the Bull City. collection was on there. We lost the House. We now live in a XXXX in XXXX, KY infested with mice and roaches. We pay $ XXXX for this. This is not fair. I filed bankruptcy over 7 years ago when I lost my house of 34 years in the XXXX XXXX melt down. The only negative thing on my credit is that XXXX XXXX report which is wrong. I have XXXX credit cards XXXX of which I paid off. I have never once been late on any of them. I do n't know what is going to become of us. Please help me.
|
| 01/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
XXXX XXXX XXXX / XXXX XXXX XXXX XXXX and other XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and other XXXX XXXX XXXXXXXX XXXX XXXX and other Over the last several months I have contacted the above mentioned companies to let them know I have been service connected XXXX and has had consistent medical coverage since the 80 's without interruption. I also contacted VA to verify this was accurate and indeed it was. Additionally I told the companies that had ambulance bills, that some of the hospital bills had been paid for further proof that he should not have any medical debt. I explained what I was told and that they had 6 years to file the claims and gave the persons phone number extension and permission to speak to the VA to resolve the issue and the companies that bought this alleged and unverified debt and after contacting the VA contact and not one made any effort to resolve the issue. Every time I have called all they want to know is if I will be paying with Visa or master card and when given the information to have the issue resolved if in fact it could be proved to even be my debt. I want the bills removed from my credit because I have made multiple efforts to try to resolve this issue and do not believe the debt is mine because I have had 100 percent medical coverage for decades. I should not be penalized for someone's inability to file insurance claims or debtors who can not prove debt and also will not do what is needed to resolve alleged debt. Since they made no effort to contact the VA I have no doubt the debt is not mine.
|
| 02/24/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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On XX/XX/XXXX I sent a certified letter thru USPS to BullCity Financial requesting validation of an alleged debt in the amount of { {$300.00} } that they are reporting on my credit profile. The certified letter was received on XX/XX/XXXX, at XXXX XXXX USPS tracking number XXXX and as of today XX/XX/XXXX I have not received the requested information and the derogatory item still remains on my credit reports. I have disputed this invalid item several times as it is not my account, and it's erroneous reporting to the Credit Bureau { s }, has a highly negative impact on my personal credit report and is affecting my creditworthiness. I understand that pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }, I have the right to dispute their claim and request validation of the alleged debt. I also understand that under the law they had 30 days from receipt of the letter to verify this item and that failure to do so within the 30-day period constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). Attached is a copy of the letter that I sent to BullCity Financial Solutions requesting the information that I'm entitled to which I've never received and this along with the inaccurate reporting to my credit file is a direct violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and defamation of character. I am demanding that this negative item be removed and stop reporting to the Credit Bureau { s } immediately.
|
| 04/13/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I had no idea that I had a hospital bill from XXXX XXXX reporting on my credit report until my bank pulled my credit. My father and I share the same exact name address and he is normally ill at times and has to go to hospitals, etc. Not me!
I contacted the Bullcity Financial of XXXX, NC by phone and they lied by stating that they " represent XXXX XXXX '' and was collecting for a bill. They also proceeded to tell me that they have all of the information that they needed. And that I could not pay a settlement amount because XXXX will not allow it. I contacted XXXX prior to this on a separate issue and they explained that they have no knowledge of how accounts get collected on except in house, payments to their financial department and that they do not have a contract with Bullcity Financial Solutions , Inc. to collect on patient accounts. Bullcity Financial continuously spread lies to consumers about this over and over.
They also stated that they had validated it with a itemized statement which I never received or had any knowledge of... I ask several times where did they gave the info and how did they verify my identity. XXXX proceeded to cut me off and hang-up on me. He was not willing to explain or send info showing that the medical account was properly verified nor was he willing to accept a payment less than what he claimed was owed. The claim that it was a bill from 2019 which was during the pandemic which further negates the fact that no one should be in collections at this point due to executive orders.
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| 04/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I noticed that a bill city collection was on my credit account. The original debt holder was a power company who stated that I had power with them in Indiana. Ive never lived in Indiana. Bill City informed me of all the documents that I needed to provide to them to verify it wasnt me. I sent them a police report that I filled regarding the identity theft, my lease agreement with my apartment complex during the time period of the power bill, my identification, and the information I had to complete with the identify thrift website. After doing all of this the account was removed from my credit report. I check my credit report Thursday XXXX XXXX because I received an alert that I new collection had been added to my account. Bill City had put the collection back on my credit. I called the em and the lady stated that she seen the paperwork and that it had been removed and then placed back on but the original best collect told them to place it back onto my credit report and that I needed to call them. I know that once a debt is sold to a collection agency the original collect doesnt have anything to do with it. She insisted that I call and they told me the same thing that they didnt tell them to put it back in my credit report that they sold it to them and had no say so. She stated that she would escalate my call to upper management to see what can be done to fix the issue. I still havent heard back from neither party and the negative account is affecting my credit and I need it to be resolved once again.
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| 03/29/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I visted XXXX Physicians in XX/XX/XXXX for treatment due to my medical condition. At the time, I was insure with medicaid when treatment was provided. Three months later I received a bill from XXXX stating that I owed {$210.00}. When I contacted XXXX I was told that my insurance didn't cover my treatment and that this bill was now in collections. I then contacted medicaid who confirmed that the treatment was denied because XXXX submitted the wrong paperwork. The representative instructed me to contact XXXX and tell them to either contact them or resubmit the paperwork and that they would glady take care of it. So I contacted XXXX and explain to them that they must contact medicaid and resubmit the paperwork. The lady I spoke with informed me that they do not speak with insurance companies but I can contact the insurance company myself and we can all talk three way, which I did. All three of us were on the phone, a medicaid representative, XXXX billing department and myself, when medicaid told XXXX to resubmit the paperwork. The gentleman informed them that they have submitted the paperwork twice but will try again. On XX/XX/XXXX, a collection was added to credit report from Bull City Financial stating that I owe a debt from XXXX Physicians in the amount of {$210.00}. I want this debt removed from my credit report because I feel it should not be there. If the two companies just communicate with each other this could have been settled months ago. The last 4 digits of my SSN # XXXX.
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| 02/24/2021 |
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
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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Bull City Financial claims that I owe them {$170.00} for an account that they bought from XXXX XXXX. I have written to both Bull City, XXXX XXXX asking for more information and they have not been able to provide anything except an address that has never been mine, and my social security number. Of which I am alarmed on how they obtained my personal information.
We then called Bull City to discuss the letter they sent me saying that they wanted so much personal and private information that I felt had nothing related to this as was an attempt to further scam me. In that conversation, they were extremely nasty, swearing and threatening me when I told them this is not my account and I do not owe the debt. I then wrote another letter attesting and certifying that the account was not mine and I do not owe them, thus I will not be paying for something I do not owe with a sworn Affidavit as I feel they are attempting to extort money from me. My family said to just pay it to make it go away, but I disagree, I have found that this company does not stop and continue to extort money from people.
I have provided extensive documentation to both XXXX and XXXX to certify and attest that this is not my account and I do not owe. But they continue coming back saying that the creditor has verified the account is valid. Will of course they will and the credit bureaus will not listen to me as Bull City is paying them to post this bogus account on my credit reports and they ignore everything I provide.
|
| 02/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX-I found Bull City Financial Solutions reported derogatory remarks to the my credit report on all three major Credit Bureaus XXXX XXXX, XXXX and XXXX.
XX/XX/XXXX, XXXX sent a Validation Letter to Bull City Financial Solutions Inc via certified mail to ask for information to help me validate that the debt was actually mine and that I owed that debt and or VALIDATION BE IN THE FORM OF A NOTARIZED STATEMENT BY A PERSON WITH THE ORIGINAL KNOWLEDGE OF THE DEBT AS IT WAS CONSTITUTED AND WHO CAN TESTIFY THAT THE DEBT WAS INCURRED LEGALLY.
.
Bull City Financial Solutions Inc did not send the requested information asked for in my previous Validation Letter.
XXXX XXXX Instead Bull City Financial Solutions sent a piece of paper with some addresses and names and insurance information, some creditor information on it. There is also some medical information showing for XXXX XXXXXXXX and XXXXXXXX XXXX XXXX showing on the back of one of the documents they sent to me which is against HIPPA laws . ( This was not what I asked for nor did it prove or validate any debt. ) Upon my own investigations I found that Bull City Financial Solutions Inc is not licensed in the state of Oklahoma to collect debts which means they need to cease and desist all actions in reporting false debts to my credit reports.
Bull City Financial Solutions Inc will not show proof or any validation of the debt they claim I owe.
According to the FDCPA Bull City Financial Solutions Inc is in violation of the law.
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| 01/30/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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To whom it concerns, I have requested an investigation by the three major credit bureaus for the following debt collectors : Bull City Financial Solutions. This Company has opened an account in my name using my personal information with no authorization from me. This company has reported to The Bureau that the account of the alleged debt is open and active but listed under collections. How can an account show open under a collection status? I requested from all three bureaus ( XXXX, XXXX, and XXXX ) an investigation for these companies. Bull City Financial Solutions has also reported an incorrect illegal account to The Credit Bureau without consent from me. This tactic is listed in the U.S. Law as identity theft and a HIPPA violation for holding medical information within their establishment without a medical release form from me. They used my social security number, name, address, etc. They also created an account identification number without my permission within their establishment to identify me and I'm not sure who they are. According to 15 USC 1692 d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I have multiple denials from major companies to operate in business due to this oppression. The Original Creditor was listed on my credit as Bull City Financial Solutions which is incorrect. I am a consumer which makes me the Original Creditor.
|
| 07/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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BULL CITY FINANCIAL XXXX XXXXXXXX I noticed this debt had been placed on my credit report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ) and North Carolina Administrative Code. North Carolina regulations require all debt collectors to send specific written documentation verifying the debt. 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 the basis for each charge.
I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid.
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.
Aside from verifying the debt, do not contact me about this debt.
|
| 08/13/2022 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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Web |
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Bull City Financial Solutions has violated the FDCPA on 3 separate occasions. I am writing today to inform the CFPB of the actions Bull City Financial Solutions and provide them one last opportunity to make things right before my attorney files the lawsuit. I am doing this against my attorney 's advice, but I felt it is important for the CFPB to know about this company and their actions. I am attaching all supporting evidence for my claims for your review. Those violations are as follows.
1. Sending a dunning notice on XX/XX/2022. The notice was sent in an envelope that had their company name in the window. It was not discreet and you could tell the letter came from a debt collector.
2. I sent Bull City Financial Solutions a letter to formally request they no longer contact me, and my refusal to pay them, but rather pay the original creditor. They sent back a reply acknowledging the cease and desist, however the violation occurred when they also validated the debt in the same letter " for my convenience ''.
3. Bull City Financial Solutions then reported the collection to all 3 major credit bureaus, however, they marked the debt disputed when it was not disputed.
My attorney from XXXX XXXX XXXX sent Bull City a letter stating terms where I would not file lawsuit against them. So far we have heard nothing in reply. I have also now challenged the credit reporting with the bureaus, that is still in reinvestigation.
|
| 04/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Whom It May Concern, The reason for my dispute is BULL CITY FINANCIAL SOLUTION # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, BULL CITY FINANCIAL SOLUTION failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) BULL CITY FINANCIAL SOLUTION failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation BULL CITY FINANCIAL SOLUTION is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors.
FDCPA I fail to see where BULL CITY FINANCIAL SOLUTION is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. BULL CITY FINANCIAL SOLUTION has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
|
| 02/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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The company is reporting on my credit file, not once has the company sent me a letter about the debt. I was and I am not aware of any debt owed to this company. The amount is for XX/XX/XXXX {$120.00} for XXXX XXXX and for {$590.00} for a debt in XX/XX/XXXX this is fraud, I have never received a letter informing about a bill. I have contacted XXXX and was advised XX/XX/XXXX they have nothing for me at all and during this time the company was called progress energy and they can not locate a file for me for XX/XX/XXXX. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. I have also research the company and they do not have license to collect in Florida.
|
| 11/01/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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To Whom It May Concern : I am member of a credit monitoring service. I received an alert of a collection that was put on my report. It was a collection from Bull City Financial Solutions in reference to an old credit card through XXXX XXXX XXXX XXXX for the amount of {$9700.00}.
This needs to be removed ASAP! I am not responsible for this debt. My ex-wife is responsible.
Back in XX/XX/XXXX of this year XXXX XXXX XXXX XXXX sued me for the debt. In turn, I counter sued my ex-wife. She contacted XXXX s attorney and made an agreement with XXXX XXXX XXXX XXXX. At the hearing on XX/XX/XXXX, XXXX XXXX XXXX entered her Judgement and requested that I would be dismissed of the obligation.
I have attached a copy of the civil judgement order showing the claim against me is DISMISSED.
Bull City verified with the original creditor " XXXX XXXX XXXX XXXX '' that I have been released from the debt back in XX/XX/2018. They removed it from my credit and in the last few day re-posted the collection to my credit. When I called them, they clearly said they further reviewed it and I am still responsible to pay them before they will remove it. I can give them a credit card to cover the amount of the collection. This makes it illegal. Clearly knowing I am not responsible for a debt and they are trying to collect.
|
| 02/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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Bully City Financial Sol ( BCFS ) reported to my credit reports in the month of XX/XX/XXXX on ( XXXX ) and XX/XX/XXXX on ( XXXX ) that I have a past due balance of {$370.00} ( Account Number : XXXX ). I have not received any form of communication written or verbal from BCFS prior to those dates. I informed both companies that the debt shouldn't be reported on my credit report. XXXX and XXXX both inform me that the debt was verified with BCFS.
I call BCFS on XX/XX/XXXX, to request information on the debt, which was the first time any form of communication with BCFS and me, they inform me it will take 5 to 7 business days to receive my request. I never receive that letter. I call them three different times on XX/XX/XXXX, requesting information. I ask if they can email or fax me the information, but they refuse and told me that they can only mail out documents.
All four times I call BCFS, they inform me that the call is being recorded. I also mail them a debt validation letter on XX/XX/XXXX. On the evening of XX/XX/XXXX, I email them the debt validation letter with ref. # XXXX in the email to XXXX To add, on the original credit report, from late XX/XX/XXXX, XXXX had it start reporting in XXXX but my recent report shows it start reporting in XX/XX/XXXX which is accurate and inconsistent.
|
| 07/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
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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.
|
| 04/26/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I originally contacted XXXX XXXX @ XXXX XXXX about the bill when I first received the bill around XXXX XXXX and advised her that I went in for an XXXX XXXX XXXX on XXXX / XXXX / XXXX and rep stated she had to research the codes she called me back and stated coders stated the codes were right and gave me a XXXX NC address to mail a complaint. I mailed the complaint and never got a response until I received a collection letter fro m Bull City and I sent them a letter about insurance not being filed and disputed charges. The next notification I received was the charges on my credit report. I 've attached proof of insurance coverage. I resubmitted validation again to Bull City ba ck in XXXX XXXX and they sent my a privacy notice I signed back on XXXX / XXXX / XXXX which I acknowledge and my insurance paid for that date no information for XXXX / XXXX / XXXX . Information of my dates of services with XXXX codes are listed on the forms that was sent to me b y Bull City which violates HIPPA and there was n't any insurance billed for XXXX XXXX , XXXX request again On XXXX XXXX , XXXX I went in for an XXXX XXXX which is covered 100 % by my insurance. I would never go to a physician to pay full price for a visit and not have insurance billed.
|
| 04/24/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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Bull City Financial Services took over a medical debt that I MAY HAVE had from, before I was married, 12 years ago. The debt was from XXXX XXXX. My husband and I filed chapter XXXX bankruptcy on XX/XX/XXXX : Case # XXXX. No one showed up to our federal court hearing! This company MAY HAVE re-submitted this an old collection, that was included with our bankruptcy, in XX/XX/XXXX. When I contacted the company, they gave me the run around and said they couldn't locate anything about me. I disputed this collection with the major credit bureaus, explained my situation, and now they are launching full investigations. This, in my opinion, is potentially fraudulent because I have never visited healthcare providers from XXXX XXXX AND this Bull City Financial could not provide me with any information regarding the derogatory account they reported on my credit. When I requested a letter of debt validation, they said they would not be able to provide that for me. This is beyond harassment, what they have done is against federal law. My bankruptcy attorney is XXXX XXXX, of XXXX XXXX XXXX , XXXX. This company needs to remove the collection from my credit report or I will seek legal action against them! This company needs to be held accountable for underhanded actions, such as this.
|
| 07/05/2022 |
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
|
|
Web |
|
|
In XX/XX/2021, I visitied XXXX and XXXX XXXX XXXX with insurance. Neither health centre filed invoices for my visits against insurance. They reported invoices as unpaid to Bull City Financial.
Following months of trying to have the invoices correctly filed to insurance, I engaged the help of the Head of the Department of XXXX. His engagement resulted in the invoices filed correctly to insurance and a letter of apology.
I have tried to have the erroneous credit entry removed with success, except for my engagement with XXXX.
XXXX refuses to engage with Bull City Financial and present the physician 's letter of apology. Whereas the other two credit reporting agencies correctly engaged with Bull City Financial and removed the erroneous entries, XXXX takes no action, stating that the entry is correctly reported. The reference numbers for my effort to resolve the situation with XXXX are : XXXX, XXXX, XXXX, and XXXX.
Before contacting the credit reporting agencies, I contacted Bull City directly. Bull City declined to remove the erroneous entries. Bull City may be contacted at : https : //www.bullcityfinancial.com/, ( XXXX ) XXXX.
The erroneous hospital invoices are : XXXX XX/XX/2021 for {$160.00} XXXX XX/XX/2021 for {$1200.00}, and XXXX XX/XX/2021 for {$320.00}
|
| 07/09/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Bull City Financial Solutions has posted three collection items with the three leading credit agencies XXXX, XXXX, and XXXX. I have tried to get these items removed from my account several times because they are inaccurate. I have never had any business dealings with this organization. There has not been any signed contracts, verbal contracts, or any services provided to me through this organization. They have the Provider of service listed as XXXX XXXX. I have spoken with this XXXX XXXX and according to them, I had XXXX during the time of service. Under the HIPPA law I am allowed to protect my privacy and medical records. I have filed a dispute with all three bureaus requesting validation of this debt. Bull CIty Financial should not have any access to my medical records because I never signed authorization for them to obtain this confidential information. Therefore, I am requesting this organization to remove any and all listing from my credit report because I have no contract with them and the account has been settled with the provider of service XXXX XXXX. See items below : # 1 BULLCITY FINANCIAL SOL {$180.00} XXXX XXXX, XXXX XXXX, 2017 # 2 BULLCITY FINANCIAL SOL {$260.00} XXXX XXXX XXXX XXXX, 2017 # 3 BULLCITY FINANCIAL SOL {$170.00} XXXX XXXX XXXX, 2017
|
| 10/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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I thought paid all my electricity bill with XXXX XXXX after I sold my first home. XXXX XXXX also provide service to my new address. i am paying the bill on time on my current address. Then I received a collection letter from XXXX XXXX XXXX XXXX telephone Number : XXXX. I made the full payment in the amount of {$120.00}. I have the proof of receipt. They also charged me few dollars more for making the payment over the phone.
Almost after a year later i received another statement from Bull City Financial solutions , INC. telephone XXXX regarding the XXXX XXXX bill for the same amount {$120.00}. i explained to them i already paid, emailed them receipt but They were asking us to pay again.
I reached to XXXX XXXX and explained my current situation. I was able to make the payment with XXXX XXXX because they said they haven't receive the payment from XXXXXXXX XXXX XXXXXXXX XXXX. I reach out to XXXX XXXX XXXX they are telling me to contact XXXX. Bull City financial asking me to pay them.
I paid Twice 1st time with XXXXXXXX XXXX XXXX and 2nd time with XXXX energy directly.
My Credit Score is going down I am unable to get good rate be because of my Credit Score.
It is fraud, I should not pay more than one time.
Please help me to resolve this issue.
|
| 11/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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|
My utility company XXXX XXXX says that I owe them {$510.00} for and unpaid bill that was sent to collections ( Bull City Financial ) back in XXXX. I'm currently working on trying to fix my credit and I discovered this bill, when I spoke with the agency and XXXX XXXX neither company could provide me proof that I owe this bill. The guy that I spoke with from XXXX told me that back in XXXX they were updating they're systems during that time and that something could of went wrong the issue that I'm having is I know that I paid my bill, and I also know that there's no way I would be able to transfer or get lights anywhere with and outstanding bill. The guy proceeded to tell me that In the state of NC the statue of limitations says that I don't have to pay a bill that's 3 years old something like that, I also have an recording of our conversation I moved from that home that's associated with that bill during the time he says it was owe again there no proof I ask him out of 3 years why haven't anyone mentioned to me about this outstanding bill or sent anything in the mail no one hasn't call or anything I can't get statements either because of their new system I feel that has absolutely nothing to do with me when it comes to their systems.
|
| 06/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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On XX/XX/XXXX, my XXXX credit report showed a derogatory mark, that a report had been filed with a collection agency. The collection agency : Bull City Financial Solutions, supposedly opened a collections matter for approx {$270.00} on XX/XX/XXXX. XX/XX/XXXX is the first time I learned that such a matter had been opened. I contacted the collections agency, and learned that an account with XXXX XXXX that closed in XX/XX/XXXX was referred to collections. This is the first I learned that such an account existed. The collections agency could only give me the creditor name and account number ; however, could not give me a name or address associated with the account. When I attempted to search for the account online in the XXXX XXXX account portal, there was no account listed. I contacted XXXX XXXX 's customer service team, and they were unable to find any record of an account with the account # provided by the collections agency in their system. I spent several hours on the phone with XXXX XXXX customer service representatives, and none were able to locate any documentation associated with the account ending in # XXXX. Despite it being more than 30 days since the collections matter was opened, I have not received a validation notice.
|
| 11/13/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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I set up a payment plan, to begin paying this debt down, in late XXXX so that payments could start on XX/XX/2023. I set up the payment plan giving my debit card information for the funds to be deducted from my checking account. In speaking with XXXX on XX/XX/2023, he confirmed that payments were set up to come out of my checking account. On XX/XX/2023, Bull City Financial Solutions attempted to withdraw {$50.00} from my savings account. This transaction was denied. Bull City Financial Solutions then charged me a {$20.00} NSF fee because the transaction on XX/XX/2023 did not go through. On XX/XX/2023, I spoke to a Bull City Financial Solutions agent by the name of XXXX. I explained to XXXX the NSF fee and he informed me to email, Bill City Financial Solutions Help Desk for Client Services, a screen shot of my bank statement that shows the {$20.00} NSF fee being deducted from my banking account if I wanted to be reimbursed. I sent an email to Client Services on the same day with a screenshot of my XXXX bank statement that shoes the {$20.00} NSF fee. I never received a call from Bill City Financial Solutions to address the matter at hand. I didn't find out that the reimbursement request for the NSF fee was denied until XX/XX/2023.
|
| 10/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Bull City Financial has continued to attempt collection activity including credit file reporting on a time barred debt. The original debt is in the state of North Carolina and I am a North Carolina resident. The statuette of limitation in North Carolina is 3 years.
I was never provided with the legally required validation notice. The alleged debt is from 2015. The account should never have been reported to my credit without providing me a validation notice and should have been removed and all collection activity stopped once it hit the time barred limit. The account is currently being reported against my credit file report is violation of the law and Bull City Financial 's responsibility as a data furnisher. I believe that these actions make them liable for violations of the FDCPA and the FCRA.
I called Bull City Financial the first week of XXXX, and spoke to a collector named XXXX. I advised that his company was illegally still pursuing this debt past the statuette of limitation. I asked him was he aware of the concept of time barred debt. He told me he was not and attempted to collect against the debt that I advised was illegal. I asked to speak to a supervisor or compliance resource and XXXX disconnected the call.
|
| 10/12/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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I have sent letters to Bullcity Financial seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not align with the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not so much as received a copy of the dunning letter that they should have sent me when they began attempting to collect on the debt. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. How does this company list this entry as data factoring when they are a 3rd party collection company and did not assume the debt prior to charge off? This company did not prove that the statute of limitations has not expired. Where are the documents that reflect my signature? Where are the documents that provide proof of ALL charges, invoices, or slips that prove indebtness to them? This erroneous, unverifiable, inaccurate item should not be reflected on my credit reports.
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| 06/30/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Starting on XX/XX/XXXX - after reviewing a copy of my credit report I have been attempting to find out what some negative items on my credit report are. I sent a letter to the credit bureaus in XX/XX/XXXX asking for their assistance in verifying those items. Some items were addressed, some were not. No information was sent to me by this creditor. I sent another letter in XX/XX/XXXX asking for further verification as some items we still not answered - no response. I then sent the attached letter in XX/XX/XXXX directly to this creditor asking what this item is - NO RESPONSE. This item is on my credit report and is negatively affecting my score. I have requested numerous times for verification, or any description to be given as to what this is. I have no idea what it is for or what is it from. To my recollection I have never received a bill or a statement. I feel that this in an incredible violation of my rights to be continually requesting information and to not receive it when my attempts to obtain better interest rates and better my credit worthiness go UNANSWERED! I find it incredibly suspicious that I have received an answer from other creditors sending the same letters. This is a waste of my time, energy and money.
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| 11/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I disputed a fraudulent charge on my XXXX report but they investigated and said i should be financially responsible for the fraudulent charges. i strongly disagree. I live in a city with one source for energy and power which is XXXX XXXX. i have recieved my energy and power from this company since XX/XX/XXXXto the present XXXX. I could not have received service from the company the charges stem from if i wanted to. i live within the city limits and the towns utility company pretty much has a monopoly as the source of energy for all of its residents. After XXXX ruled against me, XXXX then followed XXXX XXXX lead I then sought to send XXXX information proving that I never requested XXXX XXXX services i am being fraudulently being charged for nor have i ever lived at the fraudulent address associated with the charges. I have been unable to check the status and walk through the steps to upload said proof and am running out of time. I have 17 more days but I am presently locked out of access to XXXX to dispute the charges listed below.
Bull City Financial Solutions is charging me {$1000.00}. The original creditor is XXXX XXXX date opened is XX/XX/XXXX First reported in XX/XX/XXXX for collections
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| 10/28/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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Bull City Financial has posted a number of inaccurate collection items on my credit reports. This collector has not made any effort to contact me nor have I received any correspondence from the collector regarding the stated debt owed. No information has been sent or provided by the medical provider either. I'm fairly confident this is breaching at least several financial standards and/or regulations designed to provide fairness and protection from such activities. Further, the debt was submitted to the State of Virginia and has been added to my tax liabilities for the last three years. Several thousand dollars has been deducted from my VA tax refunds and goes somewhere. Once again, I absolutely have no knowledge or information outside of the name of the provider - XXXX XXXX XXXX XXXX XXXX or the debt collector mentioned here. Have disputed information added by Bull City Financial on a number of occasions with all three credit agencies, but the Credit Agencies keep reposting the collection items in favor of Bull City Financials. How is this a fair practice in relation to the consumer? I was never provided an opportunity to dispute nor request any information regarding any debts owed.
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| 02/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Dear Sirs ; I contacted Bull City about an alleged medical debt in XXXX of XXXX. I received a reply after XX/XX/21. I questioned the material that was sent to me. I was sent information that verified that a debt exited. I asked for validation of that debt. I asked for proof that the debt was mind. Something that tied me to this alleged debt. Since that time I have sent Bull City three letters asking for validation. I have not received a response. This should be very common stuff. I stated to them that if they could not validate this alleged debt, then it should be removed from my credit report. If they have more information that validated the alleged debt then send it to me I have not heard anything from them at all. NOTHING. i have mailed them three additional letters and have yet to receive a response. The information I did receive did not validate the debt. The one paper did show that a debt did exit but there wasn't validation that the debt was mine. Bull City has not replied to my letters. Again NOTHING. By law if debts can not be validated they must be removed. Bull City has not responded to my request. Nothing since XXXX.I don know if this is normal, but I don't think it is.
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| 12/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/2021 Bull City responded to : complaint number XXXX Bull City Financial Solutions has conducted research. Validation of the debt from the original creditor has been sent to the consumer at the address Bull City Financial Solutions has on file. Our Help Desk is available to assist consumers and may be reached directly via telephone at XXXX. However, on XX/XX/2021, I submitted a complaint with documentation on XXXX XXXX, XXXX XXXX XXXX, which had been referred to the Federal Trade Commission on XX/XX/2021.
Bull City, has not provided to any verification of the debt, nor has their client provided me or them with a validation of the debt. I have made several good faith request in writing via certified mailing to all companies referenced above. Per the attachments. You will notice my health insurance XXXX, paid the medical dept. You will also, notice the subrogation letter, where this debt was paid as part of a XXXX XXXX settlement. Additionally, I have requested from XXXX XXXX, XXXX XXXX XXXX and Bull City the collection agency additional documents showing how I own what is being disputed. I sent certified mailing, and none of the companies responded or acknowledged receipt.
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| 11/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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According to the report it states that in XX/XX/XXXX this account was delinquent for XXXX dollars from XXXX XXXX. I was never contacted about this debt. Not by email, phone, mail, nothing. This shouldve been paid with my deposit that was given when the electric was turned on. I was never sent a check from my deposit either.
I believe in XXXX of XXXX is was sold to XXXX XXXX financial. Who also NEVER contacted me, not by email or phone, or mail. I checked my credit score and found they had added this as a collection.
On XX/XX/XXXX I attempted to contact XXXX XXXX and upon discussion with someone they were unable to provide me with any documentation. She had no information on my account, only that XXXX dollars was owed. She didnt know what for, there was no indication of a check being sent to me, or a final bill that was showing unpaid. She prompted me to contact XXXX XXXX XXXX. Upon calling them I asked for any information to be send to me, which they claim they did via mail but I have yet to receive anything. Told them they needed to take this off of my credit report as there is NO documentation of why I have this debt. He refused and said the only way is for me to pay it.
|
| 11/30/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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My complaint is against Bull City Financial Solutions the original creditor is XXXX XXXX XXXX XXXX I received a notice that I owed a balance of {$390.00} from Bull City Financial Solutions being that I never heard of the place I called to see what the balance was and why are they contacting me they informed me that I was admit it to XXXX XXXX Hospital XX/XX/XXXX in which they said that I had a child that was born that day who was XXXX I inform them that I was not admitted in the hospital to deliver a child in XXXX my last child was born XX/XX/XXXX I do not have a child XXXX years old and the debt is not mine so remove it from my credit they refused to remove it from my credit and they insist that I had a child that was born XX/XX/XXXX and was XXXX XXXX and XXXX XXXX Hospital I told them to do the research I am XXXX years old my youngest son was born XX/XX/XXXX I would like to add also that I received the XXXX XXXX XX/XX/XXXX there is no way that I had a baby in XXXX and I need that debt removed from my credit they refused. Not sure how they even obtain my information to even send me a bill and I need this investigated because obviously I am another victim of identity theft
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| 10/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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After reviewing my credit reports I noticed that it was an account from XXXX XXXX XXXX reporting negative on my report. I reached out to Bull City Financial Solutions , IncXXXX along with their CEO XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX on multiple occasions to get more clarification on the unknow debt, plus to figure out how they are furnishing negative remarks on my credit report without even sending me any type of written notice.
My attempts have seem to fall on deaf ears without any proof of verification of this debt or that they followed all laws and regulations to report the account in the first place. So I am placing this complaint with your organization with the hopes that they will finally respond with the valid proof that I owe them anything and they have the legal right to be reporting this negative information on my credit report.
The location communications were sent is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX.
I also disputed it with the credit reporting agencies, and it seems like the odds are stacked against me because a company can say verified without any real legal proof and the credit reporting agencies just take the companies word for it.
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| 12/12/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I sent a letter to Bull City Financial Solutions on XXXX XXXX XXXX, about some collections they reported on my credit report. I told them I was writing them a letter to tell them to send the debt back to the original creditor XXXX XXXX that sold it to them. It's illegal but not enforceable for a collection agency to buy debt from another company, then go after that person as if they had a contract with their collection agency. I know this collection agency does not have any paperwork showing that I made agreements with you with my signature. I told them that if their collection agency does not send this debt back to the original creditor, I will file a complaint with the CFPB, XXXX, FTC, and Attorney General. Also, I will hire a consumer attorney to sue your company for injuries up to XXXX. I will also file complaints against the credit bureaus. Despite a previous written request on XX/XX/XXXXthese debts, which I told them to send back to the original creditor, remain on my credit report in violation of federal law.
Re: Account #'s
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 11/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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I was treated in XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, NC. ) I am covered under XXXX XXXX XXXX and XXXX and NC XXXX XXXX since XXXX. Apparently 2 invoices of NOT paid were sent to Bull City Finance in XXXX NC for collection. I went to XXXX billing dept and obtained Paid in Full Invoices for All bills pertaining to me. I do NOT owe ANY bill at XXXX XXXX XXXX. I sent 2 copies of the paid invoice to Bull City. No Response at all for 3 months. I ask Bull City for verification of debt. They sent me collection info on a XXXX XXXX XXXX. ( Total stranger to me ) .6 pages. These collections remain on my Credit reports all 3. This account was settles in XXXX XXXX.per XXXX XXXX XXXX . Bull City continues to report this debt to credit agencies and this is NOT fair. They refuse to acknowledge me at all. I have disputed with XXXX, XXXX and XXXX 7 times, still Bull City maintains that I owe this I do NOT. ps NEVER have I received any statement what-ever from Bull City , ever. My credit score and life is suffering from their out-dated, incorrect information. Not to mention H.I.P.P.A violations pertaining to XXXX XXXX XXXX. I have her entire Medical History and charges.
|
| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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See attached Comments and Exhibits.
Bull City Financial Solutions ( 'Bull City '' ) reported a medical collection associated with XXXX XXXX to XXXX XXXX XXXX and XXXX on XX/XX/XXXX wherein Bull City claimed that the medical debt had been outstanding for more than a year ; however, statements from XX/XX/XXXX and XX/XX/XXXX show that no such balance existed and that Bull City 's claim is both inaccurate and false.
Upon filing a dispute with XXXX on XX/XX/XXXX, an investigation was conducted ; however, Bull City CERTIFIED to XXXX that the information in the collection was accurate and XXXX made no change ( s ) to my credit report.
On XX/XX/XXXX, I contested the dispute findings electronically and attached one ( 1 ) page of comments and six ( 6 ) pages of exhibits.
In response, XXXX informed me that my contested dispute had been concluded but that the findings and the report were not available to me electronically. Hence, final resolution of this matter appears on-going.
Additionally, I have now received a notice from a third party credit provider stating that as a result of this medical collection, I am now subject to higher interest and fees.
|
| 05/04/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I have a a unverified account from BULL CITY FINANCIAL SOLUTIONS # XXXX . I had previously disputed this account. I have never done business with BULL CITY FINANCIAL SOLUTIONS . Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that BULL CITY FINANCIAL SOLUTIONS Provide verification of the following : 1. ) The original Application or contract ; any signatured documents legally binding XXXX XXXX to do business with said company. 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that BULL CITY FINANCIAL SOLUTIONS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
|
| 08/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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And account popped up on my credit report by the name of BULLCITY FINANCIAL SOL as a collection in the amount of {$290.00} per XXXX the agency has " The company that reported the information has certified to XXXX that the information is accurate ''. This account is inaccurate and no information has been provided by BULLCITY FINANCIAL SOL. I have NEVER done business with this company and have no idea who they are.
I have requested an explanation of this alleged debt such what the balance is for, I requested a complete audit trail calculation of this debt including the complete payment history on this account so I can have proof that the amount is correct. Documentation that shows I agreed to pay this debt with my signature and documentation showing I gave gave permission to have my information. A copy of their state license including license number that gives them permission or right to collect in my state. I also requested the purchase agreement and for them to swear under penalty of perjury during the alleged debt. And CEASE AND DESIST ALL COMMUNICATIONS IMMEDIATELY and this has not been displayed. This is a violation under the FDCPA.
|
| 07/27/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
|
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I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the two unauthorized account that you hold in my name Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files.
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. 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.
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
|
| 04/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account Bull City I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
|
| 05/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
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XXXX XXXX XXXX billing did not bill US Dept of Labor, Office of workers Compensation for the XXXX transport charges resulting from an on the job injury.
XXXX XXXX XXXX, billing under the name of BullCity Financial SOL, charge of {$800.00} was incurred as a result of an on the job injury. I have spoken with the company on numerous occasions to provide the online billing information that the US Dept of Labor office of Workers Compensation utilizes to remit payment.
The previous company representatives were not competent enough to remit bill to DOL OWCP automated system. The new company took over XXXX XXXX XXXX. I submitted all of the DOL OWCP billing information to the new company to no avail. The representative assured me that the billing will be submitted. The charges are still showing on my credit report and I am not liable for the charges that DOL OWCP has assumed liability of.
I also shared the DOL representative information to contact, if they needed assistance with the this. XXXX XXXX XXXX This billing has dragged on and I have been negatively affected on my credit for years due to their inefficient billing system.
|
| 06/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
|
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15. USC 1681 section 602 A state ... .I have right to privacy ... .They violated this 15. USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions.
15, USC 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector this includes phone calls and letters in the mail ... ... I have changed my number twice.
|
| 02/23/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I checked my credit report on XXXX for the first time in years cause they couldn't prove it was me until I sent copies of identity cards SSI card, pay check stubs and I didn't have any time to get it done, well theres a debit collection agency that has been calling me all these years about medical bills and if I don't pay by the date i would end up in court and paying like a crazy amount for court cost and lawyers fees and double the amount, well I wasn't even able to get to any doctors or hospitals for treatment cause around those dayes i was XXXX, and they won't stop updated it on my credit report, and other things are going on to like unknown companies are running credit inquires for credit and it was not me, i do have the proof that I was a victim of identity theft and I was incarcerated at that time to, I didn't know til I was released an got back into my email account and it was to late to show the court the pain and suffering i went through to try to get credit, that was done and now these medical bills are popping up on on my credit report bull city Financial Solutions XXXX
|
| 01/13/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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BULL CITY FINANCIAL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX has repletely sent collection notices ignoring my dispute with proof of insurance & self pay payments. I sent all prof to all 3 credit bureaus as well as Bull city, the credit agencies did their investigation and deleted/updated my reports. Now Bull City keeps deleting the account from my credit and then reporting the account to my credit. The latest report to my credit was on XX/XX/XXXX.
I originally sent all proof to original creditor on XX/XX/XXXX, my 1st collection letter was sent on XX/XX/XXXX and on XX/XX/XXXX I responded with copies of all payments. I sent the credit bureaus my proof on XX/XX/XXXX and shortly after the account was removed. Since then Bull City keeps removing and adding the account to my credit.
I wish to file a formal complaint as I have sent proof of payment to all involved, and after investigation it was determined account was in fact paid in full and Bull City is stil trying to get me to double pay as well as destroying my credit with the constant report/remove/report that they are doing.
|
| 03/03/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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I receive a message from XXXX stating there was a XXXX collection on my credit file with all three credit reporting agency. I pulled my credit and seen it was for a XXXX hospital in XXXX XXXX NC and the collection companies name is Bull City Financial Solution in XXXX NC. I called and talked to a XXXX at the call center and she stated to me the account clearly is n't mine and i will remove and broke this account from all there credit bureau 's asap, It Never happened!!! So called back in 30 days and asked why is n't it been removed and she stated to me its your account we have court doc stating its yours, So i called the Hospital and talked to a supervisor in billing and he stated this account clearly is n't your and i will pull it from the collect company!!! So called the credit company back and asked why has n't been removed yet, XXXX said its your account and we will not remove it. I have filed a police report and also filed a lawsuit under fair patience laws. They want even give me the paperwork under the FAIR CREDIT REPORTING ACT, 15USC-1681 TO PROVE ITS MINE. Please help
|
| 11/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
A rep from Bull City Financial called me almost 3 months ago and was supposed to send me the actual bills so I could look them over and either dispute the claim or set up a payment arrangement. She took a payment of {$110.00} over the phone from me and told me that once I get the bills call her back and she could file the dispute over the phone or the monthly payment amount of {$110.00} would be charged to my card each month on the XXXX of the month until the bill is paid in full but would not be reported to the credit bureau since I never was notified until she called. No monthly payments were charged to me, I never received any bills or itemized statements in the mail yet on my credit report a collection is showing from Bull City account XXXX for {$1800.00} which is the same amount the rep mentioned on the phone that day before taking my payment of {$110.00} I want this collection account removed from my credit report immediately and want the statement sent to me as promised so I can either dispute the amount or continue to pay on a payment arrangement like I was promised.
|
| 09/22/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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|
On XX/XX/XXXX I went to an XXXX XXXX in XXXX, NC. I chose this particular facility because I knew that it would be covered 100 % by my medical insurance. When I spoke about the services I'd be receiving, they told me that my insurance would cover ALL of it and I would not have to pay for anything. Around XX/XX/XXXX, I received a bill from XXXX XXXX that stated I owed {$790.00} for service that was rendered on XX/XX/XXXX ... .I did not go to this or any other XXXX XXXX facility on this day, as I was at work from XXXX. When I called the facility in XXXX, I asked them why I was sent a bill, the person I spoke with stated that I didn't owe anything. A month later, I received another bill for the same amount of {$790.00}. Once again I called and asked why I owed anything since I was told that my medical insurance company covered everything. Once again, I was told I didn't owe anything. Around XXXX of XXXX, I received a bill from Bull City Financial ... a collection company. I was placed in collections for {$790.00} that I don't owe to begin with.
|
| 05/02/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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|
Web |
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|
after relaying to the supervisor of BULL CITY ( XXXX XXXX ) that i XXXX XXXX XXXX my be a victim of identiy theft, XXXX continued to request my personal info without validation or proof of any debt owed by me.The purported debt collectors ( XXXX XXXX ) have not only been argumentative, but have conducted themselves in a manner unbecoming of a debt collector as outlined in [ 15 USC-1692d ] 806. Their language and conduct violate the basic and common standards of the FAIR DEBT COLLECTION PRACTICES and BUSINESS ETIQUETTE.
Sopervisor XXXX XXXX told me that by law i was obligated to answer his questions and refused to fully cooperate with me in the settlement of this matter. 6. Debt collectors are prohibited and or forbidden to report a purported debt to anyone once they have been told to cease and desist all debt collection activities by the consumer and or their representative ( s ) [ 15 USC-1692e ] 805 ( b ) because the debt has yet to be validated or verified, reporting to the several different credit agencies is a violation of federal law.
|
| 08/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I request that BULLCITY FINANCIAL SOLUTIONS formally substantiate account data BULLCITY FINANCIAL SOLUTIONS conferred to the major credit bureaus for me, XXXX XXXX, with respect to the unverified BULLCITY FINANCIAL SOLUTIONS XXXX {$XXXX}. Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction after my time as a student. I need more than a summary one-sheet. Instead, I have demanded a substantive validation. Should you be unable to comply with my request during this reasonable period, any data disseminated from you to the major consumer reporting agencies must be considered counterfactual and may bespeak BULLCITY FINANCIAL SOLUTIONS desire to ignore consumer protection law. If this is the circumstance, kindly annul such bureau reports upon your next transmittal.
Thanks sincerely for your assisting me.
|
| 12/22/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
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Web |
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BULLCITY FINANCIAL SOLUTIONS ACCOUNT XXXX BALANCE : XXXX THIS COMPANY IS IN DIRECT VIOLATION OF 15 U.S. Code 1692e AND MANY MORE. Bull city financial has failed to complete my request and afterwards is giving me false information in connection with a debt that is not owed because debt was cancelled through irs form 1099c and written off and is taxable income so how can a debt be income? This is proof of false and misleading. Also my debt validation request still has not Ben completed due to the fact of the response I received in correspondence to my validation request and it lacked all relevant information for validity of such alleged debt, such as a copy of the original contract with my signature for the debt, a full payment history from the original creditor, the name and address of original creditor and the proof that they own or have Ben assigned the debt to collect. I AM NOT REQUESTING A REINVESTIGATION! I AM DEMANDING REMOVAL OF ITEMS DAMAGING MY CONSUMER REPORT AND BEING FALSELY REPORTED INACCURATELY WHICH IS ALSO A VIOLATION.
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| 07/25/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I am writing a second complaint against Bull City Financial. They have replied to my first complaint refusing to remove invalid information from my credit report. Today, in hopes of getting clarity, I spoke with the original creditors XXXX XXXX, XXXX XXXX billing department, as well as the state XXXX division in my area. I spoke with XXXX from the original creditor and according to the records, I was covered by XXXX during the time of service. The account was sent to Bull City due to the negligence of XXXX XXXX billing department and them not submitting a claim to XXXX. This information was verified by the hospital I XXXX at. Per XXXX in billing at XXXX XXXX XXXX, XXXX was active during my XXXX and they have billed for their services, the doctor failed to bill for his. XXXX with NC State XXXX XXXX office also verified there were no billing claims for this doctor 's office and that they have 365 days to enter a claim. XXXX with XXXX XXXX agreed that XXXX had not been properly billed and that I should not be billed for these services.
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| 03/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Servicemember |
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The debt is and has always been my former spouses debt. It originated in XX/XX/XXXX, even by proof of the info that was sent to me by the debt collection agency. My former spouse even made a payment to the originating debtor in XX/XX/XXXX. My name is no where on the debt and is not connected to it at all. The insurance that was used was connected to my former spouses military benefits not mine. I have provided all of my spouses information to include his XXXX which shows his date of discharge from the military, XX/XX/XXXX as well as a copy of our divorce decree that states that all debts that were his prior to XX/XX/XXXX are and remain his solely. This debt continues to be reported on my credit report and has been since XX/XX/XXXX. It was removed however it still showed it as an account in collections under my name and is a derogatory mark on my credit. This needs to be removed as an account that was NEVER my account and done so across the board to ALL reporting agencies as an account that was not mine, belonged to my former spouse.
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| 12/17/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I moved out of my home XX/XX/2016 from XXXX XXXX XXXX XXXX XXXX, NC XXXX. I owed for the months of XXXX and XXXX. My bill for XXXX was {$170.00}. XXXX and XXXX {$30.00}. When I tried to pay this amount XXXX XXXX would now let me pay. They had tacked on some {$5.00}?? something bill onto mine. The amount is now {$1100.00}. I have tried to call numerous of times throughout the years but like today, I have been on the phone for hours. It has effected my credit and me getting any type of loan. When I tried calling XXXX XXXX I spoke to 5 managers and noone knew why the bill was this amount, the couldn't find anything. One lady told me I only owed around {$300.00}. One manager sent me an itemized bill that adds up to {$550.00}. I am furious about this and do not know what to do. Bull City Financial has taken over and has been very rude to me. No one will send me any information regarding this matter. I have voice recordings of all the managers as well, if I need to provide. All stating they have no idea where this extra debt came from.
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| 12/06/2023 |
Yes |
- Debt collection
- Medical debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I refuse to pay this BULL CITY FINANCIAL. BCF is reporting XXXX accounts onto my consumer report. My rights under the Fair Debt Collection Practices Act ( FDCPA ) and HIPPA allow me to contest credit report inaccuracies. According to FDCPA, I can challenge false information, and HIPPA deems accessing, obtaining, or transmitting Protected Health Information without authorization a criminal violation. BULL CITY FINANCIAL isn't the original creditor, and I never authorized them to report my private information. I've got proof of their questionable practices, from inappropriate language ( violating 15 U.S.C. 1692d ( 2 ) ) to deceptive debt collection tactics ( violating 15 U.S.C. 1692e ( 10 ) ). Validation and verification are not my concerns ; it's the false data on my credit report. They must remove this incorrect account and other negatives swiftly. If not fixed within 10 days, I'll take it to the United States District Court for the Eastern District of North Carolina. I'd rather sort this out amicably, but time is running out.
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| 10/31/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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In XX/XX/2021, I moved from residence from XXXX to XXXXXXXX XXXX SC. In end of XX/XX/2021, I contacted XXXX XXXX and informed them that I would be moving from my residence and to transfer my service. My last bill should be in XX/XX/2021. XXXX XXXX representative transferred my service to XXXX XXXX XXXX, XXXX XXXX SC XXXX. At the time there was no outstanding bill on my account otherwise I would not have been able to transfer my service. XXXX XXXX failed to discontinue my service at XXXX XXXX XXXX as a result I incured a bill for {$490.00} and therefore violated by consumer protection rights. There has been two debt collection companies that have contacted me for the past two years and I have contacted affirmed the assertions I am making in this dispute. There is not debt owed because I transferred by service. XXXX XXXX has retained Bull City Financial Solutions , Inc . I am affirmatively disputing the debt owed of {$490.00} under the debt collection laws. XXXX XXXX should have done their due diligence and shut off the service.
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| 10/24/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I have as well as, XXXX, XXXX and XXXX has contacted Bull City Financial over 20 times since XX/XX/2018 about a account for {$510.00} that is not mine. I have never had an account with this company, nor have I had one with XXXX XXXX. On XX/XX/2018 I also filed disputes with the 3 credit bureaus. On XX/XX/2018, XXXX completed its investigation and found out that it was not mine and they removed it form my credit report. I called them back with this information and they continue to say it is mine after they admitted to XXXX that it isn't mine. But they still refuse to remove this false account from my XXXX and XXXX XXXX reports. This account has been proven to not be mine as well as fraudulent. I'm escalating this complaint because when I call them they are really rude wouldn't let me speak to a supervisor, who they blind transferred me to and went straight to a no name voicemail. Can you please help me with this? I have uploaded a screen shot of the notification from XXXX showing that it was removed by them, Please help me.
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| 03/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I recently had a problem with Bull City Financial Solutions in which I submitted a claim to you previously. The file number was XXXX. I had an issue with the representative because the agency notified third party for me to contact the agency when I was making consecutive payments of {$20.00} to the agency each month. Since then, I had an judgement placed upon my credit report which I read by law was illegal ; if, the individual is paying on that bill. Now, my credit score have lowered because of this. On XXXX XXXX I paid the remaining balance of {$100.00}. I received a letter from Bull City Financial Solutions that the account has been satisfied. But, yesterday, on XXXX/XXXX/16 I received notification by the NC state income tax that, that payment in the amount of {$100.00} had been deducted from my refund already. So, I called the same collection agency that harassed me for the money faster than I could pay it off requesting my refund. I was told I would have to obtain it from XXXX. Imagine how I feel right now???
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| 11/13/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXX added a collection in XX/XX/2017. I contacted them directly in XXXX of this year and again in XXXX of this year. The representative I spoke to provided the account information as well as the address for the account. The address on file is an address I have never been associated with. In XXXX the representative and I went through the steps of filing a fraudulent account claim. They assured me that the account would be deleted from all 3 of my credit reports. In XXXX, the account was still reporting to all the bureaus. I contacted XXXX again and the representative said the only way to appropriately file the fraud case was to contact the collection company directly. I called the number to XXXX XXXX XXXX provided by the representative and the representative for the collection agency said that even though the account was not mine and a fraudulent claim was filed, the account would continue to stay on all 3 bureaus until the balance was either paid in full or settled. I have never had XXXX service in my name.
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| 02/05/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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WHEN CHECKING MY CREDIT REPORT TO QUALIFY FOR A MORTGAGE IT WAS DISCOVERED THAT THERE WERE SEVERAL ACCOUNTS ATTACHED TO PLACES I HAD NEVER LIVED IN XXXX XXXX NC DATING BACK APPROX. 6-7 YEARS AGO. DATE OF DISCOVERY WAS XXXX XXXX, 2020. I IMMEDIATELY FILED AN FTC REPORT AS I DO NOT LIVE IN THAT STATE AND LOCAL LAW ENFORCEMENT DIRECTED ME TO FTC WEBSITE. SINCE THEN I HAVE SUCCESSFULLY REMOVED ALL BUT 1 ACCOUNT : BULL CITY FINANCIAL, WHO IS TRYING TO COLLECT FOR XXXX XXXX. I SENT THEM A COPY OF THE FTC REPORT AND CALLED THEM MULTIPLE TIMES. INSTEAD OF ACKNOWLEDGING A GOVERNMENT DOCUMENT THAT I HAD TO SIGN THAT I WAS TELLING THE TRUTH THE TOLD ME I HAD TO PAY THE BILL OR DRIVE TO XXXX XXXX NC AND FILE A LOCAL POLICE REPORT IN PERSON AND SUPPLY DOCUMENTATION OF EVERYWHERE I HAVE LIVED IN PAST 7-10 YEARS. LOCAL LAW ENFORCEMENT TOLD ME THEY SHOULD HAVE RECOGNIZED THE DOCUMENT AND I SHOULD CONTACT YOU AT THIS POINT. i HAVE SINCE UPDATED FTC REPORT WITH THE 1 OUTSTANDING ISSUE AND ATTACH A COPY TO THIS COMPLAINT
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| 03/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Last year i was noticed a company call BULL CITY FINANCIAL SOLUTIONS was on my credit report. I wrote a letter of validation of debt and was sent Certified mail on XX/XX/XXXX and was delivered at BULL CITY FINANCIAL SOLUTIONS on XX/XX/XXXX at XXXX XXXX Delivered, Front Desk. I will attach letter below. 30 days later the information was taking off on credit report then put back on my credit report on XXXX. I sent proof to XXXX via mail and fax but still has not been taking of my credit report it is now XX/XX/XXXX. BULL CITY FINANCIAL SOLUTIONS has not provided me with original contract and security agreement and according to Fair Debt Collection Practices Act. XXXX have not done anything to resolve this simple task because i have done all the work for them. They have cause emotional stress and time lost when i have been trying to send them the documents for them to take the items off my credit report. I again faxed information to XXXX XX/XX/XXXX we will see if they do not receive the documents again!
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| 10/01/2022 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Hello, my name is XXXX XXXX, I have been having problems with this collection agency for some time now I have been contacted by the debt collection agency by the name of " XXXX XXXX XXXX XXXX '' located in NC since the debt went into collection, they were charging me a bigger amount than the original creditor. The debt that they are claiming to be mines is not valid and it doesn't belong to me and is invalid. On XX/XX/XXXX I sent out a debt validation letter to the collection 's agency stating that provide me with valid information showing that the debt was mines, I mailed it to the company by certified mail to make sure the company received the letter and they never reached back out to me to show proof that the debt was mine and that the debt is valid. I have proof of the letter and the date the letter was sent and received by the company I gave them a 30-day validation for the debt, and I still haven't heard anything back from the collection agency, so the debt is not valid, and it's not mines.
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| 12/11/2020 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Recently, I became aware of some unresolved medical bills on my credit report from XXXX XXXX, regarding some unresolved medical bills on my credit report. I have been discussion with Bull City Financial about how to resolve the 8 accounts that they are reporting. Altogether, the 8 accounts that they are reporting total over {$2000.00}. I recently pooled together about {$750.00} to resolve three of the eight collection accounts that they are reporting. But when I called Bull City to pay the three accounts, they told me that they would not delete any of the collection accounts I paid, unless I paid all eight of them. Since each of these debts are a separate listing on my credit report, this made no sense whatsoever to me. What good does it do me to pay any of the collections if they are not going to delete them, after I pay them? Quite frankly, this is extortion. And I told the representative just that. If they are reporting eight accounts separately, I should be able to address them separately.
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| 07/16/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Bull City Financial has damaged me being NEGLIGENT AND UNFAIR. Your company has committed the following damages {$10000.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, XXXX hardship and suffering through loss of XXXX and XXXX.
I was told by Bull City Financial that the item would be deleted if I paid. I did and the account is still being reported.
Account information below : Account number : XXXX Date Opened : XX/XX/2017 Original balance : {$160.00}.
I have made my research and your company is committing multiple violations to the CCRA. Please read them carefully. I need you to take this matter seriously : Failing to honor the deletion of the account after payment was made in full. Account has been re-aged.
Negligence.
Unfair business practices.
have suffered several financial and emotional damages due to this account. I demand to get the account removed from my records. I give you a deadline of 30 days to delete the account from my reports.
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| 07/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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The motorcycle accident took place XX/XX/2019. The only level 1 trauma center close was XXXX XXXX on XXXX XXXX XXXX in XXXX. XXXX XXXX is in my insurance network and my fiance called to confirm that our stay there was covered. My insurance company told her that because the accident resulted in life threatening injuries that any and all treatment inside of the hospital regardless of the provider on call would be covered. The XXXX XXXX billing department billed as they normally would and the insurance company declined to pay certain bills as a result of the bill coding. We spoke with the insurance company and as long as XXXX XXXX changed the billing codes and resubmitted everything the insurance company would then pay. This was about 22-23 months ago and to date there has been no resolve to the past due medical bills. My attorneys office as well as my fiance were unable to get responses from XXXX XXXX regarding these and they have been left unpaid as a result. Thanks again for everything.
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| 05/02/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I've sent out an Affidavit of Truth and Cease and Desist on XX/XX/2021.
The response was incorrect according to the law. I then proceeded to send a Notice of Default and Opportunity to Cure on XX/XX/2021, which has been ignored.
BULL CITY FINANCIAL SOLUTIONS , INC, is in violation of laws listed under the FDCPA.
The law also states An affidavit unrebutted stands as Truth.
Affidavit uncontested unrequited unanswered ( United States v. Kis, 658 F2d 526, 536 ( 7th Cir,1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. March 22,1982 ) " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit. '' ( Group v. Finletter, 108 F. Supp. 327 Federal case of Group v Finketter, 109 F. Supp. 327 ) An Affidavit uncontested unrebutted unanswered, Morris v. National Cash Register, 44 S.W. 2d 433 Morris v. National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true ''
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| 03/30/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I sent a debt validation letter to bull city financial which was received on XX/XX/21 asking for specific documentation including contracts and/or lease agreement baring my signature and any other relevant documentation as proof that this third party company has the legal right to collect not just to verify whether or not the accounts in question belong to me or not. In the process bull city financial sent me an itemized bill with dates amounts and procedures without a signed hipaa release form. I believe that my rights have been violated. Including but not limited to never receiving a notice of intend to collect or proof a notice was sent as required under 1692g, not using the proper procedure to legally verify debt by requested the original creditor send the requested validation documentation instead Bull City Financial sent to me directly disclosing this company as possession and/or direct first hand knowledge of PHI, possibly illegal practice of passive collections ( parking )
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| 11/30/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Servicemember |
|
On XX/XX/2023 I called Bull City Finacal identified myself and requested that an itemized bill be sent to me detailing services rendered and the amount charged for services. XXXX a representive denied my request and stated i sent that it in XXXX. I then asked you sent me an itemized bill and are telling me that you want send me one now?? He said YES. I then asked again the detailed bill be sent and the document with my signature releasing XXXX XXXX XXXX to him be provided he stated I dont have to do that. I then tryed again to resolve the debt and asked could it be negotiated and us settle it someway if he is refusing my request he responded NO it can not you need to pay the entire amount to us. I then terminated the call. This is sesistive to me I am a 100 % service connected XXXX veteran with XXXX and my health information and XXXX XXXX XXXX XXXX was private and no one elses buisness. I NEVER GAVE ANYONE PERMISSION TO RELEASE MY XXXX. Please help me to resolve this issue.
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| 01/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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Good Morning, I have disputed with XXXX and Bull city financial solutions on several occasions since XX/XX/XXXX til the most recent XX/XX/XXXX for a XXXX XXXX XXXX bill. This account was paid in full every month but for some reason Bull city says I owe {$130.00}. I have sent XXXX my bank statements of the timer and amount in question. I have tried calling Bull city financial solutions and I got no response. I tried sending certified mail to Bull city financial solutions to the address listed and the mail was returned as if the address doesn't exists. Ive been trying to resolve this issue for years and XXXX keeps coming back saying the account is verified. Ive been trying to get in contact with Bull city financial solutions for years and haven't got a single response so I am wondering how XXXX is verifying this debt. Bull city financial solutions address listed is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC, XXXX. Phone number XXXXThank you for any assistance you can provide.
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| 04/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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BULL CITY FINANCIAL SOLUTIONS , INC. is reporting false and inaccurate information on my consumer report. I sent BULL CITY FINANCIAL SOLUTIONS, INC. a debt validation according to 15 USC 1692 ( g ) ( b ) to verify the debt obligation. Also, included in the letter was a cease and desist all reporting. I gave them ample amount and of time to respond to validate the debt. BULL CITY FINANCIAL SOLUTIONS , INC. has acquiesced thru their silence and has failed to answer any of my questions. The account # XXXX is still showing on my consumer report. I sent them a NOTICE OF DEFAULT AND OPPURTUNITY TO CURE along with a invoice with FDCPA and Privacy Act violations and the never responded. This inaccurate information on my consumer report has caused me and my family severe harm due to negligence and inaccurate reporting. I, XXXX XXXX did not authorize, BULL CITY FINANCIAL SOLUTIONS , INC . I, XXXX XXXX do not have any debt an obligation to BULL CITY FINANCIAL SOLUTIONS , INC .
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| 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
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|
Web |
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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.
1
5 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.
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| 03/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have disputed this collection with all 3 credit bureaus ( XXXX, XXXX, & XXXX ) requesting written verification from Bull City Financial verifying the debt is in fact mine. However this information has yet to be provided to me. XXXX resolved the issue with my first dispute and removed the derogatory account from my report. XXXX and XXXX have both came back with the dispute as resolved, company confirms debt is certified, but no documentation has been provided. Nor did the collection agency ever try to contact me directly even before sending the account as unpaid to the credit bureaus.
XX/XX/2023 - Disputed with XXXX XX/XX/2023 - XXXX dispute complete, account removed from credit report XX/XX/2023 - Disputed with XXXX and XXXX XX/XX/2023 - Notified that XXXX Dispute is complete and account still remains. Collector certified debt as accurate XX/XX/2023 - Notified that XXXX Dispute is complete and account still remains. Collector certified debt as accurate
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| 01/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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This account was included in a payment arrangement in XX/XX/XXXX ; actively paying XXXX a month non stop. The account was recently ; added to the my credit report as a collection. I spoke with XXXX XXXX and they told me that this particular amount of {$110.00} was added to my account in XX/XX/XXXX and the reason the amount of {$100.00} was added to my account was because I didn't approved the new amount be added to the payment arrangement. I was told on XX/XX/XXXX that this XXXX of my recent payment of XXXX auto draft went toward the {$110.00} bill. This morning I spoke with XXXX at Bull City and he said there was a system glitch with how the system was able to take the {$8.00} out of the recent payment ; and send the remaining amount to collections.
This account has been paid in full ; and I am currently awaiting for the deletion letter as I am under contract for a house. Can someone please help me get this deletion letter asap due to this error.
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| 08/17/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I had an auto loan with the last payment date being, XXXX/XXXX/XXXX. The debt was removed from my credit report in XXXX XXXX. Bull City Financial Solutions bought the debt in XXXX and it continues to be reported on my credit report. I contacted them at the beginning of XXXX XXXX and they stated that I would need to submit information stating when the last payment was made on my account from the original creditor. I contacted Bull City Financial Solutions on XXXX/XXXX/XXXX with the information I received from the original creditor, to obtain information about where to send the verification of the dates they had requested. I was told by XXXX ( would not provide last name ), XXXX different dates that they had on file as to when my last payment was made to the original creditor. I was also told that they do not buy debts and when I requested them to send me information regarding the account they have, he refused to send me anything.
|
| 04/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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This is regarding an alleged debt of {$280.00} with XXXX XXXX that is on my credit report. I have reason to believe I do not owe this debt because I believe they have me confused with a different person. I have been requesting all of the following information be provided to me by mail since 2017 and have yet to receive this information.
1. The amount of the alleged debt including an itemized statement of said debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing they have verified that I am responsible for this debt including my original signature when opening this account.
They have not provided me with any documentation that this debt is mine and refuse to take it off my credit report. I have contacted the said original creditor and they do not have my name on record or this debt.
I would like this removed immediately from all credit reporting agencies.
|
| 05/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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I am writing to dispute a collection account that is reporting different dates of last activity on my credit report. The creditor in question is Bull City Financial.
I have reviewed my credit reports and noticed that this account is being reported with multiple dates of last activity. Specifically, the account is being reported with a date of last activity of XXXX and XXXX. I believe this reporting is inaccurate and is negatively impacting my credit score.
According to the Fair Credit Reporting Act, credit reporting agencies are required to report accurate and complete information about me. The reporting of multiple dates of last activity for the same account is inaccurate and confusing, and I believe it is in violation of the FCRA.
I have reached the credit bureaus and the creditor regarding and it has not been resolved. I am requesting that this account be deleted from all credit bureaus.
Thank you
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| 10/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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A collection agency named Bull City Financial is currently reporting 43 individual and separate medical collections on my credit profile. I recently contacting Bull City to start paying these debts one at a time, however Bull City Financial would not let me choose which accounts I can pay off, and there is no way that I can pay 43 accounts at one time. They told me that anything that I paid them would go towards the grand total of the 43 accounts, and that none of them would be updated as paid until all of them are paid. I told them that this was illegal, but they refused to accept payment on the individual bills. Since Bull City will not accept payment on individual accounts, I want them to combine the total amount owed to their organization in one collection account on my credit report, as opposed to 43 separate and individual listings. I had XXXX, so all of these bills should have been paid already anyway.
|
| 01/15/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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During credit repair, it was pointed out that I have this account showing up on two credit report, XXXX and XXXX. I do not have any contract with this company and never heard of them. I believe that the credit repair company said this was a medical debt claim, which would then be a violation of HIPPA Laws, as I have NEVER contracted with any medical provider to have anything publicized that I am recieving any medical services or treatments with them or any other company or provider. I also receive XXXX, so I have XXXX, as well as XXXX to cover all medical bills. Each medical provider is notified up front and knows what is eligible and what is not. The insurance carrier that combines those together to be billed is XXXX XXXX XXXX and I have previously contacted them about providers abusing me by billing me when they know they are not permitted to do this. I believe this company may fall into that category.
|
| 01/19/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Bull city financial sent me a bill for {$100.00}. I never received an original statement from the listed provider and asked bull city to give provider information to verify the debt and make payment to the original provider. Bull city refused to provide any provider information other than the name. An extensive search of records revealed that that individual is no longer in business in XXXX, does not work at any addresses listed, and does not have a functional phone number. this information was reported to bull city, who still refused to provide information to contact and verify the debt. Since that time, bull city has turned this over to credit agencies, negatively affecting my previously excellent credit score. If this is a legitimate debt, bull city needs to provide the providers information so that the debt can be verified and paid. Regardless, this needs to be removed from my credit report.
|
| 03/09/2018 |
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
|
|
Web |
|
|
I contacted all three credit bureaus regarding unverified debt appearing on my credit report. I sent a individual letters to each bureau asking for verification of debt regarding my credit report and score. On XX/XX/2017 I sent these letters with certified mail and the letters were received by each bureau. The letters simply stated that this debt verified and proof of documentation to be presented within 30 days. If not simply stated the following : Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
XXXX has yet to remove this debt from my credit reports which is adversly affecting my credit score and credit worthiness.
|
| 05/24/2018 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I called XXXX XXXX about a debt that was brought to my attention. They made the claim that I had an outstanding debt. They gave me the address and the information about the collection service. XXXX XXXX made the claim that they could not help me on the matter as they have sold off the account to the debt collector. I then proceeded to call Bull City Financial Solutions, which was the company that has the debt collection. The first thing Bull City Financial Solutions told me was that they did not buy the debt from XXXX XXXX when I told them verbatim what I was told from XXXX. They gave me more information and I told them I have never lived at the location that they claimed the account was for. I asked for the dates of service, which were from XX/XX/XXXX to XX/XX/XXXX, in which I was XXXX and still living with my mother while I was a student at XXXX XXXX College.
|
| 01/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX has put out a blanket statement in the media from XXXX about not using 3rd party collectors to collect past due medical bills and has also wiped out hundreds of thousands of past due medical bills owed to XXXX for excessive collections and lawsuits well I am being collected after through BullCity Financial Solutions for XXXX from a XX/XX/2021 date from the medical provider XXXX I feel this should be immediately deleted from my credit file and sent back to XXXX for me to work out a payment solution with the provider or accept charity or other financial help which is stated in the media release by XXXX. I have contacted the ombudsmen and await a response but I was not giving any notice to this bill being overdue or given a chance to form a payment process it just went straight to collections when there own website billing practices says otherwise.
|
| 09/11/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In XX/XX/2023 I was alerted of an account with XXXX XXXX that had been unpaid and sent to collections. I never opened that account and determined it was identity theft. I filed a police report and FTC identity theft form and submitted it to XXXX XXXX and the collections agency. It was rightly deleted from my credit report and the debt was deemed not mine.
In XX/XX/2023, XXXX resold that debt to another collections agency and it has reappeared on my credit report. I have received no communication from the new debt collector or XXXX regarding the debt. It is for a house I have never been to, and I never gave anyone else permission to open the account in my name.
I have called XXXX to settle this multiple times in XXXX and XXXX but they are unhelpful and refuse to remove me from the account even though they know it was not me and was illegally opened.
|
| 10/31/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/XXXX Notification received from Debt collection agency named Bull city Financial Solutions , Inc Ref No : XXXX Payment asked from me XXXX for XXXX XXXX XXXX, Account No : XXXX Creditor/Utility company : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I provided my final XXXX statement as a proof that this property was sold on XXXX XXXX and there were NO pending payments for XXXX XXXX as that time as I had cleared all my past dues.
I tried calling XXXX XXXX multiple times but they have no records of my account any more. I then asked Bull city to forward me a copy of the delinquent utility bill with details of usage and dates for the account number in question. However, till now they have only managed to send me a letter stating the same on XXXXXXXX XXXX letter pad. There is no evidence of me being delinquent that I have seen or convince myself with
|
| 06/06/2018 |
No |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
Servicemember |
|
I was contacted at my placed of employment by Bull City Financial. I believe that I owe {$220.00}, which is an estimate. I have spoken to them before to try and resolved the debt but advised at the time that I had to call back to make sure I had the funds in place. This was during the week of XX/XX/XXXX, and I can not remember the exact date that week. My father recently passed and reviewing old debt was the last on my list. When I spoke with a representative on or about the end of XX/XX/XXXX, my contact information was verified with them. Today XX/XX/XXXX a representative called me on my work phone without authorization. They were not advised that this was a viable number to call and it is disruptive to my work. I would like them to be sited for their debt collection practices and this cause undue stress and reprimand from upper management.
|
| 09/13/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX and XXXX are listing a credit collection account ( Bull City - Acct # XXXX ) that does not belong to me. I have previously filed an investigation with XXXX and XXXX explaining to them that this collection account does not belong to me. XXXX and XXXX sent me a response and said that they verified it does belong to me and I would need to contact Bull City directly if I disagreed with their decision. So I wrote Bull City a letter and told them they were listing a collection account that does not belong to me. I asked Bull City to either validate this alleged collection debt or delete it from my credit reports. I sent the letter over 30 days ago and I have not received any response from Bull City. Since Bull City can not validate this alleged debt, I would like for them to delete this collection account from my XXXX and XXXX credit reports.
|
| 05/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Bull City Financial is trying to collect a debt in the amount of {$110.00} from XXXX XXXX. This account was paid in an insurance settlement with XXXX XXXX. I have contacted XXXX XXXX and Bull City Financial to have this account removed from my credit. Despite multiple attempts, this account remains on my two of my three credit reports. The account was removed from one of my credit reports when I initially disputed the account on all three credit bureaus, and was reported as " verified and accurate '' on the other two. I have provided documentation from Progressive insurance to both XXXX XXXX and Bull City Financial detailing when the check was sent to XXXX XXXX and the date it was cashed by XXXX XXXX. I would be happy to upload that document here as well. I am trying to buy a house and this collection account is severely hurting my credit.
|
| 07/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XXXX XXXX I sent a certified letter to Bull City Financial solutions for debt validation. the letter arrive to the company on XXXX XXXX. I mention in my validation letter to please provide me with competent evidence that I had any legal obligation to pay them. i mention to please reply back within 30 days with proper documentation. If the office fails to respond to my validation request within 30 days from the date of receipt, all references to the account must be deleted and completely removed from credit file and a copy of such deletion request shall be sent to me immediately .On XXXX XXXX a negative was still reported on my credit reports but still I never received a response to my validation letter with the requested information i asked from the company i provided a four page validation letter package for the company to complete.
|
| 05/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
I have asked for help since XXXX to present with a medical debt from XXXX XXXX. Im having hardships and unable to pay due to Covid-19 hardships. The account was sold to Bull City Financial Solutions. Bull City has reporting negative on my credit report for years. May I ask for a Goodwill Deletion on my credit report. I am seeking and applying for a mortgage and Im receiving social security XXXX funds.
I have asked for help since XX/XX/XXXX with a debt due to Covid-19 hardships from XXXX XXXX XXXX XXXX XXXX XXXX XXXX acquired the account and now has sold the account on XXXX to XXXX. XXXX has threatened to sue me for an old credit card debt. XXXX I ask for a Goodwill Deletion on my credit report. I am seeking and applying for a mortgage and Im receiving social security XXXX funds Yours very truly, XXXX XXXX
|
| 10/15/2017 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX XXXX is reporting at least all three major credit agencies that I have two accounts XXXX XXXX with unpaid balances. The issue is that those accounts have been paid. The accounts were paid prior to my establishing new services with XXXX. In order to establish services with XXXX XXXX all unpaid balances must be paid. The last account I had with XXXX XXXX was at XXXX XXXX XXXX, XXXX, NC. I had the account at XXXX XXXX XXXX for over 2 years and I have attached a screen shot showing that the balance is {$0.00}. XXXX even returned a portion of my deposit that did not go toward the last bill. Plus XXXX XXXX XXXX XXXX is reporting that both of these accounts were open in XX/XX/XXXX. I had services on XXXX XXXX in XX/XX/XXXX - XX/XX/XXXX, and on XXXX in XX/XX/XXXX. Both of those accounts were paid.
|
| 01/04/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I saw on my credit report a derogatory mark for a place called Bull City Financial. They then told me i owe money for a bill at an address i never lived in. I then told the debt collectors to remove the debt from my credit because it is not mine. i sent them the proper information to prove that it was not mine. I had the person who was responsible for the bill ( my father, we have the same name ) tell them it was his bill, they still said i am responsible for it. Now upon telling them numerous of times i have sent the the proper paper work to prove it is not mine they still keep telling me it will remain on my credit report until it is paid. If it was my bill i wont have any problem paying for it, but unfortunately for them it is not mine. My credit is getting lower and lower because of this situation.
|
| 01/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Visited XXXX for consultation for upcoming XXXX XXXX. Primary and secondary insurance paid in full. A year after the fact I get a notice for a collection agency stating I owed the provider {$270.00}. On seven occasions from XXXX XXXX XXXX ( see attached letter ) I contacted my primary insurance, and they said I owed nothing. On four occasions from XXXX XXXX XXXX I contacted the provider to no avail. I contacted XXXX who provided no help or resolution. I also contacted the collection agency to no avail.
XXXX place a delinquent note on my credit report for the {$270.00} which is unfounded and has affected my credit score. I was informed it would stay on my record until some date in the future.
I have attached the same documents for your review that I have provided all parties multiple times.
|
| 02/19/2019 |
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
|
|
Web |
|
|
Bullcity Financial Solutions in XXXX, NC continues to report fraudulent transactions to my credit report continuously dropping my credit score. I have disputed this before when I first saw it on my credit in XX/XX/XXXX. It was removed from XXXX and XXXX. I've had thr hardest time getting it removed from XXXX and have been constantly fighting it bc I've never lived at the address they have on file. Now since then they have reported to my credit again in once on XX/XX/XXXX & on XX/XX/XXXX both on XXXX lowering my score by 6 points and then also to XXXX on XX/XX/XXXX lowering my score by 33 points. It is also back on my XXXX. They are all showing as new delinquent accounts as if this is new. They have a 1.6 star rating and everyone is having to file complaints bc their credit is being ruined
|
| 05/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Bull City Financial Solutions, a debt collecting agency, repeatedly contacted me for the debt owed by a previous tenant of the apartment I currently rent. I was called several times, and each time there would be no response when I answered the phone. I was called XX/XX/XXXX ( answered ), XX/XX/XXXX ( answered ), XX/XX/XXXX ( missed ), and XX/XX/XXXX ( answered ). When I finally called them back ( XX/XX/XXXX ) after XXXX the number, they indicated that they were attempting to reach the previous tenant, who is someone I have never met or had any association with. This seems to indicate that Bull City Financial Solutions contacted the management of my apartment complex and the management gave them my contact information since I live in the same apartment that the person with debt lived in.
|
| 09/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
BULLCITY FINANCIAL SOL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Submitted a collection account with XXXX XX/XX/2021. BullCity Financial never made an attempt to notify me via mail or phone of this alleged collection. They simply submitted a collection to XXXX, which I was altered to. I have opened a dispute with XXXX, which they supposedly " verified '' the information, and updated my credit report, which the collection stayed. I reopened another dispute, and submitted more information. I sent BULLCITY FINANCIAL and XXXX a certified letter on XX/XX/2021 disputing the charges, collections and inaccurate ( damaging ) reporting to my credit report. Additionally, as a bullying tactic, they continually keep " updating '' reporting to my XXXX Credit Report five times in less than a month.
|
| 09/17/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
MY COMPLAINT IS AGAINT BULL CITY FINANCIAL SOLUTIONS!
They have posted several times on my credit reports and I lived abroad from XXXX, so its impossible for them to have put this on my credit. I then found out in 2016 from the IRS that my identity was stolen, however the IRS does not tell you the details of the investigation only that its resolved or not. Throughout the years they have no been able to provide proof to verify, and I have never entered any contracts with them. They also have posted the same bills 2 or 3 times with same amounts on my credit reports. IF this does not get resolved immediately I am seeking legal action as this has affected my life. I have a passport to prove i live out of the country as well as several articles written about me in the country I lived.
|
| 09/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Bull City Financial is collecting on behalf of XXXX XXXX. They submitted a negative credit report even though I disputed it. They have contacted me about multiple claims, most recently in the amounts of {$550.00}, {$460.00} and {$300.00}, for medical services that I declined and they provided against my wishes. Their physician apologized to me at my release because of their provider 's error. Bull City finally removed an old claim from my credit that I disputed for years but they are still trying to collect.
I have tried to dispute with XXXX and with Bull City, but Bull City refuses to even acknowledge that I am trying to provide information to correct this error, and XXXX keeps trying to get me to fill out paperwork for XXXX XXXX but will not address the error.
|
| 02/16/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have tried for several years to correct my issues with the three agencys as well as the debt collectors once I found out they were on my credit report, they are all from : Bull City financial solution : ( 1 ) XXXX XXXX amount is {$160.00} XX/XX/XXXX ( 2 ) XXXX XXXX amount is {$160.00} XX/XX/XXXX When I spoke to there billing department they stated that it was a automated duplicate bill due to them changing there billing soft ware. However they would correct the problem but the collections agency left it on my credit report.
( 3 ) XXXX XXXX amount {$150.00} XX/XX/XXXX ( 4 ) XXXX XXXX amount {$150.00} XX/XX/XXXX Again its the same problem, the billing department states one thing and the collections agency and credit departments still turned in on my credit report.
|
| 10/15/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Received notice of bill. Did not state I could dispute just demanded payment. Sent a validation letter in XXXX of XXXX. Never received a single validation or notice or anything. Then they put it on my credit report dropping my score without a single response to my letter. Filed dispute with credit bereau. XXXX city lies and claims they never got a letter. Funny how theses collection company always lie and claim they never got a letter and then once they are notified to remove it from the credit report because they failed to follow fdca guidelines they have not removed this. This item was also paid for by insurance It is not a valid debt it is also a medical debt and can not be placed on credit report They have violated every single fdca act law and should be fined
|
| 03/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2018, I sent Bull City Financial Solution a DEBT VALIDATION letter to validate the collection they placed on my credit report. Its been well over 30 days and I havent received anything back from them with this information. As per the FDCPA, I have the right to request validation of the debt.
I have been a victim of identity theft a couple of years ago and I am trying to slowly start cleaning my credit report due to the damages caused. I never did business with them and I have disputed this collection twice already and I am getting nothing in response. A collection bill is not validation and I have a right to be provided with proof or this collection needs to be removed. Its hurting my credit score badly and making me unable to obtain my goals.
|
| 08/02/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have sent Bull City Financial Solutions dispute letters and Fraud Affidavit informing them that I was a victim of identity them. I sent them this form on XXXX XXXX, 2016. Someone use my information without my knowledge. I have disputed this claim with both XXXX and XXXX and they have stated that Bull City Financial verified that the information that they are reporting is 100 % accurate. According to the laws, if the information is not accurate then they must remove this information from my credit file. In this case, this account must be removed because it does not belong to me and I have sent Bull City proof of this. I need your assistance in getting this matter resolved because I am tired of going back and forth with Bull City and the Credit Agencies.
|
| 10/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Bull City Financial has chosen to violate my rights under federal law as a identity theft victim. This company has been notified by myself and also several credit reporting agencies that the account they are reporting has been flagged as fraudulent. Bull City still hasnt corrected their errors and is intentionally reporting Fraudulent information. I have contacted this company over 50 times, the moment I request to speak with their fraud department they immediately disconnect the call. This complaint will also serve as my legal evidence that I have exhausted every means possible to fix this fraudulent issue with Bull City Financial and will be seeking {$250000.00} in Federal Court for Defamation if this issue is not resolved in five business days
|
| 03/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a notice in the mail from Bull City Financial Solutions , Inc stating I owe XXXX XXXX {$1000.00} and that {$450.00} has already been paid and {$620.00} is still owed and that I have until XX/XX/XXXX to call in to dispute the debt. I called on XX/XX/XXXX and spoke to a man claiming his name is XXXX and I filed my dispute stating I don't owe the money and what I do owe from my hospital visit on XX/XX/XXXX both hospital and physician bill is on a monthly payment plan of {$50.00} that is paid through the billing service used by the hospital and physicians. To this day I still haven't received the itemized bill with list of charges, insurance payments, direct payments, etc from Bull City Financial Solutions , Inc. pertaining to my dispute.
|
| 08/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
This is concerning XXXX XXXX of North Carolina. I was first contacted in 2014 by their collection department stating I owed {$200.00}.
I explained to the person that I have never lived in the State of NC so this was impossible & that someone must be using my personal information fraudulently. They did their investigation and told me they obtained my information from a rental application for an apartment. I then contacted the rental company who had also filed a claim against me for non payment of lease. I was shocked because I have never lived in NC. The rental agency cleared me of all liability. I contacted XXXX XXXX again and they assured me not to worry that the charges would be deleted. I thought this was supposed to be handled in 2014.
|
| 08/31/2017 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX, I noticed a mark on my credit reports that I had no knowledge of. Thus, I disputed the debt with all of the credit reporting agencies, and except for XXXX, the results came back as " verified and accurate '' from the credit agencies. As a result, I wrote a letter to Bull City Financial Solutions on XXXX/XXXX/XXXX asking them to provide me with the documents used to verify this debt. BCFS received my letter on XXXX/XXXX/XXXX. Admittedly, I know that they have at least 30 days to respond to my letter, however, I also know that this is not my debt. Thus, BCFS is violating the FDCPA. This company is reporting a debt on my credit profiles that is not mine nor do they have any contractually binding documentation that states otherwise.
|
| 05/24/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Bull City Financial Company represents XXXX XXXX located in XXXX North Carolina. Received a service on XX/XX/2015 that did not meet the requirements of what the dentist had discussed he was going to perform. What was supposed to be a XXXX to be XXXX I received a bill for a XXXX XXXX. In which within 14 days my filling came out from the XXXX and exposed quite a bit of XXXX XXXX and a XXXX XXXX XXXX XXXX in my XXXX. I have notified the XXXX about this right away and not only was I not pleased with the incorrect billing but that the service that was given to me on XX/XX/2015 was not successful. I have gathered several pictures to prove this was not a successful visit and was given a bill for {$1000.00} for a service that I never did receive.
|
| 03/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
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.
|
| 10/30/2017 |
No |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I wish to file a complaint against Bull City Financial Solutions for listing a zombie debt of {$6800.00} on my credit reports and ruining my credit. I paid an account off with XXXX XXXX XXXX XXXX in XXXX. I pulled my credit reports in XXXX XXXX, I find a collection account on my credit reports from Bull City Financial Solutions opened in XXXX XXXX for the account I paid off at XXXX XXXX XXXX XXXX in XXXX. I am very upset about this! Bull City Financial Solutions needs to remove this account from my credit reports immediately. Bull City Financial Solutions is/has violated the FCRA and my consumer rights. Please make Bull City Financial Solutions remove this fraudulent, inaccurate and erroneous account off my credit reports. Thanks
|
| 08/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Looking over my credit report and noticed there were accounts that do not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : BULL CITY FINANCIAL SOLUTIONS- # # # # # # XXXX, BULL CITY FINANCIAL SOLUTIONS- XXXX # # # # # XXXX, BULL CITY FINANCIAL SOLUTIONS- XXXX XXXX # # # # XXXX, BULL CITY FINANCIAL SOLUTIONS- XXXX XXXX XXXX # # # XXXX, BULL CITY FINANCIAL SOLUTIONS- XXXX XXXX XXXX XXXX # # XXXX, XXXX XXXXXXXX XXXX # # # XXXX XXXX # XXXX, XXXX XXXX # # # # XXXX # XXXX, XXXX XXXX XXXX XXXX # # # XXXX XXXX XXXX XXXX.
|
| 05/19/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company which I believe is a third party is trying to make me pay a debt that is not mine. How they got my name or social security number is beyond me but at this point I do not trust this company and would like to solve this in a court of law under oath where this 3rd party can present signatures, DNA, pictures or something to show who started this debt to clear my name. Court is the only safe option. As professional thieves this crooked company are they ask for information that can not be obtained. If I can show two things its not good enough because they want 4 or five its a bullying tactic that they knew is impossible not only that I do not trust these crooks at this point with anything.
|
| 12/25/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have a debt for {$560.00} on my credit report that was originally reported XX/XX/XXXX. After checking my report today, the {$560.00} is listed as a new debt with a new reporting date of XX/XX/XXXX. I received a letter from the company of a new debt for {$88.00} that would be added to my credit if not paid in 40 days. I was given a reference and invoice number to pay that debt. That debt was paid and not reported on my credit. I want the the {$560.00} debt removed from my credit as it appears this is a new debt and has affected my score. No where did it say I was paying on this debt for it to be reported as new activity. I have proof this is an old debt and proof of the new debt that was paid.
|
| 04/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I checked my credit report and noticed that a debt collector which goes by Bull City Financial was reporting and trying to collect on a debt that I had no knowledge about in return I contacted the original creditor which is XXXX XXXX with the information that Bull City was reporting ( i.e dates account was opened, amount and date of deliquency ) and was told there was no outstanding past due accounts. I than contacted Bull City to get verification/validation of debt and have never received any correspondence than shows proof this debt is mine nor have I received any form of documentation. I also filed a complaint with the XXXX XXXX hopes to getting this resolved and again received nothing.
|
| 03/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Had a loan account with XXXX XXXX XXXX XXXX. No debt collection attempt was made and then received notification from a company named Bull City Financial. When I called XXXX XXXX XXXX they told me they had no information but for me to try and contact Bull City. i never had any account or agreement from Bull City also was never notified of any debt collection from XXXX XXXX XXXX XXXX. I have a {$0.00} account and showing 100 % paid off per attachment. Bull Ciry also has no documentation or loan paperwork as evidence of debt per my repeated request to have sent to me on the debt which is a violation of federal laws stating Providing validation to consumers to prove the right to collect debts,
|
| 04/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I saw on my credit report that I had multiple accounts adding up to the amount of XXXX. I wrote to the hospital and applied for financial assistance. I never heard back. It has been more than six months. The debt is in collections at Bull Financial account # XXXX BULL FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. I requested validation of the debt. They responded with medical records, a Direct violation of HIPPA regulations. Not only did these documents have procedures and/ or medications received, but they also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I never signed a HIPPA form authorizing access to any such third parties having access to my records.
|
| 05/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
This company and several before it have tried collecting a debt of XXXX XXXX I tried several years ago to verify this debt with the original creditor duke energy. They have no record. I have gotten this account removed several times and it just changes hands and hits my credit over and over again as a new debt. I have called recently to XXXX XXXX ( XXXX ), again no record of debt. I do not owe this money and have never owed this money. I disputed last month because it hit my report again but I notice my social was wrong, so I called XXXX and you know what happened? They changed the social! What kind of XXXX is this? Are credit bureaus and debt collectors working together now?
|
| 05/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Bull City Financial Solutions sent me a collection notice in the amount of {$65.00} the letter is dated XX/XX/2023. The original debtor is listed as XXXX XXXX with the account number XXXX once again Bull City Financial Solutions sends me no documentation to support this bill that has already been paid to XXXX XXXX. I need documentation along with itemized bill showing what my insurance has paid along with the payments that I have paid. I have disputed this with the company and still have yet to receive any documentation per my request and dispute. I want the documentation sent to me and also I would like collection efforts to cease since this amount has already been paid.
|
| 10/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am contacting you in dispute of the below collection agency, recently the credit bureaus determined this account was correct despite my dispute for the health care agencies reasons listed below. To date these negative accounts are appearing on my credit report. In my opinion these were unfair or deceptive business practices. The billing person ( s ) failed to process these medical bills in accordance to the Office of Workers Compensation/Bill Processing, neither did they contact me to utilize my secondary insurance once the bills were denied payment.
Bull City Financial Solutions XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( Collecting for 2 ) XXXX, NC
|
| 05/03/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
The hippa form said that I allow them to discuss my medical record with whomever i add on the form, I did not add bull city financial. I asked for verification of a medical debt and they sent me the procedures of what was done along with the dates, amounts, etc. They were only suppose to have the dates and the amount owed. So when i called them they claimed they have a partnership with XXXX XXXX thats the reason they have access to my files. The bills were suppose to be filed with XXXX and XXXX XXXX within XXXX pays. someone dropped the ball and did not file the bills with the agencies which has caused me to be affective by a negative credit history.
|
| 05/23/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX XXXX , a debt validation letter was sent t o Bull City Financial re questing validation of this debt allegedly owed. I 've also sent this thru cbr dispute. Bull city is inaccurately " verifying '' this info through them. I 've asked to receive a copy of original documents with my signature. As of X/XX/17 bull city has failed to respond to my request. Instead on X/XX/17 I received correspondence from aforementioned company with a bill also listed on an address I 've never lived at. I 've yet to receive any original documents as outlined in attachments. This continues to report to cbr and is not marked as in dispute as requested on letter either.
|
| 09/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On several occasions I have contacted Bull City financial Solutions : XXXX XXXX XXXX XXXX # XXXX, XXXX, NC XXXX about a {$330.00} debt on my account for a account at XXXX XXXX. I have submitted letters stating this debt is not mine at no time did I authorize services in my name nor have I had them. I sent proper documents stating this that they have requested and they have refused to respond nor remove this item from my credit report. It has been more then enough time for this item to be removed.This debt does not belong to me and I have provided more then enough information to show this. I do not know what else I can do to get this removed they refuse to do so.
|
| 07/31/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Upon further investigation, I have retained new copies of my credit reports, and noticed that they did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XX/X/17. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
|
| 01/21/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Bull City Financial needs to be removed from all three of my credit reports. When I call the phone number to try and resove the dispute, the company never has agents available. It does give you the opportunity to pay your bill through the automatic phone system, if you have an 8 digit code ( which I do n't because I was never sent a letter or certified mail regarding this debt ). No humans can be found to take your call. ( XXXX ) XXXX this is the number, I find it hard to believe that the credit reporting agency can verify this debt when I ca n't even speak to a person. This debt is through XXXX XXXX, and it was assigned to my ex in our divorce decree.
|
| 04/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Please refer to the attachments. The first attachment will show an intercepted tax refund lien by XXXXXX/XX/XXXX, which intercepted my XXXX tax refund to pay their debt in full. The amount applied was {$380.00}, which paid the debt in full in XXXX XXXX. However, BullCity acct : XXXX, through their client XXXX XXXX is currently reporting the collection on my XXXX Credit Report as a balance owed ( Please refer to the attached XXXX Screen shot of my credit report. Bull City has reported the collection in XXXX, XXXX, and now in XX/XX/XXXX. Additionally, I have contacted XXXX XXXX and XXXX disputing the inaccurate paid debt, which neither has taken action.
|
| 07/26/2021 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I contacted Bull City in XX/XX/2021 via phone regarding a collection account I did not recognize. The collection agency representative I spoke with could not locate me in their system based on my personal information that I provided. The representative then advised she would contact her supervisor and get back to me. I never heard back. I later filed a complaint against this company and which they removed the collection account from my XXXX and XXXX reports. They have now forced this fraudulent account onto my XXXX report. I have notified XXXX on multiple occasions this is not my account and is a result of fraud and they refuse to remove it.
|
| 11/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Bull City Financial of XXXXXXXX XXXX has reported 2 debts ( {$210.00} and {$220.00} ) which were paid and a certified letter with proof sent to them. They also reported a debt of {$550.00} which I NEVER received any correspondence on. The first I ever heard about this was after the credit bureaus informed me of it. I have no contract with XXXX and they are in violation of the FDCPA and FCRA. Something needs to be done about this group and its practices. I want full proof they sent these notices including delivery receipts, which I am sure can not be provided. As such, I expect this and anything from XXXX removed ALL credit bureaus immediately.
|
| 02/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On this date, XX/XX/2018 company opened a collection.
Account # XXXX {$290.00} That I owe.
I have never signed any written document saying that I owe this debt to the collector.
Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4.
I do not know who they are and have not written consent from my end.
Also, they have not verified that I owe this debt to this alleged company.
Please have this removed from all three credit reports.
XXXX XXXX
|
| 01/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The date of service was XX/XX/XXXX with XXXX XXXX XXXX, XXXX, of XXXX XXXX XXXX XXXX a branch of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ). I received a collections letter from Bull City Financial in early XXXX of XXXX for the amount of {$120.00}. I paid the full balance on XX/XX/XXXX directly to the provider. I received a receipt from the provider and a receipt mailed from Bull City Financial. I have disputed this item multiple times with XXXX and Bull City continues to furnish incorrect information making it appear as if this item remains unpaid. The item has been deleted from XXXX, and XXXX, however XXXX continues to report this debt.
|
| 05/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is my second complaint regarding this company. When I checked my credit report and saw I have a collections account from Bull City Financial Solutions. I sent this agency a letter on XX/XX/19 and again on XX/XX/19 asking they validate the debt. The agency has not replied to any of my letters but yet continue to report the account to the credit bureaus as negative. I filed a complaint on XX/XX/19 regarding this issue and the company responded on XX/XX/19 stating they sent me validation. That is far from the truth. This agency has NEVER sent me anything. I have reached out to them numerous of time to validate the debt but with no success.
|
| 11/06/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
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 U.S.C 1681.
Bullcity account numbers : XXXX, XXXX, XXXX XXXX 15 USC 1681 Section 604 ( a ) States a consumer reporting reporting agency can not furnish a account without my written instructions.
This company is violating my rights of privacy and my rights as a consumer. I did not give any written consent to post my medical information on my credit report. I don't even know who this company is or how they obtained personal information to even report to the credit bureau.
|
| 12/20/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I recently discovered that Bull City Financial has reported 18 medical bills on my credit report. I have health insurance, so there is no way I can have this many unpaid medical bills. Prior to these accounts showing up on my credit report, I never received any notice of my right to dispute these items. So I called Bull City Financial, and they told me that I should dispute the accounts at XXXX, which I did. All they did was confirm the bills to XXXX. I still have not received any verification of the medical bills from Bull City, and I still have received no explanation on why they reported all of these things without contacting me first.
|
| 08/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
i XXXX XXXX as the victim reporting identify theft as i seen and noticed on my credit report an unauthorized collection from XXXX XXXX XXXX XXXXBull City Financial Solution with a open balance of {$370.00}, my personal information was stolen and someone had use my identity information to open this account on XXXXXXXX XXXX.i have no knowledge of this account and This account is not mine i noticed that this unauthorized and unverified collection account had been open in my name without my consent without my knowledge. i XXXX XXXX would like to have this collection account DELETED and REMOVED from off my credit report as soon as possible.
|
| 10/22/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I've been working on fixing my credit since XX/XX/XXXX, I've disputed this account with the three major credit bureaus for the last 12 months. The two collection accounts reporting from bull city financial were deleted from XX/XX/XXXX; but continue to report to XX/XX/XXXXand XX/XX/XXXX. XX/XX/XXXXand XXXX claim these accounts were verified, however when I ask for the method of verification I don't get a response. I've tried disputing directly with bull city financial back on XXXX ( please see attached document ) with no response. I am unclear on how these accounts are still able to report on my credit report without any verification.
|
| 12/02/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
|
| 04/08/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Bull City Financial sent me a bill from XXXX XXXX in the amount of {$950.00}. The problem is the bill only states that I owe for XXXX. I have no information on the bill of what it is I am paying for. It doesnt tell me what services I received or anything. I have written them certified letters on XX/XX/22 and XX/XX/22 requesting that they send me the information on what it is they are asking me to pay for. So far Ive received nothing. This has destroyed my credit I had a XXXX credit score before and now it is a XXXX. This company is asking me to pay for something that they refuse to tell me what service I received in return.
|
| 10/24/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company " BULL CITY FINANCIAL SOLUTIONS '' put a collections of debt notice on my XXXX credit report. When I called them, they stated they have no record of me yet they were able to upload the collection to my XXXX credit report as I am getting ready to finance for a new home. They stated to just dispute the claim which is delayed. Their data practices are not correct if they can submit a damaging claim and not correct it.
Bull City already informed me due to their lack of data management they can not do anything for the damage caused. This was complaint process is a formality before getting an attorney for damages
|
| 09/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
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.
|
| 02/09/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
When I was pregnant, I had insurance from the state. They charged me fees that should have been included with the insurance that I had. This has been going on for years and I tried to explain that I do not owe and they insist on still charging me. I asked them about the debt and they sent it to an address that I did not live at anymore and they told me that it was sufficient enough. I told them that I haven't lived at the address for years. I also asked them if I could show the insurance dates because I had proof and they did not want to see it. So I am reaching out to you because I need help with this ( CFPB ).
|
| 04/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am not familiar with these items and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and are not my accounts. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you.
|
| 09/13/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
On XX/XX/2018, I recieved a debt collection letter from BullCity Financial Solutions Inc. XXXX XXXX XXXX XXXX # XXXX XXXX NC XXXX ; telling me I owe {$1000.00} for a debt from : XXXX XXXX XXXX XXXX AT XXXX, account # XXXX, service date of XX/XX/XXXX Regarding XXXX, XXXX.
The letter states that if I do not dispute the validity of this debt within 30 days they will assume it is valid. Sincerely XXXX XXXX XXXX, XXXX.
I have know idea what this debt is as I have not been to Texas in the past 5 years. I'm afraid to contact them and give them my personal information because of all the scams going on.
|
| 07/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Someone that I am no longer associated with a couple of years ago opened up a utility bill with my information fraudulently without my knowledge I was left to not knowing why the debt occurred or appeared on my credit report and when I attempted to learn more information about it was not able to but now I am held liable for a utility bill that I didn't do nothing about for residents that I never lived. When I did contact the debt collector they were supposed to send out identity theft packet that I never received and they were unwilling to really work with me and meet me halfway for a resolution
|
| 05/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Viewed my credit report about 2 years ago and seen bull city financial which is a collection agency for XXXX XXXX XXXX in the amount of {$600.00}. This debt has never been validated after numerous attempts. I have never signed a contract nor have I had a verbal contract with them. I am not aware what address I was supposedly living at, not aware of an accurate amount, never received mail about the debt. Since moving from XXXX to XXXX in 2014 my electric bill has always been in my husbands name ... please verify and validate any contract and amount and address please. This debt is fraudulent
|
| 06/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have tried several times contacting Bullcity Financial to validate the debt that they are saying I own. I never signed any contacts with this company or any utility company to begin with. I told them I was a victim of fraud. I took the all the steps I needed to prove my side and have just been ignored. I even went as far as proving that I wasnt living at the address at the time of the service. I DID not authorize it. Ive contacted all 3 of the credit bureaus and Im not getting anywhere. They are all acting like I have not been writing letters and trying to clear my name. Next is a lawsuit
|
| 11/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
They sent out attempt to collect a debt letter after I hold them to cease and desist further communications after the said they don't own the debt. Nor do they have chain of title. Employee kept asking for my personal information. And would not answer questions about this company ownership of the debt. They need to STOP reporting Derogatory information on credit profile as it is not an open active account it is a closed account and settle with XXXX XXXX. I don't owe Bully financial nothing. There trying to pressure me to pay them with threatening reporting information. I need them to stop
|
| 07/07/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contact Bull City Financial Services 2 times sending validation of debt. I have not received any information validating the debt in the amount of {$950.00}. I have sent certified letters 2 times and have waited the the 30 days each time, with no response from Bull City Financial. They are reporting on all 3 credit bureau 's. I have requested the item to be removed from all 3 credit bureau 's and they are still showing hurting my credit. I'm trying to buy a home and this is causing me such financial hardship. Please have have 3 credit bureau 's remove from my reports.
Thank you
|
| 09/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
ON XX/XX/2021 I attempted through the XXXX Dispute forum to dispute the validity of the debt as well as inform them and warn them for the third time that they are in violation of the FCRA, as both they as an organization that bought the debt and the original owner of the debt XXXX XXXX are both reporting the same debt which is not allowed. Bull City just keeps responding that the amount and debt is accurate and refuses to remove the item from Collections. Bull City needs to be fined for an FCRA violation and censored and have the privilege of reporting debt taken away from them.
|
| 07/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Bull City has been reporting inaccurate information my credit report. Further than that they have sent me mail disclosing personal medical information that was never supposed to be sold to a third-party or a Third-Party creditor at that.
The Fact that i am medically insured alone is what makes me feel vulnerable about going to the hospitals and receiving operations because they may still sell my information to complete strangers which VIOLATED MY HIPPA RIGHTS.
I have disputed these accounts on many occasions on one occasion i recieved the response I attached to this Complaint
|
| 03/01/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2022, I sent a certified letter to Bull City Financial Solutions. The letter was a standard debt verification letter. I received a response via mail dated for XX/XX/2022. The response was a print out of a supposed bill/procedures. Attached in the letter was assuming doctor visits and lab procedures that were performed. This documentation is in violation of my HIPPA law. I did not authorize them to have any documentation of any of my medical history or anything relating to anything I may have done at my doctors office. They could not verify that this debt belongs to me.
|
| 11/18/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There are approximitely 8 collection accounts with Bull City Financial that are the responsibilty of the North Carolina Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was XXXX when these providers were used. The North Carolina Department XXXX XXXX is responsible for these invoices. Please contact XXXX XXXX, Acting Controller for XXXX. Her number is ( XXXX ) XXXX, Fax ( XXXX ) XXXX. The collection agency refuses to put in a dispute or take these off my credit report, which is in violation of state statute, as well as U.S. Const. amend. VIII and N.C. Const., art.I section 27.
|
| 12/29/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I am writing this complaint due to Bull City Financial not responding to my request for validation of this debt. I have written a letter asking for this information in XXXX XXXX with no response and I have also contacted them via telephone with no end result of receiving this information. They are still reporting this information on my credit reports and the 30 days to verify and validate the debt has passed. I would like for them to remove this information since they have not validated this debt in an accurate manner. Both debts are totaling {$280.00} from XXXX. Thank you!
|
| 10/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On the XXXX of XXXX, 2021, I sent out a letter requesting XXXX XXXX and Bull City Financial Services to validate a medical collection item for {$380.00}.
In response to this letter, the collection agency ( Bull City Financial ) responded with a debt collection letter as well as a full copy of the bill with a full description of the services provided to me without proof that I signed an agreement to release my information to them.
XXXX XXXX sent a response stating that " the company that reported the information has certified to XXXX that the information is accurate ''.
|
| 07/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
|
| 09/11/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
In XX/XX/2019 I was diagnosed WITH XXXX XXXX AND was sent to the University XXXX XXXX XXXX for treatment. I spent a total of 50 days in the hospital. I have not worked since that period. XXXX pays my COBRA and meds ( most ). I was put on XXXX but haven't received a check after six months. I have contacted Bull City Finical and if you take note all billing is for the same date ( XX/XX/2019). I filled out the paperwork and submitted it to XXXX for aid if I owe them. It is pending.
I have work hard to repair and rebuild my credit only to have it drop by 76 points..
|
| 11/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
bull city placed two accounts from XXXX hospital in collections on the 3 credit bureaus I applied for and was approved for 100 % financial assistance and Bull City the collection agency for XXXX was to notify all credit bureaus and remove the amounts of {$840.00} and {$310.00} and will no do so. I have the letter showing I was approved I spoke with XXXX and they informed me they had spoken to Bull City and instructed them to remove them from my credit reports and they still have not. I included the letter showing I was approved and they go back 3 years and pay.
|
| 08/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
We keep getting voicemails from Bull City Financial for debt collections however we have no debt and have perfect credit. They leave robomessages and it is hard to get in touch with a person. I have looked into this company online and it is a scam. They either are calling the wrong number, or they try to collect mo that was already paid in full. They put stuff for other people on individuals credit reports. This company needs to be shut down or heavily regulated. This is not okay by any means for this to go on. Please do research and XXXX this company down.
|
| 12/05/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Bullcity/unknown company is reporting information on my credit file. I have notified them that this is not my account. I have also asked them to send me proof that I am obligated to pay them for this debt if they are suggesting that the debt is mine. I have not received any proof that they own this debt or that I am obligated to pay them. This account needs to be remove from my credit file. This is not my debt. This company have violated the FCRA by not providing me with proof that I am obligated to pay them and reporting a debt that do not belong to me.
|
| 05/17/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I tried to call this debt collection company to dispute a debt for which I am not responsible and during my first call a man named XXXX XXXX up on me after I told him I did not have the address to which the account belonged. I told him I could only provide the account number and before I could say that I could provide the social he hung up. When I called back to request further information about the debts in question it appears as though they are attempting to collect on several debts which were successfully disputed and for which I am not responsible.
|
| 06/30/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Bull City Financial reported on XXXX to the credit bureaus that I owe {$540.00} but I never received any written documentation from Bull City Financial about the debt being owed. I am on XXXX XXXX XXXX health insurance since I am only XXXX XXXX XXXX and in XXXX full-time we have medical insurance so, this should not be owed. I would like to receive notice along with the actual bill showing what was paid by my insurance company and what is actually owed with a way to dispute this amount. I would also like this removed from my credit report immediately
|
| 06/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
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 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 account without my written permission XXXX and XXXX n has stated XXXX XXXX was verified has failed to show proof of verification on more than XXXX disputes.
|
| 07/13/2018 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Bull City Financial Solutions has reported three collection accounts on my credit report. Prior to these accounts appearing on my credit file, I did not receive a notice of my right to dispute them. They just reported them, without giving me an opportunity to contest these bills that were paid by my health insurance. Failure to provide such a notice is a direct violation of my federal rights, protected under the Fair Debt Collection Practices Act. Bull City Financially is acting as an illegal collection agency, defying federal collection law.
|
| 06/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Bull City financial harassed me with calls for months from XX/XX/XXXX to end of XX/XX/XXXX. On XX/XX/XXXX they harassed me again so I agreed to pay my debt on the spot so long as they would take the credit ding off of my credit and close the account. The representative promised if I paid she would close the two accounts with negative dings on my credit, so I paid over {$800.00} on the spot on XX/XX/XXXX. Credit ding is still there. Repeated attempts to call Bull city financial and no one will answer the phone because they know I already paid.
|
| 09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
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 alleged debt, nor therefore any such debt, in fact therefore exists. I asked this company to dispute this unauthorized information off my credit report. Ive asked for verification that its my debt and they cant provide proof because it is not mine. I am a victim of identity theft. Ive filed police reports and sent my proof in and this is still on my credit unauthorized. It has to be removed by law.
|
| 01/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Dear CFPB, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report Bull City financial solutions in the amount of {$630.00} I am disputing this claim due to : I never live or have I ever been affiliated with address they have for this bill. They can not produce original contract with my signature. They will not try to resolve problem or investigate fraudulent account.
This is my official request to have the aforementioned item to be deleted off my credit report and company be fined.
|
| 10/13/2015 |
No |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Bull City Financial falsely reported XXXX medical collections under my name with all XXXX major credit reporting agencies. I am neither the patient nor the guarantor on either account, which has been verified by Bull City and the original creditor. I have filed disputes with the credit reporting agencies, but Bull City is ignoring the disputes. Despite repeated requests, Bull City has refused to delete this reporting from all XXXX agencies. They are knowingly and illegally causing a malicious and adverse effect on my credit score.
|
| 07/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Hi my name is XXXX XXXX SSN # XXXX Birthday XX/XX/XXXX. I spoke with XXXX XXXX about a debt that wasn't mine from the beginning.On XX/XX/XXXX a third party contact and reported to my Cosomure report. Under law I did not give them permission or sign any disclosure for them to do so.I attempted to contact all three bureaus with the copies of my Police report through certified mail and still was ignored. This brings me to contact you being as the 3 bureaus seem to be above the law. Can you please look into this matter Thank you
|
| 06/06/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
BullCity financial is verifying a debt to the XXXX major credit reporting agencies which was a result of identity fraud. I have disputed the debt several times, have sent letters, and made calls and I have yet to resolve this matter. I have a police report on file and sent them to the bureaus and the creditor yet they disregard and continue to cause me damages and harm my credit rating for something I 'm not responsible for. Seeking assistance from you to mediate and hopefully resolve this issue quickly and professionally.
|
| 03/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
BullCity Collections is reporting to the credit bureaus that I owe XXXX {$570.00}. I have explained to BullCity that I have no balance owed to that company. I cancelled my membership in XXXX of 2013, and despite that, the company continued to bill me through XXXX of 2013. Even though I had cancelled my membership in XXXX, and turned in my access key that same month, they continued to bill be for things. This {$570.00} charge they are trying to collect are for charges they charged me for AFTER I can cancelled my membership.
|
| 12/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a notification that on XX/XX/21 that an account went into collections that was attached to my ssn. I contacted the company directly and told them, Im not connected to address listed where debt originated. I filed a police report for identity theft nothing happened or the police didnt think it was important. I contacted the debtor again and they still wont remove the bill, Ive tried multiple times reporting it as identity theft to transunion with no results. The next step is suing the debtor to have it removed.
|
| 11/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
BULLCITY FINANCIAL SOLUTIONS ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX...... FALSELY ADDED A COLLECTIONA ACCOUNT FOR XXXX XXXX TO MY XXXX ( AND OTHERS ) CREDIT REPORT. THIS ACCOUNT IS NOT MINE AND I HAVE DISPUTED IT WITH XXXX, AFTER THEY " UPDATED '' THE DISPUTE WITH NO CHANGE I ALSO UPLOADED A COPY OF THE BILL WITH THE TRUE ACCOUNT HOLDERS NAME ( WHICH IS NOT MINE, CLOSE TO MINE NOR A RELATIVE OF MINE ) ALONG WITH A WRITTEN SIGNED STATEMENT THAT THIS IS NOT MY ACCOUNT NOR MY RESPONSIBILITY.
|
| 05/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent a debt validation letter twice on the following dates : XX/XX/2021 and XX/XX/2021. Each time, the company failed to verify my debt. On XX/XX/2021, the company sent a letter that stated a debt value of {$680.00} but the debt value received from XXXX and XXXX on XX/XX/2021 states a debt value of {$510.00}. Also, the letter sent by the company on XX/XX/2021 did not answer the requests I needed in order to verify the debt. After, I sent the failure to validate letter on XX/XX/2021, the company never responded.
|
| 06/09/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Date of account is being reported falsely. The original debt dispute was never communicated with original creditor due to address changes and when I finally heard from anyone, it was already sold to a debt collection agency. The original debt was from XX/XX/2014 and although I offered to pay it in full if they removed it from my report, they refused to remove it. I then recently noticed that they keep changing the reported date, effectively keeping it perpetually active on my credit report which I know is illegal.
|
| 08/17/2020 |
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
|
|
Web |
|
|
I have a loan with XXXX XXXX, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and BULL CITY ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and BULL CITY ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
|
| 03/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX- Bullcity Financial Solutions {$510.00}. I have disputed this account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All attempts to verify and validate the debt has been unsuccessful. I notified all three credit bureas that the accounts were fraudulent. I have spoke with and requested a fraud package from Bullcity Financial Solutions and recieved no help or real care on the issue. The information is being erroneously reported on my credit report, which is having adverse effects on my car loan applications.
|
| 04/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
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. My report is showing I have a past due balance of {$1500.00} with Bull City Financial, account number is XXXX. I never done business with this company. This company does not have a contract with my signature
|
| 01/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
These claims were being submitted to me as the individual, instead of my insurance carrier, who is the XXXX XXXX. I am a full XXXX veteran, who receives full medical benefits from the military Veteran Administration and have since XXXX. My inpatient stay was for XXXX and this claim along with 1 more were never submitted to the correct entity. I am not responsible for this amount or claim.
The first claim is for XXXX for XXXX XXXX XXXX XXXX XXXX and the other is for XXXX for XXXXXXXX XXXX XXXX XXXX
|
| 06/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is a bill from a electric company I owe apparently but was not billed until years and years later when I have a current address up to date. I always paid my bill. I was a young single mom and going through a energy program at the time and had duke. Not sure how I owe all this money all the sudden. I have tried to dispute. Ive never received a bill let alone a itemized bill. Have had the same address and its public record for 6 years now. This is bull city financial who has this debt now.
|
| 09/27/2022 |
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
|
|
Web |
|
|
I'm XXXX XXXX, and I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now harming my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They must identify who started the account in my name and just provide that individual my information. Kindly help me in solving this.
|
| 05/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Pursuant 18 USC 8 I owe no debt to this company is violating my consumer rights to privacy pursuant to 15 USC 168 1B2. company also no permission to report ANYTHING using my pursuant 15 USC 16814.
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't furnish a account without my written instrctions
|
| 11/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
A debt validation letter was sent to the company Bull City Financial Solutions , Inc. located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. The letter was sent on XX/XX/2021 and received on XX/XX/2021. A follow up debt validation letter was also sent out on XX/XX/2021 and received on XX/XX/2021. As of today, XX/XX/2021 I have not received the correct information to validate this debt. The company has failing to validate this debt but is still reporting the account on my credit report.
|
| 11/01/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Years ago while I was shopping in a local XXXX XXXX I was unattractive to my wallet. It was stolen or taken from my cart. When I found out I immediately filed a police report so I can get my cards back not thinking that I would need to do anything else. Years later after college I went to apply for a loan for a home and went to review my credit and saw many things that I was not familiar with. I did some research and found out my next step to getting it fixed was filling this complaint.
|
| 03/06/2016 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I have an Hospital bill through XXXX that I have been paying {$20.00} per month since XX/XX/XXXX. Bull City Financial Solutions call my parents house harassing them for me to call them, when payments have been submitted to the collection agency each month. In addition, to that Bull City Financial solutions was placed unto my credit report, knowing it would harm my score. It s sad how collection agency are not reprimanded for its behavior. I respect only good customer service behavior.
|
| 01/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. My name is XXXX XXXX XXXX XXXX XXXX last four of social XXXX I have found accounts/collections on my credit reports that are a result of the identity theft. I have filed a FTC identity theft report on XX/XX/XXXX and have provided it, the report number is XXXX. Per FCRA I want the following accounts/collections removed from all credit files by the debt collector XXXX XXXX XXXX XXXX
{$600.00} on XX/XX/XXXX XXXX XXXX {$460.00} on XX/XX/XXXX XXXX XXXX
|
| 01/28/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I am a XXXX veteran who had XXXX outside of a VA facility, with a special authorization by the VA. I received bills and collection notices that I sent to my local VA for review. I was notified that the bills had been paid. However, the collection agency, Bull City Financial, refused to remove them from my credit report. I have filed dispute claims with 2 of the 3 major companies. This has destroyed my credit and has kept me from acquiring a VA home loan of which I desperately need.
|
| 07/14/2016 |
Yes |
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
I have a medical bill that goes back to 2012. The third party debt collector has not tried to contact me regarding this debt over all of these years. I have noticed that on my credit report that this bill collector is literally making inquires into my credit report every day. This is negatively affecting my credit score and I feel like this is being done purposely to affect my credit score in a vengeful way. I do not feel like this is legal due to the maliciousness of this action.
|
| 08/21/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Bull City is reporting a medical debt from XXXX XXXX XXXX XXXX XXXX XXXX on my credit report that is not my responsibility. I am fully insured by the XXXX, and the XXXX scheduled this appointment for me at this office. I told XXXX XXXX XXXX XXXX XXXX XXXX several times that this visit should be billed to the XXXX, but they never did bill it properly. Now they are having Bull City Collections report this bill on my credit report simply because they never billed it correctly.
|
| 01/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received a random notice for the very first time from this company, and per Regulation F of the CFPB the required itemization that should be provided is not listed on the notice. There is no breakdown on the notice, nor is there the required information regarding disputing the debt. I demand a full cease and desist from this company - and as this is a clear violation of both Reg F, the FDCPA, and FCRA I demand the account be closed and returned to the original creditor.
|
| 07/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I informed Bull City that I do not have a consumer relationship with this company and the company is furnishing my private information without my consent. BullCity was also asked to verify this alleged debt. I informed Bull City of the many violations via certified mail on XX/XX/2022. Bullcity has failed to comply with the laws of the FCRA. Bull City failed to cease collection attempts during the investigation nor has Bull City provided me with any investigation results.
|
| 04/18/2018 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. This creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
|
| 04/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Servicemember |
|
Bill City Financial reporting my name for unpaid medical bills despite a 3way call between XXXX XXXX XXXX XXXX XXXX, Bill City, and myself! 100 % XXXX Veterans have no medical bills for Outside Medical Care.Bull City told me they contacted Office and was told I have outstanding balance due and that is untrue statement.Bull City keeps my name on derogatory credit list despite verification from XXXX XXXX XXXX.
XXXX XXXX XXXXXXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 04/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following account : BULL CITY FINANCIAL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX : {$200.00}
|
| 05/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Spoke with Bull City and a rep by the name of XXXX on XX/XX/2020. Disclosed to her I could only pay one account at a time. I asked her when I paid the {$180.00} of the {$370.00} ( it is 2 accounts for {$180.00} a piece ) if it would be removed from my credit file was told yes. When I called was told not the case and I needed to pay the entire balance or it would not be removed. I did not get the paperwork from them only notice I got was when it hit my credit report.
|
| 09/29/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
The Complaint that I have is with BULL CITY FINANCIAL SOLUTIONS. Over the last 4 months I have requested validation on multiple occasions for debt that is listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with BULL CITY FINANCIAL SOLUTIONS. I have not received anything that I requested and it still listed on my credit report from all three of the Credit Reporting Agencies.
Please Help me.
|
| 09/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Bull City Financial Solutions started billing me for my deceased spouse debt a year after he died. These bills were solely in his name before he died. He passed away XX/XX/XXXX. I never signed to be administrator of his estate and my husband had no assets, so there was not a probate estate. I live in North Carolina, which is not a community property state. This credit reporting agency improperly reported my deceased spouse debt under my name to XXXX on XX/XX/XXXX.
|
| 04/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Servicemember |
|
Bill City Financial reporting my name for unpaid medical bills despite a 3way call between XXXX XXXX XXXX XXXX XXXX, Bill City, and myself! 100 % XXXX Veterans have no medical bills for Outside Medical Care.Bull City told me they contacted Office and was told I have outstanding balance due and that is untrue statement.Bull City keeps my name on derogatory credit list despite verification from XXXX XXXX XXXX.
XXXX A XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 01/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have disputed this company which has 2 delinquent accounts on my credit report.
This company claims I owe the city of XXXX for ambulance services. I have never been in an ambulance in XXXX, Texas or XXXX County. This information is inaccurate. I have asked repeatedly for proof to verify this debt with no response. They told me through the XXXX that they could not release this information to a third party. This is my last step before I contact an attorney.
|
| 07/10/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Company has failed to comply and stop collection on account. I have advised the Debt Collector that the account was not mind and they are trying to collect on an account that is not even my name but attached to my credit report. I have disputed this account multiple times and they have failed to even attempt to remove even when clearly the account isnt mine because it doesn't even have my name attached. I WANT THIS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
|
| 02/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Repeadly calling me, and nobody will be on the line for several seconds after I answer, then they ask for someone who is not the owner of the phone. I tell them this, ask them not to call again, abd then I get another call. Eventually they must change their company name because they just keep doing the same thing from different numbers, some of the times I can not even get a business name from the people.. i can hardly even you my phone they call so often.
|
| 01/18/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
|
| 09/29/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
|
| 07/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have written to Bull City Financial Solutions several times trying to get them to verify the debt collections listed below and they have yet to do so. I have also sent three letters to them form the original creditor stating that these accounts were placed in error and for BCFS to remove them immediately and that to has not happened. Enclosed you will see all of the letters.
Account # XXXX - {$370.00} XXXX - {$280.00} XXXX - {$370.00} XXXX - {$310.00}
|
| 05/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I had originally had a medical/health debt to XXXX XXXX XXXX, that debt was sent to Bull City Financial who I paid, who then took my debt to XXXX XXXX XXXX, so not only did I pay Bull City Financial, but the amount I paid XXXX XXXX was inaccurate. Bullcity shows I do not owe them but I owe XXXX XXXX, but won't fix my credit report. I sent a dispute to XXXX and showed them more than enough proof. They ignored my attachments and said I still owe Bull City.
|
| 08/24/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Received a bill from Bull City Financial Solutions to collect a debt on a medical bill. Had never been contacted or received a bill from the provider. Requested information from Bull City and received a partial statement which did not identify the provider. Requested the provider contact information from Bull City by telephone and was refused the information, refused when requested to speak with a supervisor, and would only provide the name " XXXX ''.
|
| 08/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
In accordance with the fair credit Reportin act Bull City Financial Solution Account # XXXX, has violated my rights.
15 USC 1681 Section 602 states, I have the rights to privacy.
15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
15 USC 1666B : A creditor may not treat payment on a credit card account under open end consumer credit plan as late for any purpose.
|
| 07/11/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent a validation letter to Bullcity financial solutions on XX/XX/XXXX to get validation and verification of this debt reporting on my credit report. I have no known knowledge of this company and realize this is a third party collection agency. The original creditor XXXX XXXX has violated my rights under HIPAA. I requested for documentation with my signature saying i agreed to pay this debt and i have not received validation that I requested.
|
| 07/26/2021 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
XXXXXXXX XXXX sent my bill to collections at Bull City Financial Solutions who sent it to the credit bureau I was not aware of this .I was never contacted thru mail or phone. I was caught totally by surprise.I paid the ambulance company.And was told it would take up to 30 days.My score went from XXXX to a XXXX .My credit score is my life and their has to be some rules to keep this from making sure these companys dont just make up there own..
|
| 12/12/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Bull City Financial Solutions has been reporting inaccurate information to the credit reporting agencies and damaging my credit. I sent them notice to validate the debt, and I am still waiting on a response. The information is so damaging that I can not even rent an apartment because they have destroyed my credit. For the record, I have never done business with this company, and it is unfair to me and my family to have to deal with this.
|
| 09/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
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 XXXX. It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 01/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
BULLCITY FINANCIAL SOL at XXXX XXXX XXXX XXXX # XXXX, XXXX, NC XXXX has been sending me collection notices in the amount of ( {$320.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I would like this collection removed from my credit report with all 3 agencys XXXX, XXXX and XXXX immediatly.
|
| 02/23/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Dear Sirs ; I have written a number of letters to Bull City Financial Solutions about this alleged debt. I have asked for information so that this debt can be validated. I only received one response, that did not validate the debt I finally sent the an open contract of " Estoppel by Silence '' this two was ignored. By law they have given up all claims related to this alleged debt. The company still has not responded to my letters.
|
| 07/17/2018 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I had a lease and lease was over and electricity never turn off. I informed XXXX XXXX that we where closed and i did not receive the final bills from them. XXXX XXXX is also over charging people, did not take time to read those meters and according to what someone else was paying they assume to continue charging the same amount. and when you call to dispute they always come with a literature so they don't remove those high bills.
|
| 12/06/2022 |
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
|
|
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 o payment on a credit card account under an open end consumer credit plan as late for purpose
|
| 01/04/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
All 5 of these derogatory " medical bills '' are either false, or they would've been paid by NC XXXX. During those years, I had dozens, maybe hundreds, of medical bills. But MIRACULOUSLY, only these few weren't paid by my XXXX. If you pull my medical records from this time, you will see all the hospital visits at XXXX XXXX in XXXX, NC. NC XXXX covered all of them. So, either they have been paid, or this is derogatory fraud!
|
| 01/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.
XXXX Account # XXXX has violated my rights.
15 USC 1681 section 602 A 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 accounts without my written instructions.
|
| 03/08/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid approximately {$940.00} directly to the medical office that I owed for a bill that was being collected through Bull City Financial Services. I was told by the medical office that they would immediately notify the debt collector. After about two month of them continuing to report this on my credit, I sent a XXXX dispute and the final result was the collector reporting that the bill and amount owed were accurate.
|
| 02/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Several years ago I spoke with a representative of Bull City Financial. I told them that I had sold the business and the new tenant took on the responsibility of the utilities. I have a copy my credit report showing that they are still reporting me as responsible. I also have a copy of the Assignment and Assumption of Lease Agreement that specifically addresses the utility bill issue. I can upload them for your review.
|
| 12/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
The XXXX Credit Bureaus are reporting inaccurate information on XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
|
| 06/04/2018 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have sent Bull City Financial Solutions a certified debt VALIDATION letter on XX/XX/2018 to verify a debt they claim I owe them and asked for evidence that bears my signature. They have failed to provide all I've asked for/ physical proof that the account is mine. I have also sent the company another certified letter informing that they violated my request and to have the account removed, still no response.
|
| 08/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Found out I missed a bill with XXXX XXXXXXXX. I never received a bill from this place and I told rep I would pay with company and when I tried to call back representative said could t assist me without giving all my information to representative. I have rights and if the bill is placed on my credit I will get a subpoena for everyone I spoke with on XXXX and sue EVERY individual I spoke with and this company.
|
| 12/31/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I sent a debt validation letter to this company on XX/XX/2019, to validate, not to verify this debt they say I owe. This company never validated the debt and the response letter they sent me on XX/XX/2019, also they violated my HIPPA rights by sending me an invoice with the things listed they say I had been treated for but I never signed a HIPPA release form for my information to be shared with this company.
|
| 08/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have no knowledge of this account and i have not transacted any business with this creditor. i have disputed this information in the past but XXXX in collaboration with Bull City Financial Solutions are disregarding any rights i may have and continue to report this fraudulent debt. This debt is associated inaccurate personal information that has been previously removed from my consumer credit profile.
|
| 10/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX XXXX continues to report to XXXX ( 2 ) unpaid debts that were paid directly to XXXX. This is a violation of my rights under the FCRA and I want this company to remove this from my credit report immediately and stop all communications regarding this.
Also through research, I have read in muliple sources that medical bills under {$500.00} will not be reported to credit bureaus any longer.
|
| 09/17/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted this companies regarding the debt that was for validation of debt.
Bullcityfinancial I contacted this company on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 by mail via XXXX XXXX and XXXX. This company failed to validate my requests. The company have deleted the debt from XXXX but failed to delete the debt from XXXX and XXXX I have threatened to pursue legal actions at this point.
|
| 01/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This company has been on my credit report for years, when you contact them they are rude disrespectful and degrading. I spoke to providers who tell me they can not locate an account nor do I owe them any more. Bull city financial solutions will still not remove their accounts from my credit reports. I have spoke to the providers billing department and have also spoke to bull city with no results.
|
| 02/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have made several attempts to dispute the validation with the creditor, XXXX XXXX, collection agency Bull City Financial in the amount of {$560.00}. This debt has not been validated by the original creditor or the 3 credit bureaus and are still reporting this debt as being owed. I have asked for removal due to lack of verificatio of this debt with no resolve. I started my efforts in XX/XX/2017.
|
| 06/08/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
|
| 07/26/2021 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I sent this collection agency SEVERAL validations of debt letters, that required a contract with MY SIGNATURE. They just keep sending a bill with an amount as verification. I have also sent several disputes letter to credit bureaus for the credit bureau to make the Collection Agency adhere to the FCRA, but I am not getting the correct response from the collection agency nor the credit bureaus.
|
| 11/21/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have tried over and over again to work the the debt collections companies to get these debt remove. The debt they claim I owe does not belong to me. I have sent both companies documents to prove so and I never heard a response from neither of them. I do n't know what to do because I 'm so fed up. These bad debt is causing havoc on my life and I need this negative information taken care of.
|
| 01/17/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX turned account to Bull City Financial before my Insurance co. settled account. I paid account in full nearly 2 years ago. {$62.00}. I contacted XXXX XXXX 3 times about attempts from Bull City for collection. They stated the would rectify account to remove from my credit report. I tried contacting Bull City ... ..no response and still showing on my credit report despite being paid.
|
| 09/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Several requests have been sent to this Debt collector. This is the formal complaint against BULL CITY in regards to acct # XXXX.
I have not received any response, for the company has failed to comply or adhere to my previous request that was sent by certified on XX/XX/2021. By not replying they have failed to adhere to the FCRA by not responding within 30 days nevertheless 60 or 90 days.
|
| 06/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt was from XXXX XXXX XXXX XXXX, which occurred during the peak of covid 19 XX/XX/2021. Due to the pandemic, I was hit with financial hardship due to unemployment and was not able to pay my energy bill in the amount of {$1400.00}. It has had a long-term effect to this day affecting me from doing the necessities like getting a car loan for a car or applying for a place to live.
|
| 07/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
In XXXX of 2021, I began receiving collection notices from Bull City Financial Solutions , Inc for a medical debt from XXXX Hospitals. First, I was not given proper and legal notification that the debt could be challenged.
The collection agency is in violation of the North Carolina Fair Debt Collection Practices Act which is functions separate from the Federal version of the law.
|
| 06/10/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
good day I have contacted company last year to provide information about the debt owed which they supposedly sent me but I have never received information requested.
I filed the dispute with XXXX and XXXX but those steps did not seem to help to solve the problem. I don't understand how Collection agency is providing Credit Bureau with information but not individual involved.
|
| 10/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Hello, I have tried to get verification from Bull City Financial, the address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. I have also sent letters to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX.
I sent over 4 letters demanding validation and they don't respond to me. The last letter I sent was certified mail on XX/XX/18. So far nothing and it is affecting my credit.
|
| 04/09/2021 |
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
|
|
Web |
|
|
XXXX XXXX XXXX # XXXX DOB : XX/XX/1969 XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT WAS PAID, BUT STILL REPORT TO MY CREDIT REPORT.
XXXX. XXXX # XXXX - BALANCE OWE ON THIS ACCOUNTS IS " XXXX '' ACCOUNT SHOULD NOT BE REPORT ON MY CREDIT REPORT.
XXXX. XXXX XXXX # XXXX - I OWE A BALANCE ON THIS ACCOUNTS BUT IT WAS PAID BEFORE I GOT SERVICE AGAIN.
|
| 01/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
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.
|
| 03/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
There is an amount on my XXXX credit report from bull city financial account number is XXXX for {$230.00}. I was a victim of identity theft, I have filed multiple police reports as well as have contacted the credit bureau to remove this information. I am now in progress of pursing legal action against this creditor as well as the bureau because it has yet to be removed.
|
| 09/25/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have 3 medical bills on my credit report, which should have been paid by XXXX XXXX. I have paid these myself to clear the debt. The collection agency Bull City refuses to remove the debt from my report, so I called the XXXX ( XXXX XXXX XXXX ) the debt was owed to and they will not pull it back from Bull City. I have receipts that show that these bills have been paid.
|
| 04/20/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I requested that Bull City financial Solutions verify my debt to them. I requested a copy of my signature from the provider showing my request to release information and it was not provided. They sent me documents that had medical and personal information that I believes violates HIPAA. I have sent another letter today requesting paperwork with my signature.
|
| 11/12/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
Bull city financial original debt holder is XXXXXXXX XXXX I havent been in a transported in a ambulance since XXXX when I had a XXXX XXXX this is my wifes that past away I have had a XXXX credit card since XXXX all my co pays or what the insurance dont pay goes on the card I pay it monthly on time its been removed from all cedit reports except XXXX XXXX
|
| 06/05/2018 |
No |
- 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
|
|
Web |
|
|
I pulled a annual credit report and noticed an unknown account on my credit report. Last date reported XX/XX/XXXX. This account looks like it was opened XX/XX/XXXX by Bull City Financial Solutions in the amount of {$1200.00}. I do not recognize this account. I believe someone has falsely used my name and used my personal information without my consent.
|
| 02/04/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I paid XXXX XXXX I have bank statement to prove this I called bullcity collection and the guy I spoke with told me to pay him an additional {$270.00} plus tax and he will have it removed sounds like a scam and XXXXXXXX XXXX XXXX. Please have this removed from my account. I can provide the proof that will back me up. This account was paid to XXXX XXXX
|
| 01/17/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
ON XX/XX/2022 AT XXXX I SPOKE WITH A BULL CITY SOLUTIONS REPRESENTATIVE NAMED " XXXX XXXX '' I EXPLAINED THAT XXXX XXXX POSTED DUPLCATED ACCOUNTS ON MY CONUMER REPORT THAT REFLECTS NEGATIVELY ON MY CONSUMER REPORT. AS A RESULT, I HAVE DISPUTED THE ITEMS CONSIDERING THE 9 YEARS THE ACCOUNTS WERE LISTED ON MY CONSUMER REPORT WITHOUT MY KNOWLEDGE.
|
| 08/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports.They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
|
| 08/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt appears to be from a energy company. I have never had an account with this company. I have lived in XXXX XXXX for years, and this company is not located in XXXX XXXX. I have sent letters trying to resolve this with no solid solution. I need this removed from my report. I experienced identity theft and it has affected me tremendously.
|
| 08/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This is not my information Bull city financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquires Remove unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 01/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Bull City Financial Solutions XXXX XXXX XXXX XXXX # XXXX, XXXX, NC XXXX is using predatory tactics and fraudulently reporting the same account multiple times to the same reporting agency. My report was tagged 4 time for the same collection account by this firm on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX
|
| 02/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I've contacted the company by certified letter with no response and incorrect address provided by the credit bureaus for the past 7 months. Certified letter to depth collector be returned because of undeliverable address. I've also requested validation from both credit bureaus and company directly with a certified letter with no response.
|
| 03/08/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I noticed this data on my credit report. I called this company several times, but they could never find my name or account. They are still reporting this as a collection, but have never received any communication from them, yet they claimed it's verified, but I have no proof that this account is actually mine.
Initial complaint # XXXX
|
| 10/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
BULLCITY FINANCIAL SOL Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NCXXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$330.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
|
| 06/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I was denied credit for a credit line I applied for and was denied. Once I was made aware I pulled my report and there was a collection in the amount of {$180.00}. I did not receive a 30-day notice to dispute the validity of this debt. I am requesting proof of address where the notice to dispute the validity of this debt was sent.
|
| 05/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This company is reporting a debt that is incorrect and have failed to verify it in writing. They have refused to respond with the requested verification information and sent me a generic invoice with incorrect information on it. I have certified receipts and the last letter sent on XX/XX/2022 of which they have failed to respond.
|
| 10/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Debt is reporting still on my report and I have requested for validation of this debt and verification, was told will be removed from report as no verification of debt was able to be provided..Debt have still not been removed and is still being reported. I have sense requested it to be removed and stop reporting inaccurate debt.
|
| 08/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
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.
|
| 05/11/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I had insurance coverage however for some reason they did not try to collect payment until a very later date and I have proved to them I was covered and they bill should be going to XXXX XXXX and XXXX XXXX of Florida. However they placed this on my credit and it is destroying me from moving forward in life with loans and etc.
|
| 02/09/2017 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Accusing us of living in a closed state, thus excusing them of responsibilities of sending us itemized debts owed, a phantom cost of {$300.00} is being reported that we owe them. They are not giving information and refuse to send anything to us. We 've faithfully paid every medical bill, but they are harassing us about this.
|
| 11/03/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I have been in touch with XXXX XXXX XXXX to get charity or reduce the bill. Ive sent numerous times info required, bank statements, taxes, income and so on. They always came back with something missing, which was sent over and over again. I thought they were still working on helping me out, and I got the collection letter.
|
| 01/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
Company is a debt collector that initially had no record of me, my name, my address or phone number, but had a collection on my report. I sent a letter requesting information, which is attached. Absolutely no response. I feel they are violating my XXXX rights by reporting inaccurate information which I did not authorize.
|
| 01/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have sent two validation letters to bull city financial solutions asking them to remove this collection from my credit file because this debt is not mine I also asked if they could provide a original contact bearing my signature which they have not done all they sent me was a final bill which is not proof of validation
|
| 06/21/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
This company have send collection to my credit report not once but the same account three times as well as others collections by BULLCITY FINANCIAL SOL send I am not liable for collection of debt from BULLCITY FINANCIAL SOL. I am not responsible for this debt. I have sent disputes to the credit bureaus with no resolve.
|
| 11/03/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My medical debt was paid for by my insurance company and I paid the rest owed. Bull City Financial calls on a daily basis and has ruined my credit score. This is medical debt paid and Ive been treated like a XXXX. I am a single mother with a XXXX child, this is causing me horribly unduly stress on me and my family.
|
| 11/14/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I checked my credit report and saw I have a collections account from Bull City Financial Solutions. I sent this agency a letter on XX/XX/19 and again on XX/XX/19 asking they validate the debt. The agency has not replied to any of my letters but yet continue to report the account to the credit bureaus as negative.
|
| 03/14/2017 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
THIS COMPANY IS STATING THAT I HAVE A BALANCE IN WHICH I RECIEVED A LETTER FROM XXXX STATING THAT MY BALANCE HAS BEEN PAID AND XXXX HAS RECIVNED MY BLANACE OWED THAT WAS NOT EVEN THAT {$100.00} BALANCE THAT THIS COMPANY STATED. I CALLED XXXX AND THEY STATE THAT THIS WAS NOT MY BALANCE {$100.00} THAT WAS OWED.
|
| 12/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I CLOSED XXXX ACCT AND REAL ESTATE COMPANY/LANDLORD DELAYED THE ACCT CLOSURE UNTIL THEY HAD SOLD AND CLOSED ON THE HOME I WAS RENTING. THEY ASSUMED MY IDENTITY AND ISSUED APPROVAL FOR ACCOUNT TO REMAIN OPEN IN MY NAME. BULL CITY HAS BEEN ADVISED OF THIS AND HAS CONTIUNALLY EVADED THE TRUTH OF THE ISSUE.
|
| 10/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
XXXX in Accordance with the FCRA this creditor has violated my rights under Section USC 1681 Sections602 i have a right to privacy 15 usc 1681 Section 604 A consumer agency may not report an account with out my written instruction 166B a consumer ca not treat a credit card account as late for any purpose
|
| 11/07/2021 |
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
|
|
Web |
|
|
XXXX is reporting XXXX derogatory account on my credit report by the name of XXXX XXXX XXXX. I have sent over XXXX dispute letters since XX/XX/2020 to XXXX asking them to investigate the account and I have yet to receive a written response with validation documents or see any updates on my credit report.
|
| 03/03/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This has been on my credit report for two years. I have disputed the item over and over ; and now it just re apears as " new '' every so often. I have tried to contact the creditors inquiring as to what this is for to which I am met with different answers and an unsure avenue about how to correct this.
|
| 09/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I recently received a copy of my credit report and found several accounts that were opened in my name. I believe that I may be a victim of identity theft. This account was not opened by me or opened with my knowledge or consent. I did not use this account or even know that it was opened.
|
| 11/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Have sent numerous letters to this collection company asking them for validation of this account with no response. They continuously report this information in all of my credit files with proper validation or response. They have not responded to my requests nor will they cease reporting.
|
| 07/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have reached out to Bullcity financial in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to request proof that this debt is mine. I have requested the signed agreement showing I am the account holder liable for the debt. They do not respond and have yet to furnish the proof.
|
| 03/17/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My insurance, XXXX XXXX XXXX, paid XXXX XXXX {$720.00} in XXXX XXXX 2014.
I have sent the XXXX XXXX several times to the collection agency, Bull City Financial Solutions, showing the XXXX payment to XXXX XXXX.
Bull City has not offered a reason that the debt is still owed.
|
| 02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
A name is listed that is similar to mine, but not mine. I have tried to have it removed bc there is debt connected to the erroneous name. I cant effectively dispute the debts without first removing the name. XXXX XXXX XXXX, is not my name -my middle name is spelled differently.
|
| 02/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Repeat calls and messages to return call about a debt to bull city financial. I owe nothing to anyone, never charged anything etc. Maybe they have the wrong number and or person but they need to stop especially since I'm on the no call list.
Number calling is XXXX XXXX XXXX
|
| 11/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
After numerous attempts to get Bull city financial to remove this fraudulent account from my credit report they still havent removed this fraudulent account I never had any account from them ever. I want to dispute this fraudulent account under the fair credit reporting act.
|
| 04/10/2018 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I've sent numerous letters to this company to have them verify an account that they have placed on my credit report. All they have sent back is a bill which is not enough to verify that it is mine and it also contained a hippa violation with personal information on it.
|
| 05/24/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Repeated phone calls over and over at work at home. Threaten to take accounts and assets calling at night and day threaten to tell my boss if I dont pay. Take the collection off for a week and put it back on a credit report over and over causing the score to change.
|
| 05/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I contacted Bull City Financial about a collection of XXXX on my credit report since 2018 for XXXX XXXX XXXX. I have never had any dealing with this company and never lived at the address listed. Bull City Financial associate was rude, nasty and hung up on me.
|
| 03/22/2021 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I've gotten the fraudulent accounts removed from XXXX and XXXX. But Bull City Financial Solutions in XXXX, NC keeps reporting the fraudulent utility account from XXXX XXXX on XXXX for the amount of {$160.00}. I've made disputes to the company to no avail.
|
| 02/22/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Bull City Financial is continuing to report a item on my XXXX report that is fraudulent. The item is currently under investigation with the FTC, yet Bull City is still attempting to break FCRA guideline by reporting the fraudulent item on my XXXX report.
|
| 02/14/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
BULLCITY FINANCIAL SOLUTIONS HAVE LISTED ( 4 ) FALSE COLLECTION RECORDS ON ALL OF MY PERSONAL MEDICAL RECORDS VIOLATING HIPPA REGULATIONS. ACCOUNT NUMBERS XXXX, XXXX, XXXX, XXXX ARE ALL LISTED UNDER MY XXXX, XXXX AND XXXX CONSUMER REPORTS AS COLLECTIONS.
|
| 01/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Collection agency Bull City had fraudulently reported that I owe XXXX XXXX over {$1300.00}. The negative report to my credit has impacted me economically. I have filed a police report and a report with the FTC and will press criminal and civil charges.
|
| 08/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, This debt is the result of a residential electric bill at the home where I resided from XX/XX/XXXX - XX/XX/XXXX.
In order to comply with FRCA guidelines, this debt is too old to be reported.
Please have it removed from all tradelines.
Thanks
|
| 03/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
called multiple times last call today XX/XX/2021 today at XXXX request itemized statement was told one was already sent but i never receive one but was told they cant send another one, im just asking for one but was told no no no we cant send another.
|
| 10/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
There is two delinquent accounts that are the same one.. XX/XX/XXXX for XXXX $ payment arrangements were made and they still sent it against my credit. Then XX/XX/XXXX they hit me again on the same account for XXXX $ please remove them from my credit
|
| 11/04/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
Apparently XXXX XXXX sold my bill to BULL CITY FINANCIAL has reported a debt on my credit report! Ive received no voicemail or mail regarding this debt, whatsoever! Now my credit report has lowered by 51 points due to debt being requested as unpaid.
|
| 11/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2023 Bull City Financial attached a {$380.00} open balance to my credit consumer report. XX/XX/2023 it was reported again. This is not my debt, one reason I haven't had electricity in my name for over 2 years, since living with my girlfriend.
|
| 10/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I contacted XXXX XXXX and Bull City about an account that was placed for collection on my credit report that is NOT my account. Neither of them would assist me in this matter. They just kept telling me that I needed to contact the other party.
|
| 05/21/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received the attached debt collection notice from this company and I do not feel they possess any of the proper documentation to prove that I owe this debt. I have also sent to them the attached letter and I am requesting full documentation.
|
| 07/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Bull City financial Solutions have placed an inquiry on my credit report stating that i owe debt from XX/XX/2023, i have never known this business or done business with them and theyre sharing my information illegally violating 15usc 6801
|
| 01/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
Medical debt under {$500.00} reporting to all three credit bureaus. Reporting medical debt that has already been paid to original creditor.
XXXX XXXX : XXXX XXXX XXXX {$51.00} {$120.00} {$120.00} {$120.00} {$700.00} XXXX XXXX {$150.00}
|
| 04/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XX/XX/ I made an attempt to call to inquire about the collection on my credit report. The person instructed me to give them my personal information. They refused to give their name and told me I couldn't speak to a supervisor and hung up.
|
| 08/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I SENT A LETTER ON XX/XX/2021 TO THE COMPANY TO VERIFY THAT THIS DEBT IS MINE THEY FAIL TO VERFY THE INFORMATION I ASKED FOR TWICE.SENT ANOTHER LETTER TO VERIFY THAT THE DEBT IS MINE ALSO IN XXXX THEY NEVER RESPONED TO THE SECOND LETTER.
|
| 04/03/2017 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Didnt know debt was sold I contacted XXXX several times trying to find out details. Was told to file police report on issue. Back in XX/XX/2012 and never heard back from them tried to make paymemt arrangement even thou I was not at fault
|
| 06/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
According to the FCRA this company BULLCITY FINANCIAL SOLUTIONS needs to provide me the consumer with proof of purchase of my personal information that includes dates, and amounts and everything included with the sell of my information.
|
| 04/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I disputed it, now Im waiting on the results. But after further investigation, I was told that theyre not supposed to list a debt owed over and over again. I dont know what the debt is but the same one is on my credit report 19 times.
|
| 12/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed a doctors bill that was covered by my insurance. XXXX XXXX deleted the account but I am having no luck with XXXX or XXXX deleting the account and they have not given me an explanation as to why its still reporting.
|
| 11/07/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Received credit alert that collection account has been placed on my credit file. There was no communication or information provided to validate the debt is owed by me. This company is in violation of the FCRA reporting standards.
|
| 01/14/2018 |
No |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have a debt on my credit that doesnt belong to me and I believe it was an act of fraud.
Date opened ; XX/XX/XXXX First reported ; XX/XX/XXXX Date of status ; XX/XX/XXXX Original Creditor ; XXXX XXXX XXXX Amount due ; {$330.00}
|
| 09/26/2017 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
Servicemember |
|
THIS IS NOT A DEBT THAT I OWE NOR DO I HAVE ANY KNOWLEDGE OF THE DEBT. THEY CONTINUOUSLY CALL AND HANG UP AND WHEN SOMEONE ACTUALLY DOES SPEAK I AM CUSSED AT AND THREATENED TO BE ARRESTED FOR A BACK DEBT THAT HAS NOT BEEN PAID!
|
| 05/18/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Bull city collections has posted a collection on my credit report without contacting me first. I have no knowledge of the dept and my balance with the supposedly owed XXXX XXXX is XXXX. I disputed the collection to no avail.
|
| 04/06/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was XXXX years old and had health insurance through my father. XXXX refused to file it will my insurance so it went into collection. I'm in the process of buying a home and I need this resolved as soon as possible.
|
| 01/09/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
There is a collection agency by the name of Bull City reporting on my credit an account for {$300.00}, claiming I owe this amount to XXXX XXXX. This account does not belong to me and it 's affecting my credit score.
|
| 11/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This alleged debt was removed and reinserted on to my credit file without notifying me by FDCPA guidelines es. They have violated my rights under title 15. Medical debts is not supposed to report on credit reports.
|
| 07/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I checked my credit and saw an account from Bullcity for XXXX XXXX for {$870.00}. I never received notice to dispute this debt. I was unaware it existed as I thought I closed out my account on {$0.00} balance.
|
| 08/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The debt collector made a new debt on my credit report just for the fees from another credit. The amount is {$120.00} and Ive disputed with them and I havent heard anything back. Opened XX/XX/2020.
|
| 03/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've tried to contact the companies and agencies since XXXX. No one seems to be interested in helping me. This situation has put a very negative burden on my life as well as effected me mentally.
|
| 12/29/2020 |
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
|
|
Web |
|
|
I sent out multiple debt validation letters to XXXX, XXXX, or Bull City. I have sent out multiple letters to Bull City with no response. XXXX responded saying that they could not find my account.
|
| 12/19/2016 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
Bull City Financial Solutions ( a third party collection agency ) has obtained information that may be mine through XXXX without my consent or knowledge and it is negatively affecting my credit.
|
| 11/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
|
| 07/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
|
| 10/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have a utility balance of {$1500.00}. on my report from Bull City Financial. My request is to please remove/delete the balance because its paid according to the company XXXX XXXX XXXX
|
| 12/06/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Never notified about this account not mine fraud. Mailed letter disputing account 30 days ago and no response.They have place it on my credit report and need this removed it fraud.
|
| 03/30/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
The bill is not my responsiblity which i have stated once before it is in my brothers name due to he is the patient i am not resposible in any way shape or am not paying on it
|
| 09/02/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have several medical bills in collection from a company called Bull City which are not mine. I was never hospitalized or seeked medical attention at any of the times listed.
|
| 03/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
account opened under my name as fraud from BULLCITY FINANCIAL SOL XXXX XXXX XXXX XXXX XX/XX/2018 {$660.00} {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX
|
| 08/24/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
My identity was stolen and accounts were opened as a result this account is reporting on my credit report and with your company is fraudulent and you continue to report
|
| 07/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have contacted XXXX XXXX on multiple occasions regarding an account that was opened in my name in XX/XX/2018 that I personally did not open, nor was I aware of.
|
| 04/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I check my credit score and it shows a negative account on my credit score. But I don't know anything about that account. I wasn't living in Florida that year.
|
| 12/05/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XX/XX/2019 there was a payment made to XXXX XXXX And there are still ongoing payments for XXXX All listed below I’ve attached receipts and payment screenshots.
|
| 11/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Electronic communications
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Attempted to contact me after I asked them to stop texting me. This information was not transferred over after the moved the supposed debt to another company
|
| 06/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are several accounts that appears on my credit report that does not belong to me. Obviously someone has my information and have created these accounts.
|
| 11/10/2021 |
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
|
|
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
|
| 08/28/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
Despite multiple requests for validation Bull City Financial does not respond. I did not receive a notice of my right to dispute this in the first place.
|
| 03/20/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I was sent there for a medical issue from XXXX XXXX XXXX in XXXX XXXX NC. It is a free medical clinic and they sent me to XXXX XXXX to have a XXXX done.
|
| 10/09/2017 |
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
|
|
Web |
|
|
I sent a debt validation letter to the company and the only thing that was sent to me was a bill not something actually validating the debt is mine.
|
| 08/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Victim of identity theft, fraudulent accounts appear on my credit report already disputed. Wish to use this as a formal statement to have removed.
|
| 07/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I tried calling company and telling them I have no knowledge of this account also they have no signature or proof that I setup this account ...
|
| 09/13/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Bull City reported a medical bill on my credit report before notifying me about it. Additionally, its already been paid by my health Insurance.
|
| 12/02/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
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.
|
| 09/01/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
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.
|
| 12/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Bull City financing will not accept my dispute for {$1400.00} I keep telling them I left the house and someone cut the power back on
|
| 10/02/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Bull City Financial Services a debt collector has posted the same medical collection for {$170.00} on XX/XX/2018 on my credit report
|
| 09/01/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Bull City was written on XXXX XXXX, 2016 and asked to provide full legal validation/proof of this alleged debt. They never responded
|
| 04/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This company randomly put this on my credit report on XX/XX/2020. No notification. Nothing in the mail. No phone calls. Nothing.
|
| 03/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
on XX/XX/XXXX my identity was stolen for electrity from XXXX XXXX and I file a police report. I have attach the police report
|
| 07/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX, XXXX XXXX. asked for proof of bill being mine and never received any information from the debt collator on this bill.
|
| 10/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American |
|
an unpaid utility bill that I can not pay ( {$310.00} ). renters in my home left this unpaid. I am XXXX and can not pay.
|
| 04/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
about three months ago the company was supposed to send forms for me to fill out but I never received them.
|
| 10/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I logged onto my credit monitoring site and there are a few fraudulent accounts that's on my credit report.
|
| 11/10/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
It was a catalog credit card thing that i never received. Never ordered from the company or anything.
|
| 03/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XX/XX/22 - Contacted Bull City Financial is reporting a balance and there is no Balance {$100.00}
|
| 11/27/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
Debt was paid by XXXX health care department. The debt was paid in full and was never my debt.
|
| 03/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Bullcity solutions purchase my personal information which is illegal as shown below by law.
|
| 03/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There is a collection on my credit report for medical debt that doesn't belong to me.
|
| 03/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Bullcity XX/XX/2021 {$890.00} Disputed the account and sent a police r.eport
|
| 02/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
that account was not opened by me. opened XX/XX/13. says I owe {$130.00}.
|
| 08/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
The person is committing fraud I do not have a account with bull energy
|
| 05/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
AS OF XX/XX/2022 XXXX XXXX CLAIM THAT I OWE XXXX FOR MEDICAL REASON.
|
| 05/19/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have requested validation { not verification } of the item reported
|
| 01/24/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I do not understand why this is in collections. I know this was paid.
|
| 04/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This account was paid in full and it is still on my credit report.
|
| 03/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Bull City Financial Solutions , Inc XXXX {$160.00} XX/XX/2022.
|
| 01/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
disputed collection account XXXX2021 {$670.00} disputed denied
|
| 12/11/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Remove from my credit report not mind
|
| 02/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft.
|
| 02/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft.
|
| 03/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
No Contract with this company
|
| 12/16/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
Debt is n't mine.
|
| 02/13/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 02/07/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/07/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 02/06/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/06/2024 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/03/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/28/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 01/28/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/28/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
|
| 01/21/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/14/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/02/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 01/02/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/14/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/30/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 11/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/04/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 10/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/04/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 10/02/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 09/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 09/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 07/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 07/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/26/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 06/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 06/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/25/2023 |
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
|
|
Web |
|
|
|
| 05/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
|
| 04/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 04/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 04/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Phone |
Servicemember |
|
|
| 04/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/03/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Servicemember |
|
|
| 04/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/30/2023 |
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
- Problem with personal statement of dispute
|
|
Phone |
|
|
|
| 03/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
Servicemember |
|
|
| 03/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/14/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 03/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/11/2023 |
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
|
|
Web |
|
|
|
| 03/11/2023 |
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
|
|
Web |
|
|
|
| 03/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
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
|
|
Web |
|
|
|
| 01/30/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information is incorrect
|
|
Web |
|
|
|
| 01/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
|
| 01/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/26/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/08/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/23/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/02/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/22/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/20/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/19/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/11/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/10/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
|
| 10/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 09/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/15/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Servicemember |
|
|
| 09/01/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/26/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/16/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/08/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/07/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/02/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/29/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 06/16/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 06/16/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/14/2022 |
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
|
|
Web |
|
|
|
| 06/11/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 06/06/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 06/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/02/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 05/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 05/04/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
Older American |
|
|
| 04/19/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/19/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 04/19/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 04/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Servicemember |
|
|
| 04/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
Older American |
|
|
| 04/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/17/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
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
|
|
Web |
|
|
|
| 03/16/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/19/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
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
|
|
Web |
|
|
|
| 02/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/02/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 02/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/02/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/11/2022 |
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
- Investigation took more than 30 days
|
|
Postal mail |
|
|
|
| 12/27/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Referral |
|
|
|
| 12/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/17/2021 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/17/2021 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/16/2021 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/16/2021 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 11/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/02/2021 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/30/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 10/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/27/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/27/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/22/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Postal mail |
|
|
|
| 09/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 09/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/07/2021 |
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
|
|
Web |
|
|
|
| 08/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 07/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/26/2021 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Phone |
|
|
|
| 07/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 07/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
|
| 06/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/29/2021 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 06/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/24/2021 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 06/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/06/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/06/2021 |
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
|
|
Web |
|
|
|
| 06/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/25/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 05/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 05/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 05/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/30/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 04/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 04/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/05/2021 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 04/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Older American |
|
|
| 04/01/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 03/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/27/2021 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 03/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 03/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
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
|
|
Web |
|
|
|
| 02/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 11/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 11/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
|
| 11/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/29/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 10/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
|
| 10/24/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 10/15/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 10/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/29/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 09/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 09/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 09/17/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Postal mail |
|
|
|
| 08/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 08/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 08/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/04/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 08/02/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Postal mail |
|
|
|
| 07/15/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 07/09/2020 |
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
|
|
Web |
|
|
|
| 07/02/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 07/01/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/04/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 05/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Referral |
|
|
|
| 04/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Servicemember |
|
|
| 04/03/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 03/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 02/18/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/01/2020 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/21/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/12/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
|
| 12/21/2019 |
No |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/20/2019 |
No |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 12/16/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
Older American |
|
|
| 11/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 11/04/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/29/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/11/2019 |
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
|
|
Web |
|
|
|
| 10/07/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/01/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/29/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/22/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 08/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/05/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/17/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/09/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 06/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 04/18/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 02/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/11/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 02/08/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/04/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/24/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 01/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
|
| 01/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/18/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/03/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/16/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/07/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Servicemember |
|
|
| 11/05/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/02/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 10/04/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
|
| 08/13/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
Older American, Servicemember |
|
|
| 07/18/2018 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/06/2018 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 06/18/2018 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/07/2018 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/05/2018 |
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
|
|
Web |
|
|
|
| 05/29/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 05/25/2018 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/14/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Fax |
|
|
|
| 05/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 04/30/2018 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 04/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Fax |
|
|
|
| 03/27/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/08/2018 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/05/2018 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/02/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/01/2018 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 02/28/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/08/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Older American |
|
|
| 01/16/2018 |
No |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 01/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/28/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/12/2017 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Referral |
|
|
|
| 12/06/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 10/31/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/31/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/30/2017 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/11/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/10/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/10/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 09/24/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 08/17/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 08/01/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 07/25/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/05/2017 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 07/02/2017 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/19/2017 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 06/04/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/31/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/08/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 05/03/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/19/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
|
| 04/17/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 04/15/2017 |
No |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 03/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/21/2017 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 02/28/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/24/2017 |
Yes |
|
- Incorrect information on credit report
- Reinserted previously deleted info
|
|
Web |
|
|
|
| 02/13/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/08/2017 |
Yes |
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 02/06/2017 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 02/04/2017 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/29/2017 |
Yes |
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 01/20/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 01/15/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/12/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/04/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/25/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/01/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 10/31/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 10/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 10/05/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
|
| 09/16/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Postal mail |
|
|
|
| 08/08/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 07/23/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 07/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 06/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 05/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 03/29/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/24/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/26/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/05/2016 |
Yes |
|
- Communication tactics
- Threatened to take legal action
|
|
Fax |
Older American |
|
|
| 08/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/31/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Fax |
|
|
|
| 07/21/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 06/09/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/07/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Servicemember |
|
|
| 03/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/26/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/17/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/13/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 01/15/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/14/2015 |
Yes |
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 01/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 01/07/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 11/19/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/24/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 10/20/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/11/2014 |
No |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/03/2014 |
No |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/20/2014 |
No |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 06/25/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/16/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/24/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Older American |
|
|
| 03/24/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 03/14/2014 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/07/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Fax |
|
|
|
| 03/05/2014 |
Yes |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 02/17/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/13/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/23/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American |
|
|
| 01/19/2014 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/03/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/31/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/08/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Older American |
|
|
| 11/29/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Postal mail |
Older American |
|
|
| 10/14/2013 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/27/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 07/26/2013 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|