Bureau of Accounts Control CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
04/21/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07047	Web
Please be informed that over the last several months I have sent communication to the XXXX, XXXX, and Bureau of Accounts collections company. I explained that the the information being furnished about me is inaccurate and I asked them to STOP reporting this information because it causing me too suffer financially. This account is causing me to miss out on the low rates that other consumers were able to secure.If you look at my credit, you will see that I have been trying to get a mortgage and this account comes up as a problem. Besides this account, my credit has NO negative reporting across all 3 credit bureaus.I also communicated with Bureau of accounts collections company to review the paperwork they have about this account and send me copies of this information. They mailed me a list of charges but no signature on the paperwork, no payment information, no authorization of services, nothing. I clearly asked Bureau of accounts collections to STOP reporting this account as it is inaccurate. Violates my rights and is causing damage to me emotionally, financially a is a great embarrassment to me and my family as we are not able to move forward with our mortgage application. I explained I do not owe them {$860.00} balance and this is an error. I explained that if this account is not removed, I will file suit seeking damages for the missed interest rate that I could have gotten if this account was deleted in a timely fashion, {$1000.00} for violation and reporting inaccurate information about me, I will file for emotional stress and embarrassment, and for all attorney fees that have been incurred. I will also file a suit for each credit bureau that allows the Bureau of accounts collections company to continue reporting this inaccurate information about me. ( XXXX and XXXX ) This account came back ILLEGALLY verified from the credit bureaus and Bureau of accounts collections. They did not verify the accuracy of reporting and they responded in writing which I have a record of. I am writing the CFPB for help with this case before I sign the retainer agreement to file suit regarding this matter.I am going to explain this in detail. I do not owe {$860.00}. This amount is broken up into two different service codes. - XX/XX/2018 XXXX XXXX ( XXXX XXXX for {$260.00}. My insurance company said that because the Urology office is In-Network, that amount they are not supposed to bill to the patient as the charge is contracted with the insurance provider as the In-Network cost, and no additional amount should be billed to me for that service. - XX/XX/2018 XXXX XXXX XXXX XXXX XXXX for {$600.00}, the insurance company does not have any record of the dr. office submitting that claim for services on that day or for that amount. They said that because they are In-Network, You are supposed to first submit a claim to them and if they deny it, only then can they bill the patient. They said that In-Network providers shouldn't bill patients w/o first going through insurance. This is the first violation for In-Network billing practices. AND it's flat-out illegal since they've already contracted for a set price for that service as an In-Network Provider. I also called the Bureau of accounts control to explain the situation and they've asked that start getting them all types of paperwork and information regarding this debt they alleged I owe. I asked them to do this originally when I first wrote them and they did not. I had to go behind them and request this information. Even after they did not complete the request, they still divide to report this account on the credit EVEN WITHOUT VERIFYING OR SUBSTANTIATING THIS DEBT. I will produce the information I have to the CFPB to hold accountable everyone who is ignoring my requests and everyone who is involved with causing me harm. Attached you will find a copy of the EOB ( Explanation Of Benefits ) for the {$260.00} charge where it shows {$0.00} due by me. I've highlighted the charge in yellow and you can see where it says '' {$0.00} owed by me ''. For the 2nd charge, they said to explain in the letter that the provider didn't submit a claim for this and the insurance company has looked in multiple systems/places/archives and does not see any record of a submission for the {$600.00} claim. Because they are an In-Network provider, this is a violation of their contact with the insurance company as they have to submit all claims to them first before billing directly to the patient. For this, they've asked that I provide a copy of my insurance card ( front/back ). All I have is my current insurance card, not the one from 2018. They can use this to verify and validate that they are collecting a legal debt. They did not request the appropriate information causing unnecessary harm to me and my family during this state of emergency. The insurance company has 3 claims in total from the provider, so clearly they had the information, they just didn't file the claim, and the Bureau of accounts control did not do their due diligence as requested. This negative account is the only account on my credit. This is causing severe damage to my FICO score and preventing me from getting the rate I deserve. On a house that costs $ XXXX, the difference of half a percent will cause me to suffer over {$100000.00} over the lifetime of the loan.
02/18/2021	No	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	NJ XXXXX	Web
This entire interaction happened within the last 2 months. I received the bill that I asked for on XX/XX/XXXX from BAC Services dba Bureau of Accounts Control, XXXX XXXX XXXX XXXX, NJ XXXX. Phone : XXXX I have received a written notice in the mail from BAC Services, LLC ( Bureau of Accounts Control ) that stated that I owe {$160.00} for XXXX work performed in XXXX of XXXX. I called the number in the letter and spoke with ( possibly XXXX ) not certain, but all my proceeding conversations were with her. I explained that I was in Chapter XXXX bankruptcy since XXXX of XXXX and that I am on a 4 year plan. I told them that I have never received any bill from my XXXX and that this is the first time I am made aware of this. I asked the person to please mail me the actual bill. I also stated that I would not have refused to pay a bill in the amount of {$160.00} while in Chapter XXXX. I was working really hard to have a clean slate after the discharge of my debt. She became annoyed with me after I told her about my bankruptcy but agreed to send me the original bill. After I received the bill I noticed that out of the {$160.00} charge {$110.00} was for billing and not the actual charge. I received another call even though I told them to please not call me and that I will try to resolve this as soon as possible. I also informed them of my lawyer 's name and contact information which the lady I was speaking to did not care to take or acknowledge. I live pay check to pay check. I have been furloughed a few months back for 6 weeks. I have not been able to do a good portion of my work that would bring more income because of Covid. I have been paying my monthly payments to the Trustee on the regular basis. I am employed however and extremely grateful for that. I then received another call at my office even though I explicitly told the person I was speaking to not to call. I wanted to resolve this, but I did not understand why they were calling me and threatening more phone calls and telling me how this will be affecting my credit after I have informed them that I have a bankruptcy lawyer and that they could contact him if they needed confirmation. I did ask her if she is allowed to call me after I gave her my lawyer 's information but she did not answer. In my further conversation I asked if the amount could be lowered because I really did not know of this bill and it seems that most of it are just late billing charges. She said that I can send them a letter and that they will check with their client. I told her that I will do that and that I really don't have any extra money but that I will try to resolve this. Again I reminded her that I am in Chapter XXXX bankruptcy but that got her very annoyed and she became rude and told me that they don't deal with lawyers and that this is my problem. Then she yelled at me and said okay I won't call you any more. She said again that she doesn't talk to lawyers and she hung up on me. The next thing I know is that I received an alert from credit monitoring company that a negative item posted on my account. When I went to check I realized that it was this XXXX bill. I would like to see this removed and I would like to resolve this by paying the original amount owed of {$58.00}. I am considering suing this company. I find that their practices are extremely offensive, rude and demeaning. It could be just this one person I dealt with not the entire staff but that was my experience. This type of behavior needs to stop. Especially right now when we are all in some sort of dire straits.
06/17/2016	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NJ 07840	Web
There was a discrepancy in my XXXX bill, based on what the insurance company paid, and what the XXXX office had on file. I asked for the statement for countless, endless months and it was never provided. Finally the XXXX office provided it and sent the bill to collections, the dentist 's name is XXXX XXXX XXXX. The collection agency is Bureau of Accounts Con. I received my explanation of benefits from my insurance company and created a spreadsheet, based on what the insurance company knows they paid and what the dentist has on file. The numbers do not add up. I 'll provide this documentation to anyone who asks. I have n't received a response to my attempts to contact the collection agency despite attempting to contact them for at least three months. I was on the phone with the credit bureau, who tried to reach out to the collection agency with me on the phone, and they were not able to get them on the phone either. I filed a complaint against the XXXX with the XXXX ; the XXXX later wrote me saying they would investigate the issue. They later returned and stated that the XXXX never responded to their attempts to contact him. I also filed complaints the XXXX as well as the medical board, the local courthouse, my police department, and the credit bureaus. I also informed my personal attorney about this. It 's becoming a habitual practice with the XXXX and the collection agency, that they are very challenged when it comes to communication and follow-up skills. It 's not my practice to go after people but since nothing is getting resolved, going to court may be my next action, due to inferior work, the XXXX doing work I did n't approve, double charging me when he needs to re-do his work, due to poor customer service, due to the payment not being reported correctly, and due to not receiving documents when I requested them. If I do go to court I have stated I will donate my proceeds because this is about principle and not capital. My reputation is at stake and my credit score has suffered and this company is just ignoring me while I 'm trying to resolve this. I 'm not receiving any proof of this debt or any explanation from the collection agency, and I 'm just looking to get this resolved, but all of these practices need to be put on record and on file. The dentist called a policeman, who then made harassing phone calls to me, stating I need to contact the collection agency and not the XXXX. However the XXXX would not provide contact information for the debt collection company, so I was contacting only the people I could. After reporting this to my local precinct, I found out that this practice of contacting a private citizen regarding a XXXX bill is not legal. The policeman who contacted me also stated he was filing a report, but never took a statement from me. My local precinct also stated this is not proper procedure and were very skeptical of these sorts of practices. Another example of the credit agency 's lack of respect and communications is when I wrote another letter to them dated XX/XX/XXXX and instead of responding to me, they just reported me to the credit bureau again, upon receipt of the letter on XX/XX/XXXX. I do n't understand why they would just ignore me and not respond. They reported me twice in one month ( XXXX XXXX and XXXX XXXX ). It should be in everyone 's best interest to resolve this issue amicably. This is not how business needs to be conducted ; we need to work together because we can accomplish anything if we can work together. I look forward to working this issue out amicably.
02/04/2020	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07036	Web
I had an been in collections by Burea of Accounts CONTR XXXX Address XXXX XXXX XXXX XXXX XXXX NJ XXXX. Phone XXXX XXXX XXXX. I am filing this complaint with this collections agency for destroying my credit to low 500s. I am unable to even rent an apartment, or lease a car, or obtain a credit card due to their refusal to submit a claim to my medical insurance company or through my XXXX car insurance company. In NJ a person has the right to submit a claim to either medical or car insurance at their discretion. I confirmed with this company that a year and a half ago they had been informed of my medical insurance that covers ambulance bills. My emergency room visit had gone through my medical insurance but the company refused to submit the claim. I had confirmed with XXXX and there are notations made where I had attempted to even submit the claim myself but was advised the company must submit it. XXXX ID XXXX group XXXX. I am now being billed {$1600.00} with a ruined credit score and according to my plan I was only to be held responsible for 25 % of my ambulance bill because of my great medical coverage. Also, I do not appreciate the discrimination in having my ambulance bill refused to be put through as a claim to my medical and/or through a XXXX car accident claim under XXXX. The other people involved had been given free ambulance ride covered through my XXXX car insurance policy. This company had TWO options of submitting in a claim before they completed ruined my credit score. This company had not only refused to allow me to make monthly payments if it was past claim submission but they had lied to me a year and a half stating they will put the claim through my medical which had been provided over the phone. I had mental health issues for the past 3 years and was put on family medical leave and I do not appreciate them taking advantage of a person with mental health XXXX issues since the date of XX/XX/2017 where I had taken an ambulance to the emergency room. The emergency bill had been covered through my insurance and the ambulance refused to submit the claim to my insurance. I find this discrimination horrific and it has caused me even more emotional distress that could have been solved if they had not discriminated against me. Not to mention, I am unable to even rent an apartment that had led me to end up renting rooms where I was in horrific situations that caused me even more emotional distress. I had attempted to solve this issue on numerous calls about 2 years ago and they refused to cooperate with me. As a resolution I would like to be held accountable for the 25 % of the {$1600.00} that they are billing me for since they had refused to put in the claim within coverage dates to be covered through two insurance companies.
01/11/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19116	Web
BUREAU OF ACCOUNTS CONTROL This letter is to inform you that the above referenced accounts being reported by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I have recently opted out from all secondary credit reporting so please do not rely on them for accuracy for they should not be sharing any of my information. I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts? I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding these items listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.
06/12/2018	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 074XX	Web
Debt was paid in XX/XX/XXXX for the full amount of {$360.00} for services rendered in XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX. I have received notice to verify account has been settled in full dated XX/XX/XXXX and that this information would be forwarded to all three Credit Bureaus to delete this from my credit report. This account still shows open and has not been reported to one of the three bureaus ( XXXX ). I have contacted the company and they stated they submitted electronic request to all credit bureaus and I needed to contact them there is nothing else for them to do this happens all the time and it is out of their control. I contacted the above mentioned credit bureau ( XXXX ) and they stated they have not received any electronic communication from the collection agency and account still shows active and open, the company will have to resend over the request before account can be deleted from my credit report they can not just delete without receiving communication from collection agency. I contacted the company twice in XX/XX/XXXX and again in XX/XX/XXXX and each time they keep giving me the run around saying there is nothing they can do another department handles submitting the request to the credit bureau 's, they do not accept phone calls from customers and they were not able to resend the information since it was already sent the first time.
11/13/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19010	Web
I was checking my annual credit report and notice a derogatory mark on my report which dropped my score 50 points. After doing some investigating I realized it was from a debt collection company collecting a medical bill I owe. I was hospitalized in XX/XX/2018 and I had bills from multiple different doctors. I've paid so many different doctors for my time in the hospital so it looks like one doctor was missed. However I didn't receive proper notification of this debt or warning that actions against my credit score will be taken. I was on unemployment this year so I also was financially vulnerable this year. The action taken against me by this company is predatory and should be investigated. I will kindly pay the debt owe without any repercussion to my credit score which was unfairly placed. XXXX XXXX, XXXX dba Bureau of Accounts Control XXXX. XXXX XXXX XXXX, NJ XXXX Phone : XXXX Amount in question {$330.00} Derogatory marks reported to 3 credit bureaus. Credit score dropped 50 points Occurred XX/XX/2018
04/08/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NY 10013	Web	Older American
Medical billing service XXXX or laboratory entered wrong insurance identification number on insurance claim form when submitting claim. Insurer denied the claim and informed me I was not liable for amount ( {$500.00} ). Billing service waited too long to file an appeal and began sending me notices. I contacted billing service and explained situation. Also, arranged conference call with insurance company and billing service. Insurer informed billing service I was not responsible. Billing service turned debt over to collection agency. In XXXX 2015, collection agency reported debt to credit report companies XXXX, XXXX and XXXX without stating that debt was disputed and without contacting or informing me. I sent collection agency letters and proof from insurer that I was not liable.Collection agency stopped billing me. I just found out that the debt appears on my credit report and has affected my credit.
06/30/2021	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY XXXXX	Web
XXXX XXXX XXXX, XXXX, Date of Service : XX/XX/XXXX, Amount Due : {$820.00} Debt sent to Bureau Of Accounts Control for collection. Derogatory remark placed on my Consumer Credit Report. The {$820.00} bill in question is in reference to a XXXX XXXXXXXX XXXX XXXX XXXX XXXX with a date of Injury XX/XX/XXXX and XXXX Case No. : XXXX. The carrier is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case No. : XXXX. Please note that under the law a bill is considered timely if it is sent within 90 days of the last day of the month in which treatment was rendered. Please note that any attempt to collect this debt through a collection agency from the claimant even should XXXX XXXX XXXX XXXX XXXX XXXX XXXX not pay is considered actionable under Section 13-f of the XXXX XXXX XXXX
10/06/2023	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NC 28273	Web
I attempted to contact the company several times because this account is inaccurately being reported to my credit report. This account was fraudulently sent to collections. This is a medical bill that was supposed to be submitted to my insurance company. The bill I received stated it was sent to my insurance however my insurance has no record of this claim. I also had secondary coverage on the date of service and therefore I would have never been responsible for this debt. Also under the new XXXX XXXX any XXXX XXXX under {$500.00} can not be reported. The original bill was {$600.00} and I have proof of {$200.00} worth of payments. They are reporting that I owe {$780.00} as the original balance when I have proof that amount was never owed.
02/24/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 088XX	Web
In XX/XX/2020 debt collector contacted me on be half of original creditor ( XXXX XXXX XXXX ) apartment owner. The debt collector claimed I have unpaid amount of {$590.00}. Right away I checked on my bank account and saw the image of cleared check. The snapshot of the check has handwriting mark of check depositor with my apartment name on it. I contacted the XXXX XXXX XXXX to confirm, they confirmed I do not have unpaid dues. In XXXX, I received few calls from debt collector which I didn't answer since I was out of country and they left me a voicemail. Inspite of explaining debt collector and confirming with original debt collector. They filed a complain against me on credit report. Now they have ruined my history. Very unprofessional
03/19/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 28562	Web	Servicemember
I was seen in XXXX and paid all co-pays told were due at the time of service. I did not receive a bill from XXXX XXXX XXXX until XX/XX/XXXX. I submitted check XXXX on XX/XX/XXXX, it cleared my bank XX/XX/XXXX. I received messages from Bureau of Accounts Control on XX/XX/XXXX ( Letter dated XX/XX/XXXX ). My wife called them XX/XX/XXXX to explain that the debt had already been paid by check and the check cleared the bank. The agent told my wife that would be no problem and we would only hear back if XXXX XXXX XXXX disagreed. Nothing was said to us until they called today to say that we still owed the money. The debt has been settled nearly 2 months now and the calls are harassment. Please order a cease and desist.
04/04/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10453	Web
I have been disputing this account BUREAU OF ACCOUNTS XXXX with XXXX since XX/XX/XXXX and the other credit bureaus, XXXX, and fast XXXX replenished deleted the account, but XXXX continues to report this account and responding that the account is correct and verified. when the company has never validated the account or provided a HIPAA release. On XX/XX/XXXX I started to keep track of my disputes in case I needed to make a complaint like this. and here I have some of the proof of my disputes with copies of certified mail and tracking number. also experian open a investigation one date and next date update if and three more date just close the dispute.and this is being since XX/XX/XXXX XX/XX/XXXX
07/25/2019	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	NY 10453	Web
on XXXX XXXX, 2019 i send a dispute to the credit bureaus : XXXX, XXXX and XXXX. all of then respond, XXXX delete the account because they couldn't verify or validate also XXXX but XXXX not. and a have some screenshot of the time they investigate this account which i think is not enough. I've kept trying month after month because I know it's not right. the last dispute was open on XXXX XXXX, 2019 and was closed by then on XX/XX/XXXX, 2019. i feel that they just using they automatic system and are not doing a real investigation. i also contact then company my self and they just send me a bill, not my hippa release or validation. this is the company BUREAU OF ACCOUNTS CONXXXX
05/26/2017	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NY 113XX	Web
Bureau of Accounts, Con has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received any letters nor telephone calls that pertains this debt. This account is unverified and immediately needs to be deleted from my all credit files - XXXX , XXXX and XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt '' . If Bureau Of A ccounts does not have any documentation, they need to retract this from my credit file immediately.
03/18/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11003	Web
BUREAU OF ACCOUNTS COLLECTION IS COMING UP ON MY CREDIT REPORT LAST SHOWING REPORTED XX/XX/2022. THIS COMPANY IS A DEBT COLLECTION AGENCY FOR A DOCTORS OFFICE. THIS DOCTORS OFFICE FRAUDELENTLY RAN MY CREDIT CARD AND REFUSED TO BILL MY INSURANCE COVERAGE FOR SERVICES RENDERED. THE BALANCE SHOWING ON MY CREDIT REPORT IS INACCURATE. I HAVE TRIED CALLING THIS COMPANY SEVERAL TIMES AND THEY REFUSE TO GET BACK TO ME, REFUSE TO UPDATE THE ACCOUNT BALANCE AND MOST IMPORTANTLY THIS IS A MEDICAL CLAIM THAT SHOULD HAVE WENT THROUGH INSURANCE.
11/05/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 11358	Web
The collection ( {$3100.00}. XX/XX/2018 ) on my XXXX report was wrongfully placed on me. It actually belongs to my relative who used my address. I sent XXXX the debt collection notice & medical bill with my relatives name as proof but they still said the collection stands. I contacted the debt collector and even they had my relatives name instead of mine in their system. It seems XXXX was NOT really doing any investigation on dispute and was not willing to fix their error.
04/17/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08721	Web
15 U.S.C 1681 Section 602A. States The Right To Privacy 15 U.S.C 1681 Section 604A. States A Consumer Reporting Agency can not furnish a account without my written instructions. This Company placed medical debt collection on my credit report without any communication. This Debt does not Belong to me And I want it removed from all three Credit Bureau. XXXX XXXX XXXX XXXX XXXX - Bureau of Account Control XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX
04/05/2017	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 349XX	Web	Older American
I had XXXX in XX/XX/2013 from XXXX NY XXXX I paid a flat fee for the XXXX and was later billed an additional {$360.00}. At that time I complained about about the additional charges and the doctor 's office could not provide any explanation or information ... The doctor has poor ratings and I want to register a complaint against
05/17/2019	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NJ 070XX	Web
I CALLED MY FAMILY DOCTOR AND ASK THEM ABOUT WHY IM IN COLLECTION. THEY STATED THEY DI'NT HAVE ANY RECORD OF THE COLLECT ACCOUNT. THIS COMPANY HAVE {$90.00} COLLECTION ON MY CREDIT REPORT. BUREAU OF ACCOUNTS CON XXXX XXXX XXXX XXXX XX/XX/2017 {$90.00} {$90.00} XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
10/07/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 078XX	Web
This account has been closed and should NOT be on my credit report. It was to be removed XXXX 2015, yet it is still on ALL XXXX credit bureaus report.
11/02/2023	No	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08880	Web

05/01/2023	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NY 10309	Web

04/22/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NY 11212	Web

01/27/2023	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NJ 07086	Web

12/05/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33615	Web

10/15/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 10453	Referral

08/18/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08862	Referral

05/06/2021	No	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	NJ 08527	Referral

11/24/2020	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08861	Web

02/06/2020	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07036	Phone

12/06/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07003	Web	Servicemember

09/10/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08824	Phone

06/29/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07001	Referral

05/26/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 33615	Web

03/20/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33615	Web

01/25/2018	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 08701	Web

01/12/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07724	Fax

11/07/2017	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 17026	Web

10/20/2017	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	TX 75023	Web

10/28/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10017	Postal mail

08/21/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33433	Web	Older American

06/16/2016	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NJ 07840	Phone

06/16/2016	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NJ 07840	Phone

01/12/2015	No	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NJ 07082	Web

10/22/2014	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NJ 07731	Web

07/31/2014	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 07643	Web

01/04/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 07088	Web