CAC Financial Corp CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
07/25/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36869	Web
Request for VALIDATION, NOT Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX XX/XX/2018 CAC Financial Corp RE : Accounts # To Whom It May Concern : 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 the 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. Best Regards, XXXX XXXX
12/14/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OK XXXXX	Web
CAC FINANCIAL STATED THEY WOULD SEND VERIFICATION/ITEMIZED BILL ONTOP OF IGNORING MY REQUEST FOR A SIGNED HIPPA RELEASE, THEY SENT ONLY PHOTOCOPIES THAT ANYONE COULD HAVE TYPED UP THEMSELVES. THERE ARE NUMEROUS Descreptancies WITH BOTH BILLS. ONE WHICH DOES NOT EVEN HAVE MY NAME ON IT. BOTH BILLS HAVE A DUPLICATE CHARGE FOR SAME SERVICE YET COMPLETLY DIFFERENT AMOUNTS BILLED, ALONG WITH NUMEROUS DUPLICATE CHARGES ON THE BILL THAT IS NOT MYSELF FOR SAME SERVICE. THE BILL OF {$3800.00} SHOULD OF BEEN XXXX OUT {$0.00}. I HAD ALREADY BEEN XXXX FOR OVER A YR DUE TO XXXX XXXX XXXX XXXX, I WENT INTO XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT SURE WHY OTHER CHARGES WERE CHARGED. I ALSO FILLED A HARDSHIP APPLICATION AT HOSPITAL AND WAS INFORMED ALSO THAT XXXX WAS OPENED FOR ENROLLMENT DUE TO PANDEMIC, I APPLIED AND IMMEDATELY APPROVED. XXXX XXXX XXXX XXXX XXXX AND WAS DOWN FOR CLOSE TO TWO MONTHSXXXX XXXX XXXX XXXX XXXX XXXX THAT RESULTED IN XXXX XXXX XXXX AND TWICE WEEKLY VISITS TO XXXX XXXX FOR CLOSE TO A YR. THIS WAS NOW GOING ON 3 YRS OF XXXX. I QUALIFIED FOR XXXX XXXX AND WAS APROVED AND STILL ON TO THIS DAY, COMPLETED HARDSHIP APP AND HOPSITAL RESULTS OF HARDSHIP APP WAS THEY NEEDED TRANSCRIPT FROM IRS BC THEY CANT ACCEPT SELF PREPARED TAXES, AND AT THAT TIME IT WAS NEXT TO IMPOSSIBLE TO EVEN REACH THE IRS BUT EVENTUALLY RETRIEVED THE TRANSCRIPT AND SENT TO HOSPITAL AND WAS INFORMED IT WAS IN COLLECTIONS. I AM BY NO MEANS IN A POSITION TO PAY THIS, EXSPECIALLY SINCE HAD I KNOWN I COULD GET MEDICAL FROM STATE THEN I WOULD OF BEEN ON IT WHEN I WENT TO XXXX BC I DID QUALIFY FOR IT.THIS COLLECTION IS HURTING MY CREDIT. BEING XXXX BEFORE PANDEMIC, XXXX XXXX ONLY AS A XXXX FOR MERLY XXXX WKS BEFORE XXXX TOOK THAT AWAY. THEN ONLY TO HAVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ALSO NOTICED ON THIS OTHER BILL WITH DIFFERNT NAMES THERE WAS A SELF PAY DISCOUNT, WHY WOULD THAT NOT BE APPLIED ALSO TO THE BILL OF {$3800.00}. REGARDLESS I requested to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of BOTH accounts. According to the Consumer Reporting Act, Section 609 ( a ) ( I ) ( A ), the collection agency is required by federal law to verify - through the physical verification of the original signed consumer contract- on any and all accounts they post on your credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent accounts or info. They have not provided me a copy of a contract with my wet original signature to validate I owe the debt. Please remove these negative unverified accounts from my credit file.
10/11/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60616	Web
XXXX XXXX XXXX XXXX, I got admitted to this hospital in XXXX XXXX XXXX billed was {$16000.00}. I have provided my insurance card and my ID card. Also my wife call my insurance to be sure that my insurance will cover out of state emergency visit and they said yes. The hospital did not forward the bill to my insurance company but they report it to credit bureau instead. I have called them to resolved issues they response is they dont send out claim to insurance company. Which dont make sense. I have never heard any hospital that doesnt send out bill to insurance company so they can get their money. CAC FINANCIAL Corp. reported that I owe {$16000.00} to the credit beurea, it really took a hit in my credit report. I have contacted around XXXX XXXX and spoke to XXXX they said they transfer it over to XXXX XXXX. Called again on XX/XX/XXXX because on my credit report CAC Financial Corp is the one that reported it. Called CAC Financial, Spoke to XXXX, and explained the situation and Im willing to provide my insurance information, so they can collect the balance from my insurance. His response its more than 50 days the insurance will not pay for it. But I provided my insurance at the hospital. Its their mistake they didnt file the claim. XXXX said XXXX the XXXX will contact me shortly to discuss but never recieve a phone call from her. So my wife called following morning to speak to her. XXXX picked up and says to my wife, he cant discuss the account to my wife. My wife handed me the phone and I told XXXX, he can talk to my wife and discuss anything about my account. XXXX responds I need a written letter saying I authorized my wife to discuss about my account and he hung up the phone. I called right back, woman pick up the phone name XXXX, Asked for my name, before I even say anything she said I need a written letter before my wife can speak to them. Im calling for myself. This is Company is ridiculous. Even hospitals dont asks for written authorization to discuss health issues as long as I told them, they can discussed it with my wife and approved it, Even if its over the phone! I just wan na resolved this issues. They are making it so difficult and stressful. I have insurance, but they didnt send the claim and now expect me to pay {$16000.00}. How can I pay when I wasnt able to work and took me a year to recover. This really messed up my credit.
05/09/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 73109	Web
I have already disputed this amount with XXXX. I was seen on XX/XX/XXXX which was a Saturday. They billed my insurance for {$10000.00} for a in house XXXX a doctor that had no idea what he was dealing with he was told by me to treat with XXXX he gave me XXXX XXXX. Then XXXX was before knee. He sent me home I returned to ER less then 30 hrs later with XXXX at knee he order another XXXX which was unnecessary and gave me a XXXX XXXX XXXX, XXXX XXXX that did nothing for XXXX. Sent me home and billed my insurance {$16000.00}, then I was XXXX on XX/XX/XXXX cause the XXXX got mid thigh and XXXX XXXX controller doctor came in and started a XXXX XXXX XXXX XXXX to fight it. If the doctor what of done his job it could have been stopped the first night but they racked up the bill. I'm willing to take this to court for Mal practice. And until it's resolved with your client I demand you remove these accounts from my credit report or I'll involve cac in any suit that get start. Go head I give you permission for the whole medical report from XX/XX/2018 to the XX/XX/2018. Get complete itemized statement as well and please send them to me. But I promise before I let you destroy my credit over a bill that should only be about {$2000.00} and the charge XXXX for I will sue everyone one involved. Fill free to contact me by mail I have a new address since visit. To make this easy for you to understand an outside Doctor came in and was paid. The XXXX was done by XXXX XXXX and was paid. XXXX only provide a doctor the first time and pain medicine. But there billing as if the provided every thing. I am going to get my insurance involved in all this I will get the FTC involved the attorney general involved there frauding the insurance and there getting you opress me through my credit report to pay there's will go to state court I'll take you to federal court under the FDCPA. Please get and review information from your client before you proceed.
04/20/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76119	Web
Issue, just graduated high school went off to college. I am on my mothers insurance and all Bills are sent to my mother who will handle bill if received. I did not receive a bill while in college nor knew that I owed a balance when XXXX insurance company said my yearly deductible was meet. I have never spoke with this agency until I viewed my credit and called and ask a question. The lady on the phone was rude, got FLY and said You are responsible for this bill period. She did not give me any detail nor did she explain what was it for. I tried over and over to prob for more question but the more I did the ugly she was, it was just pointless. I felt so lost and did not understand why was I treated like a criminal. College student first year in college as a freshman did not have a job just a struggling student coming from a 1 parent household. My mother is handicap and does what she can to help me while in college and pay bills with her XXXX. Even my mother called and ask question but they are rude and told her he owes this bills. Now Texas does have the HIPPA LAW. They violated this. All info was given. My information should be private and not released to any one. When a payment was made HIPPA rights was violated, then years later Im still looking at this same bill.
09/25/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OK 73069	Web
I had a workplace accident on XX/XX/2019. I XXXX my XXXX Taken by ambulance to XXXX XXXX XXXX XXXX. I was in contact with my employer 's insurance. XXXX ( XXXX, Claim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX ) charged ME for Ambulance services, and sent the bill to Collections with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX Hospital charged ME for the ER visit. I took my claim information to XXXX, but it wasn't put in their system. I visited the business office at the XXXX XXXX TWICE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX ) and sent the bill into collections with CAC FINANCIAL CORPS / collections at XXXX XXXX XXXX # XXXX, XXXX XXXX, OK XXXX It had already been sent to Collections, and was out of their system I started getting calls from their collection agency. I explained that it was workman 's comp. I contacted XXXX 's, ( see above ) and they assured me that they would correct the situation with the collection agency. My credit score has dropped 300 points. and I've just blocked the collection calls. I was assured by XXXX 's that they would negotiate with collections. Through no fault of my own, I am being chased for this collection.
02/28/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77478	Web
Hello, My Name Is XXXX XXXX. I Am Trying To Clean Up My Credit and Erase Bad Charges On My Credit. I Dont Have Any Recollection Of Who Gave Administered The Services. I Reviewed Our Records and Have Found Some Years Back That I Was Given A XXXX XXXX For A XXXX XXXX. You Say Youve Got A Original Record Of Me Doing Business With Them. I Dont Think That I Was Being Treated Fair Be Given Two Bills That Equal To About {$2900.00} According To My Credit Reports. For A XXXX XXXX For A XXXX XXXX. Based On Our Records, XXXX XXXX Does Not Have A Good Practices With Charging According To The Court Systems and The Daily Oklahoman. Also, According To Records, The Average Price For The Procedure Is $ XXXX {$120.00}. Out Patient Visits Vary $ XXXX {$2100.00} Based On The Procedure. I Have Not Had Any Significant Health Injuries. Im Asking You To Erase This Bill With XXXX XXXX Off Of My Credit. Ive Not Spent Time In The Hospital For Anything. Ive Had Not The Best Of Luck Financially. Im Wanting To Pay The Bill For Outpatients Services. I Am Able To Pay {$400.00}. In Full. I Look Forward To To a Good Business Relationship and Being Responsible For Any Debt If I May Owe You. Im Wanting To Settle My Bills. Thank You! XXXX
01/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 36830	Web	Servicemember
In XXXX of XXXX I became aware of a low score on my XXXX Credit report. Upon investigation, I learned that there has been a company reporting a {$1300.00} debt collection on my XXXX report since XXXX. I have never received any correspondence of any kind from this company - CAC Financial Corp - XXXX XXXX, Oklahoma. I have never entered into a contract with this company and have no privity of contract whatsoever with this organization. I have never agreed to pay CAC Financial Corp - XXXX XXXXXXXX, Oklahoma any amount for any product or service. If CAC Financial Corp - XXXX XXXXXXXX, Oklahoma is attempting to collect a debt for some other company, they have not operated in good faith, in that : XXXX ) They have never communicated with me at any time, in any way. XXXX ) They have made no attempt to validate any debt with me, or obtained verification from me of any debt between me and any other entity or individual. If CAC Financial Corp - XXXX XXXX, Oklahoma can prove privity of contract between me and CAC Financial Corp - XXXX XXXX, Oklahoma, I request documentation to this effect. If they can not, I demand they remove their collection item from my credit report.
09/19/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 895XX	Web
Back in XX/XX/2015 I was out of town eight hours away from home for work in XXXX, Texas. During this 14 day hitch I happened upon a medical emergency. At the time I realized I did not have my insurance card available. I had mistakenly left my credentials at home. I was treated at the emergency room and then told to call back with my insurance information. Once my hitch was over and immediately after arriving back home I contacted the hospital 's department that handles bill pay. I then submitted my information and then NEVER heard back after following up a few weeks later. At the end of the following month I landed on hard times as I was laid off along with six others in my department due to the crash in the oil and gas market. It was then that I lost my ability to pay for my monthly health care costs. Sometime after this episode this bill was released to collections since I had no way of paying being without employment. This derogatory mark is now weighing heavily on my credit and prohibiting me from getting credit to build my credit report up to a more favorable score.
11/18/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33034	Web
I reviewed my credit report and saw the following collection that I have not received documentation stating this debt is mine and I am not responsibile finanically for it. It affecting my ability to qualify for credit. Below is the contact information. CAC FINANCIAL CORP Original creditor : XXXX XXXX XXXX XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : XXXX XXXX Balance on XX/XX/XXXX Original balance {$120.00} {$120.00} Payment Info Original balance {$120.00} Balance {$120.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments- Your statements- Contact XXXX XXXX XXXX OKLAHOMA XXXX, XXXX ( XXXX ) XXXX Is everything correct? If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
11/17/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 34986	Web
I have a false medical collection on my credit report from CAC FINANCIAL CORP, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX, Phone : ( XXXX ) XXXX. It is for a doctor 's visit in which my regular doctor was busy playing video poker to see me so a nurse stood in and doubled billed my insurance and she lied and billed me as a specialist. Her name is XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I have contacted the collection agency and I have contacted the billing department for the crooked doctor 's office and so far they have n't corrected the fraudulent claim. Attached is the fraudulent XXXX bill and a copy of my usual bill. I paid the XXXX bill the first time at the office the day of the visit, I did n't learn of her attempt at double billing until I received a email stating the collection was on my credit report a couple of weeks ago. I have been trying to get everyone involved to fix this issue.
01/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85629	Web	Older American
On XX/XX/2019 I had go into XXXX XXXX XXXX XXXX in XXXX XXXX Arizona. The doctor installed a catheter into my urinal bladder. On the next morning XX/XX/2019 I had to return as the catheter nurse practitioner failed and came out. XXXX XXXX XXXX XXXX XXXX sent me a bill for {$590.00} for failed procedure done by his nurse and charged again for this malpractice another {$590.00} on XX/XX/2019. The payments were made by check : {$960.00} and which includes XXXX payments they did not credit me with and another approved allowed amount of {$350.00} from XXXX XXXX insurance that they refused because they claim in was out of network. XXXX XXXX Physicians hired CAC Financial Corp to collect more money from me this collection company from XXXX XXXX ( XXXX ) XXXX or XXXX XXXX has been continually calling me to collect and will not stop. They claim that I need to send money to them. I made payments directly to XXXX XXXX XXXX.
04/08/2019	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	OK 74012	Web
CAC Finanical contact my wife regarding a medical debt-that is not valid-ed at all. A few weeks ago, They called her on her cell phone and stated that they need to speak with me regarding this debt. She stated that she was my wife and asked what she could help them with. The collector proceeded to tell her about the debt and when my wife stated that the was not correct that our insurance should have paid it, the collector told her that was not her problem and she need to speak with her insurance but pay the bill. My wife pointed out that the collector did not informer of her rights and that the call could be monitored, nor did the collector verify any information to see if she had the right to collect the debt. The rep stated that the call wasn't over yet and she still had time, and my wife stated that it was and disconnected the call. After that they call my wife 's cell phone 2 to 3 times a day, every day!!!
02/24/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA 707XX	Web	Servicemember
On XX/XX/2015, I went to an emergency room due to XXXX XXXX. I called XXXX and was taken to XXXX XXXX XXXX XXXX in XXXX, Texas. While at the hospital, I was told that the VS would be covering the medical bill 100 %. I was released and I never heard another thing from the hospital or Veteran 's Affairs about the visit or any unpaid bills. I was never called nor did I receive one piece of mail concerning a bill or owed amount. I was recently made aware of the hit against my credit as I am trying to get financing for a new home. I called the credit collection company XXXX XXXX XXXX at XXXX and they said they would not delete the credit reporting without the VA paying the bill. I've called the VA several times at XXXX and XXXX and I get transferred several times and then eventually end up on hold for extended periods of time ( >45 minutes ) and nothing has been resolved with them.
10/15/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 36695	Web
I requested to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the account listed below. The collection agency sent me a generated bill as debt validation. According to the Fair Credit Reporting Act, Section 609 ( a ) ( I ) ( A ), the collection agency is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. You have not provided me a copy of a contract with my wet original signature to validate I owe the debt. Please remove these negative unverified accounts from my credit file. CAC FINANCIAL CORP XXXX No contract, contract canceled. Unverified Account CAC FINANCIAL CORP XXXX No contract, contract canceled. Unverified Account
03/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95020	Web
On XX/XX/2020, CAC FINANCIAL CORP add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 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 the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
05/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77535	Web
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CAC FINANCIAL CORP. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
03/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77535	Web
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CAC FINANCIAL CORP. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
05/01/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NM 87301	Web
I honestly have no idea what this collection is or about. I believe it's from when I was involved in a serious car accident was flown out by a helicopter to a hospital .... but im only guessing that's what this is pertaining to. I am now more knowledgeable about my financial life and I came across my credit ... I now see this collection is affecting my credit tremendously ... at the time of the collection opened in XX/XX/2015 I had not even the slightest clue what credit was. That was more than 4 years ago this is how long this collection was affecting me I had no Idea til now. The collection balance is {$730.00} an amount I truly cant afford. In the case of the company trying to contact me I didn't even know what a collector was if somebody called my phone and I didn't know the # that's an easy no answer.
03/27/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TN 373XX	Web
Sometime in XXXX of XXXX I went to the hospital and current hospital bill but I have Medicare policy number to XXXX XXXX XXXX XXXX and I have North Carolina Medicaid policy number XXXX. What's really foolish about this is they rather send it to collection then accept my Medicaid and Medicare every time I try to talk on the phone and tell them I have Medicaid and Medicare they act like they don't even want to accept that and they want a credit card. I have Medicaid and Medicare and I had coverage back there in XXXX of last year I don't understand how come I'm in collection. Rather send the account to collection then accept my insurance. I don't know who's running this hospital or who's running this collection agency but I keep telling them what my insurance policy is and and they won't accept it.
03/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 31088	Web	Servicemember
I was staying with family in XXXX Alabama in XXXX of XXXX I had health insurance at my home state of Illinois. I went to the XXXXXXXX XXXX at XXXX XXXX XXXX XXXX. I gave my insurance ( XXXX XXXX XXXXXXXX XXXX ) information to the administrator on duty at the time of care and again two or three more times over the phone once they began billing me. After being turned over to CAC Financial collection agency. I engaged with them on two occasions to give them the same information and to let them know this was not a valid debt. This has now gone on for over 18 months with no end in sight. I dont believe the insurance will accept a claim now that this much time has gone by. This is solely the fault of the administrative staff of the hospital and the complacency of the collections agency.
07/15/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX XXXXX	Web
I have been getting phone calls from this place stating it is a debt for a medical bill that I have, I have asked them to stop calling multiple times, and they continue to keep calling me and continuously calls multiple times a day and they still will not stop calling me. I have told them I'm not working and yet they keep calling and asking me when I will pay and how I can pay and if I have a family member that can help me settle the debt. Uncalled for. XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call and says we will try later when I tell them to stop calling me.
04/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 74136	Web
I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. I reached out to the bureaus and company several times and the accounts are still on my credit. 1. CAC FIN COLL. Date Opened : XX/XX/XXXX. Balance : {$780.00} 2. CAC FINANCIAL CORP. Date Opened : XX/XX/XXXX. Balance : {$850.00} 3. CAC FINANCIAL CORP. Date Opened : XX/XX/XXXX. Balance : {$150.00} 4. CAC FINANCIAL CORP. Date Opened : XX/XX/XXXX. Balance : {$790.00} 5. CAC FINANCIAL CORP. Date Opened : XX/XX/XXXX. Balance : {$740.00}
08/29/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AL 35405	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.
12/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33020	Web
On XXXX XXXX, 2020, CAC FINANIAL CORP add a derogatory mark on my credit reports. CAC FINANIAL CORP did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
05/07/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MN 554XX	Web
I checked my credit report for this first time and I discovered I had someone use my identity to get medical services in the state of Alabama and Texas. I have never in my life been to either state or lived there, went to school etc. I called them and said it was not me they say its nothing they can do because the debt is in my name. How is that possible? I filed a ID Theft Affidavit from the government website. Now they are saying Im still the one who did this but its impossible. I am only XXXX years old I live in Minnesota and Im about to graduate from college. I have no reason to not pay my medical bills because Im still insured under my parents. This bill is from XXXX XXXX XXXX
08/27/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 33178	Web
This company from XXXX XXXX, OK states that I owe {$51.00} to a company called XXXX XXXX XXXX from XXXX, Florida and they have stated that they have investigated this amount owed on my behalf with the creditor XXXX XXXX XXXX that they work for and they have stated in their letter that they are sending this information to the credit bureaus in the meantime without letting me dispute it first and receive a detailed invoice and/or statement for these alleged charges. These people are definitely a bunch of crooks and they are saying that they follow the FCRA which is totally false and misleading. They have never given me any reasonable time to dispute these allegations.
01/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33020	Web
CAC FINANIAL CORP ( opened XXXX. XXXX, 2020 ) did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
12/16/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OK 73120	Web	Servicemember
I never received a bill, so I contacted XXXX ( XXXX XXXX XXXX ) XXXX and requested an itemized statement to be mailed. A statement was never mailed or received. Instead they send the balance to CAC Financial Corp, a collections company. My payment was mailed on XX/XX/19 and cashed by XXXX on XX/XX/2019. I contacted XXXX and they told me even though I read off the information regarding the check being cashed that I had to prove to them that they had indeed cashed it by emailing the cashed check copy. I have done so and their collections company is still falsely reporting this bad credit when in fact it has been paid in full.
11/10/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NM 877XX	Web	Servicemember
Debt collector : CAC Fincial Corp., XXXX, XXXX XXXX # XXXX, XXXX XXXX, OK. XXXX ( XXXX ) XXXX XXXX. This appears to be a scam ; as the company ( XXXX XXXX ) it is representing does not do business in NM, I had no medical appts much less radiology. {$11.00}. I do not want to answer them to avoid furtherance of their scam. False dates : bill acrued on XX/XX/22 ; Sent out for collection XX/XX/22 for {$11.00}. Acct # : XXXX They make these small claims to many to make their money ; as they expect people to pay versus the alternative. How many NM citizens have received this??? Thank you for your attn to this matter.
02/07/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OK 73110	Web
I was hospitalized in 2012 when I was XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX in XXXX XXXX, Oklahoma. Due to my families low income the XXXX informed us of a XXXX XXXX that would pay for all hospital expenses that totaled a little over {$18000.00}. Recently, I checked my credit score and those expenses still appeared as owing. So I contacted them, discussed the situation and they were able to remove the expense from my credit history. There is still another hospital expense that they won't remove. I made two payments because they were persistent. I learned that I could dispute it, and I'm needing help.
09/09/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	KY 40229	Web	Servicemember
I have a medical bill that is in collections. That I received no bill for in the mail and no written notice that it was even in collections. And looking at the timeline from when it went into collections It was around a time that I had filed an identity theft report with each of the credit bureau 's. I have tried to dispute this with XXXX XXXX XXXX credit bureau 's. Because that's where it's showing up at. And they have verified that the information is all mine and therefore it must be mine. Yet I have no written bill or any kind of attempt to collect on the bill or to collect on the collection debt.
05/15/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 60616	Web
XXXX XXXX XXXX XXXX, I got admitted to this hospital in XX/XX/2022, billed was {$16000.00} and {$5400.00}. I have provided my insurance card. Also my wife call my insurance to be sure that my insurance will cover out of state emergency visit and they said yes. That hospital did not forward the bill to my insurance company but they report it to credit bureau instead. I have called them to resolved issues they response is they dont send out claim to insurance company. Which dont make sense. I have never heard any hospital that doesnt send out bill to insurance company so they can get their money.
08/10/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OK XXXXX	Web	Older American, Servicemember
XXXX XXXX XXXX negotiated a debt payment plan with me XX/XX/XXXX. I have paid $ XXXX, as agreed. The business office has called over the years since the plan was set up asking me to renegotiate. Last year they stopped providing me with statements. When I asked for a statement, they sent one by email that I am unable to access. I still made my payment on time every month. I received a letter in XX/XX/XXXX from CAC Financial stating my account had been turned over for collections. I do not have a payment plan with CAC and do not wish to negotiate one.
04/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OK 73127	Web
cac financial has no validate account, they keep sending a letter head of doctor office but placing there information in the itemized statement, i have asked for a signed document with my signature and debt assumed to be agreed. the have yet sent any such documents. an itemized statement is not validation. at the end of this investigation will determine if i file civil suite against XXXX AND CAC FINANCIAL for report unvalidate debt to my credit report in order to damage my credit. both have been asked to verify and validate debt.
03/19/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77536	Web
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT! I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
08/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 73505	Web
I previously mailed the attached letter below on XX/XX/XXXX and have yet to see any changes made to my credit file. Please review the attached Affidavit of Fact which is Pursuant to 15 U.S. Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy among other things which are in violation as I never gave you my information directly.
01/12/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	LA 713XX	Web
Do not owe CAC Financial a penny. Reported several derogatory accounts on my bureaus. Approxiamately XXXX times in fact! Never signed a contact with them, Dont know who they are. Also listed them as medical which is againt HiPAA regulations. I sent a certified letter asking for validation with my signature and they failed to provide it! I have gotten turned down for a mortgage, credit cards, and my insurance payment is extremely high as a result of this! CAC has ruined my credit and basically my life at this point.
11/25/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX XXXXX	Web
After speaking to my insurance company regarding payment of the claims, my insurance informed me that they had requested the company call them and/or submit additional information regarding the claims. My insurance company informed me that because CAC XXXX did not communicate and respond to them the claims were not paid. After my dispute of the 8 different collections on my credit reports ( XXXX, XXXX and XXXX ) it appears the CAC removed the collections in XXXX, 2019 and resubmitted them as new in XXXX, 2019.
12/25/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NM XXXXX	Web
They allege I owe a debt on an account I never had... Anyone in XXXX or XXXX NM can walk into XXXX XXXX XXXX and use anyones name.. They do not require ID. Where is some proof that i 1 used these services, and two owe this debt.. I have full coverage medical insurance with 0 copay.. If it was me walking into this hospital, my insurance would have covered the entire balance in full. If they continue to make this claim I will take legal action against them as this is fraudulent.
03/06/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
THIS IS MY 2ND/3RD ATTEMPT - PREVIOUS COMPLAINT # XXXX I don't know what this debt is for -- - TWO DEBTS ARE LISTED ON MY CREDIT REPORT FOR THE FOLLOWING AMOUNTS : 1. ) {$790.00} 2. ) {$180.00} 1. ) XXXX XXXX nor XXXX XXXX XXXX XXXX explain what these debts are for. it is noted is was reported on XX/XX/2016 NOT ENOUGH INFORMATION HAS BEEN REVEALED FOR THIS DEBT. I want this debt removed from all 3 credit agencies immediately. Thank you, XXXX XXXX, XXXX.
05/04/2022	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	OK 741XX	Web
have reached out to the original creditor XXXX XXXX XXXX XXXX ) for the medical bill.i was on a payment plan and paid it all the way down to less than $ XXXX was impacted financially by covid 19 as well as contracting it.this acct went into collections.i reached out trying to get assistance with this acct and received no reply.this Is showing on my credit report negatively and it was due to beyond my control.i would like this removed from my credit file
01/08/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AL 360XX	Web	Servicemember
The hospital never billed my insurance company ; I contacted the hospital and was told they would rebill my insurance company the amount owed and would notify me if I still owed anything ; I was never notified of an outstanding bill, I was never told the account was turned over to collections, I was never notified by collection agency before putting on my credit report, and the monetary amount provided on my credit report is inaccurate.
12/08/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NJ 07728	Web
CAC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX This appears on my credit report, same address as XXXX XXXX collection agency who has no idea who i am when called. i have no idea who CAC is and what its in regards to and neither do they. Whats with credit reporting agency 's claiming to not know who i am and having open accounts on my report. Please remove your name from my report.
06/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 77396	Web	Servicemember
I have tired reaching out through email and leaving voicemails I got no response. I called the New York attorney generals office and I was told the buisness was closed down. Before leaving a voicemail the automated systems says that all debt will be removed and that all late payments will also be removed. I was told by the attorney generals office this is the best course of action.
08/03/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33160	Web
received a notification from all XXXX credit agencies that this entry was made to my credit history. have contacted the collection agency in question 4 times to try to verify the debt and get more information. To date ( 4 months later ) I have not yet received a reply. Have tried calling them 3 times only to hear that the manager will call me back. No-one has called me back
01/17/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 774XX	Web
I do n't know what this debt is for -- - TWO DEBTS ARE LISTED ON MY CREDIT REPORT FOR THE FOLLOWING AMOUNTS : 1. ) {$790.00} 2. ) {$180.00} 1. ) CAC Financial nor XXXX of XXXX Texas explain what these debts are for. it is noted is was reported on XXXX XXXX, 2016 NOT ENOUGH INFORMATION HAS BEEN REVEALED FOR THIS DEBT.
01/01/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 78741	Web
I have requested over two years ago that CAC Financial Corp provide the legal documentation of what I owe and never provided ( via postal mail ) within the 30 day time period. I was able to get XXXX to remove this, but XXXX will not. CAC Financial Corp has also never disclosed to me that I can dispute the claim.
11/03/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 730XX	Web
A debt validation attempt was made to CAC Financial XX/XX/23 and this company has failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to my personal health information.
03/10/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OK 73120	Web
I never received any notification concerning this debt and never even had the opportunity to dispute the validity of this debt. This company is in direct violation of the Fair Credit Reporting Act, I should of been given written notification of this debt and 30 days to respond but was not.
03/28/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77021	Web
CAC Financial Corp has placed the debts of those with names like mine on my credit report. The debt was created in XXXX Louisiana, where I have never lived nor been hospitalized. I called XX/XX/XXXX and XX/XX/XXXX, being told each time they could not assist me. This is unacceptable!
07/11/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30165	Web	Servicemember
CAC Financial Corp is attempting to collect a debt from me that I do n't owe them. I never established a contract with this company and they have reported negative items onto my XXXX and XXXX credit reports which is in violation of the FCRA.
07/06/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 754XX	Web
I'm being charged for a medical bill for my son that has already been tooken care of, i recently contacted XXXX about this matter and was told that the debt will remain because its my account that hasnt been paid which it has i have proof
02/12/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77478	Web
Hello, I Am XXXX XXXX. I Am Trying To Clean Up My Credit Report. Ive Not Spent Any Time In XXXX XXXX Hospital. I Have Two Bills That Are {$2200.00} & {$670.00}. Would You Kindly Take My Name Out Of Your System Please! Thank you
07/08/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OK 730XX	Web
no idea what the debt is for!! reached out to company CAC Financial by mail, no further info was received. My medical is cover 100 % by the XXXX XXXX clinic that my family visits so there is no way to have a outstanding balance,
11/06/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OK 74008	Web
I already paid and I called them and I showed proof that it was taken care of and they still put it back on my credit. Either thaey got me mixed up with a family member or else they are committing some type of fraud against me.
01/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 64086	Web
The company promised to not report the debt to the credit bureaus if I paid it. I paid the debt XXXX years ago and they DID report it to the bureaus. I want it removed immediately! It is causing me issues obtaining credit.
07/11/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	KY 427XX	Web
Was payed on XX/XX/2018. Still on credit report, called XXXX XXXX onXX/XX/2018 was told shows no record of payment. Fax copies of cancel check on XX/XX/2018.receive call on XX/XX/2018 was told this wasn't my account.
07/11/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	KY 427XX	Web
Was payed on XX/XX/2018. Still on credit report, called XXXX XXXX onXX/XX/2018 was told shows no record of payment. Fax copies of cancel check on XX/XX/2018.receive call on XX/XX/2018 was told this wasn't my account.
01/01/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OK 741XX	Web
I have medical insurance to cover my medical bills but for some reason I have {$800.00} medical bill in my credit. Never did I know that I had a bill cuz I thought medical insurance would take care of all my bills
02/20/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85614	Web
On XXXX XXXX, XXXX and XX/XX/XXXX I send out two debt validation letter to CAC Financial Corp in the amount of {$1000.00}. This company have not responded to my letter. However, this is not my debt.
10/22/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 76020	Web
Debt was paid balance was XXXX XXXX XXXX XXXX as of XXXX 2016. Have balance due was sent to me and stated XXXX ( XXXX ). Said they would report but have not over the last 3 months.
01/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 761XX	Web
I never authorized this charge. This company calls me non-stop for a bill I do not owe. I have requested proof that I owe this bill and they refuse to provide it.
07/23/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NV 89506	Web
I keep getting letters from XXXX companies trying to collect a debt that is not mine. I have written to them several times telling them it is not my debt.
06/07/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 76067	Web
Days after filing a dispute with this financial institution I'm now being hurassed, repeat phone calls and I have received a letter in the mail.
06/10/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	KY 40014	Web
someone stole my identity they opened accounts i did n't even know about. I do n't owe anything I just want to get this mess over with.
08/15/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 766XX	Web
I never received any type of information about the debt on my credit nor do I have any idea of what the debt is from.
09/23/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 90277	Web
All of a sudden my credit score drops XXXX points from and account I do not recognize CAC Financial Amount {$400.00}
01/24/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37013	Web
I recently viewed my credit report and noticed that this company has report that I owe them a debt.
10/04/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
Multiple phone calls made at all hours of the day and night Refusal to provide any documents
04/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OK 736XX	Web	Servicemember
Full payment was sent to vendor check cleared my back I need it to drop off my credit report
01/14/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	OK XXXXX	Web
I have no business with this company. I have no knowledge of money owed to this entity.
05/23/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77545	Web
I have requested the original contract with my wet signature for validation.
12/12/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	AZ 85281	Web
Contacted me at work after I asked them not to.
09/27/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 797XX	Web
not a loan I took
12/28/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CO 804XX	Web
Not my account
01/15/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 18102	Web

01/10/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OK 73110	Web

01/09/2024	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	LA 713XX	Web

01/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36079	Web

01/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36079	Web

12/14/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76028	Web

11/24/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 78245	Web

11/23/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OK 73122	Web

11/17/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MO 64468	Web

10/31/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77630	Web

10/04/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77079	Web

09/28/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 78501	Phone

07/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WA 99224	Web	Servicemember

07/10/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	RI 02909	Web

06/21/2022	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CT 06770	Web

06/02/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OK 73135	Web

06/02/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OK 73135	Web

05/03/2022	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	OK 74401	Web

04/07/2022	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	OK 73025	Web

02/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 777XX	Web

01/27/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 65014	Postal mail

12/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75935	Web

12/02/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 94564	Web

11/24/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OK 73132	Web

11/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OK 73170	Web

09/10/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 79424	Web

06/10/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 73099	Web	Servicemember

05/23/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OK 74169	Web

05/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 71658	Web

05/09/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AR 71646	Web

11/21/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 75248	Web

11/11/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 73160	Web

09/30/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AL 36695	Web

09/11/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75217	Web

08/19/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78758	Web

07/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OK 73118	Web	Older American, Servicemember

04/15/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OK 73072	Web

04/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 73099	Postal mail

03/08/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77632	Web

02/27/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77302	Web

02/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77504	Web

02/03/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AR 71834	Web

01/20/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 79936	Web

01/05/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CO 80220	Web	Servicemember

11/05/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AR 71834	Web

10/24/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 73008	Web

10/24/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 73135	Web	Servicemember

09/17/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 73149	Web

09/03/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77630	Web

08/15/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 43230	Web

05/31/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 73008	Postal mail

04/12/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76028	Web

04/06/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OK 73099	Web

04/04/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 79936	Web	Servicemember

04/01/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80521	Web

03/29/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85615	Web

02/23/2019	Yes	Debt collection Medical debt	Communication tactics Called before 8am or after 9pm	OK 73134	Web

02/23/2019	Yes	Debt collection Medical debt	Communication tactics Called before 8am or after 9pm	OK 73134	Web

01/13/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30117	Web

12/19/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 79714	Web

11/27/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 79714	Web

11/26/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 79714	Web

11/12/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 79714	Web

10/05/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 79714	Web

10/05/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 79714	Web

07/12/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	TX 75446	Web

06/25/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 79714	Web

06/12/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA 70714	Fax

05/31/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 79714	Web

05/31/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 79714	Web

05/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MO 64133	Referral

05/25/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76022	Web

03/27/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 79714	Web

03/08/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75216	Web

11/17/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 79714	Web

10/17/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt		Phone

10/16/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA 71052	Web

10/08/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CO 80017	Web	Servicemember

05/24/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 75228	Web

04/10/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 79936	Web

04/05/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OK 73130	Postal mail

04/05/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OK 73130	Postal mail

03/14/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 75063	Web

02/17/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OK 73020	Web

12/01/2016	Yes	Debt collection Medical	Communication tactics Called outside of 8am-9pm	VA 24382	Web

11/01/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 79714	Web

11/01/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 79714	Web

10/28/2016	Yes	Debt collection Medical	Communication tactics Called after sent written cease of comm	TX 74595	Web

08/21/2016	Yes	Debt collection Medical	Communication tactics Called after sent written cease of comm	AL 36502	Web

07/14/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33461	Web

07/14/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33461	Web

07/09/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	GA 31904	Web

06/26/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	UT 84084	Web	Servicemember

03/22/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32246	Web

06/29/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	OK 73110	Web

05/05/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	FL 33141	Web

03/25/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TN 37013	Web

02/24/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33415	Web

01/07/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TN 37013	Web

12/18/2014	No	Credit card	Delinquent account	MI 48213	Web

11/06/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MD 20874	Web

10/31/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	CO 80211	Web

10/14/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TN 37086	Web

10/10/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	OR 97218	Web

09/22/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 33470	Web

08/10/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 79720	Web	Older American, Servicemember

08/08/2014	Yes	Credit card	Identity theft / Fraud / Embezzlement	IL 62966	Referral

07/29/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TN 38501	Web

07/29/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	OK 73112	Web	Servicemember

07/01/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33579	Web	Servicemember

06/26/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33141	Web

05/20/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NV 89121	Web

03/31/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	AR 72715	Web

03/26/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 32533	Referral

03/04/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NY 10014	Web

02/07/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 93726	Web

12/21/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NY 11566	Web

10/01/2013	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	NY 10512	Web

07/17/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OK 73113	Postal mail

07/13/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IN 46410	Web

06/17/2013	Yes	Credit reporting	Incorrect information on credit report Account status	MO 64127	Web