California Business Bureau, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/05/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	CA 92840	Web
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am writing in regards to a bill that I received from the California Business Bureau , Inc., a collections agency, on behalf of XXXX XXXX XXXX. My account number has been designated as XXXX. The letter has notified me that I am being charged a total of {$120.00}, and that I will be receiving a negative credit report by the CBB. I would like very much to contest this charge, on the grounds that the services that I had received from XXXX XXXX XXXX were unsatisfactory. I called the CBB twice on XX/XX/XXXX, the day that I received the letter. On the first call, I spoke with someone who told me that by stating to her over the phone that I had met and spoke with a doctor at XXXX XXXX XXXX during my appointment, that I had just admitted to her on a recorded line that I indeed received services from XXXX XXXX XXXX, and that regardless of whether those services were satisfactory or not, I am still going to be charged for them and receive a negative credit report if I dont pay the bill. She was very aggressive over the phone, and insisted that the bill was fair, despite my objection that the services were completely useless and insufficient. She told me that I could not dispute them with the CBB, and that I had to go elsewhere to dispute the bill. I called again an hour or so later, and spoke with someone else, who told me that I could dispute the bill with the CBB. This bill is for an appointment that I had at XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX. In XXXX of that year, I started to notice that my XXXX XXXX was XXXX XXXX again, as it first began to do in XXXX. The first XXXX XXXX and XXXX physician that I had seen last year, regarding this issue, was Dr. XXXX XXXX in XXXX XXXX, CA on XX/XX/XXXX. Dr. XXXX examined me, and attempted to XXXX my XXXX XXXX XXXX, in order to allow more XXXX to pass through, so that whatever obstruction was present would come out. He XXXX the area underneath my XXXX, known as the XXXX, with a XXXX XXXX, and poked into the area with a sharp metal tool. The pain was severe, and his procedure did not solve the problem whatsoever. My XXXX XXXX was still XXXX up to the same extent as before. Also, on that day, Dr. XXXX sent me over to the nearby XXXX XXXX XXXX XXXX for a XXXX XXXX that he said would be useful in determining whether I had an unusually high amount of XXXX in my XXXX, which may have been restricting the flow of XXXX in my XXXX XXXX. I took the XXXX XXXX, and four days later, I brought the results to my general XXXX Dr. XXXX XXXX in XXXX XXXX, CA, on XX/XX/XXXX. Dr. XXXX told me that XXXX XXXX in general are not good indicators for the causes of XXXX XXXX obstructions, and that my tests showed normal XXXX levels anyway, so basically, the XXXX XXXX was unnecessary. Dr. XXXX did however recommend that I go to the XXXX XXXX XXXX XXXX XXXX, because he said that they had a specific machine that could remove XXXX XXXX XXXX, and that they were the only people he knew of who had this machine. An important context to consider is that in XXXX, I had a similar issue of a XXXX XXXX XXXX that was impacted by a XXXX XXXX. I visited a XXXX XXXX named Dr. XXXX XXXX in XXXX, CA during XX/XX/XXXX. She referred me to the XXXX XXXX XXXX XXXX to have them perform an XXXX test on my XXXX. I went there on XX/XX/XXXX, and the results of the XXXX test showed that No definite XXXX or XXXX could be seen. I went again to Dr. XXXX on XX/XX/XXXX, so that she could XXXX my XXXX ; but, unfortunately, she left a large amount of XXXX ( XXXX ), which irritated me, and resulted in an XXXX XXXX. After which, I decided to make an appointment with Dr. XXXX, because he was an XXXX XXXX and XXXX specialist. I had my first ever visit with Dr. XXXX on XX/XX/XXXX, where I showed him my XXXX test results. He XXXX my XXXX a little more, diagnosed me with an XXXX XXXX, prescribed XXXX XXXX, examined my XXXX, and told me that there was no evidence of a XXXX in my XXXX XXXX. However, I could feel and even see the XXXX myself. Whenever my mouth would XXXX, the XXXX would rise up my XXXX XXXX, into the visible part of the XXXX, and this would happen throughout the day. I was scheduled for a follow up visit for a full extraction of the remaining XXXX. A few days before the follow up appointment, I actually managed to remove the XXXX myself. During the nighttime, the XXXX had risen up my XXXX XXXX, after I had eaten something sour, and I was able grab onto it with my thumb and index finger ; however, it was very slippery and excruciatingly painful to hold onto. The XXXX would fall back down due to a lack of grip, so instead, I pulled on the area with my fingers again, as far as I could this time, and bit down hard on it with my front teeth. This hurt a lot, but not as much as the next step that I took to free myself of this ailment, which involved removing the XXXX, by XXXX at the area of the XXXX that it had been obstructing. I grabbed one of my parents XXXX test strip needles, and with the XXXX still between my front teeth, I began XXXX against it with the needle. After a few tries, the flesh began to bleed and open up, and the XXXX came out of my XXXX, slid out of my mouth, and onto the mirror that I was using. I went and showed my mother the XXXX, and she was so relieved that she started kissing me all over my cheeks, and with her eyes full of tears, she told me how happy she was that it wasnt anything serious. I placed the XXXX inside of a plastic bag to show it to Dr. XXXX during my follow up visit on XX/XX/XXXX. He was amazed to see that I had removed it myself, and told me that from now on, I would need to remain hydrated throughout the day, massage my XXXX with a warm compress from time to time, and consume regular amounts of lime or lemon juice, so that my mouth would produce a healthy amount of XXXX. Otherwise, he said that another XXXX might appear again in the future, and I may even need to have my XXXX XXXX removed altogether. Six years later, when the XXXX returned, and I went to Dr. XXXX on XX/XX/XXXX, he sent my records to the XXXX XXXX XXXX XXXX XXXX, because they were supposedly the only people he knew of who had a special machine that could remove XXXX XXXX XXXX, with minimal to no damage done to the patient. Several weeks after my appointment with Dr. XXXX, I received a call from XXXX, and I was told that the earliest appointment they had was nearly two months from the day they called me. I scheduled the appointment for XX/XX/XXXX at XXXX XXXX. They did not, and could not send me an email, text message, nor voicemail to confirm the date and time. When the appointment came, my mother and I arrived around XXXX XXXX., and we were told after waiting an hour that my appointment was actually for XXXX XXXX., and not XXXX XXXX. My mom was very upset by this, as we now had to wait several hours before I could be seen. After I had complained to the receptionist, one of the staff members came up to me, and told me that I was mistaken, and that I in fact did agree to the appointment being on XXXX XXXX. When I was finally seen, the doctor they had available gave me no new information whatsoever. He told me that I had no XXXX in my XXXX XXXX, that I should continue consuming lemon juices, and remain hydrated. He said that the machine which Dr. XXXX was referring to did not exist anywhere in their office, and that he doesnt even know anyone whos ever used it. He also told me that even if they did have the machine, I wouldnt need them to operate on me with it anyway, because there was no XXXX in my XXXX XXXX. As far as Im concerned, this appointment was a major waste of time, and it was a terrible day, as my mother was very upset with me for us having to wait so long just to hear the same thing that the other doctor told me already. After a month or so, XXXX XXXX XXXX began sending me bills in the mail. I called the billing department after I received my first bill, and spoke with a representative about how I did not want to pay the bill, because the appointment that I had was a complete waste of my time. The representative told me to explain to her everything that happened, and that she would be able to file a grievance on my behalf. I did this, and called her back shortly afterwards. She then told me that it turned out that she was actually unable to file a grievance for me, and that I would have to sign a consent release to give access of my personal health records to XXXX XXXX XXXX. She directed me to a page on their website, which turned out to be the wrong page. She had me fill out the wrong form, and when I called again to ask her if she could send me a direct link for the correct form to my email, she told me that she was not allowed to email patients. I called again a few days later, and at that point, she had left for a several month long vacation. I tried talking to other people at the Medical Center, but they all told me that there was nothing I could do, because she was the only person who was handling the billing department. At that point, I gave up, because if their Medical Center was not going to help facilitate a way for me to dispute this bill, then I had no reason to take it seriously. They continued to send me bills throughout the past year and a half, and as far as Im concerned, they are extremely persistent, in getting their money back. I still have no idea what form she made me sign. What was it? Ive never once had to sign a consent release to file a grievance for a medical bill anyway. XXXX XXXX XXXX did not handle this situation in a professional manner, they gave me the runaround, and they still feel entitled to get money for doing nothing. Im not even sure which doctor I saw, because his name isnt written on any of the bills theyve sent me.
05/06/2020	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 92109	Web
Resubmitted Complaint XX/XX/2020 Resubmitted Complaint XX/XX/XXXX XXXX Consumer ComplaintXX/XX/2020 XXXX I called California Business Bureau , Inc. on XX/XX/2020 at XXXX. I spoke to XXXX XXXX ( ext XXXX ). XXXX took the time to admonish me for not paying my bill. I explained I had never been sent to collections before, but due to a family tragedy, I had lost sight of one small medical bill. I settled my debt quickly and asked for a deletion letter. XXXX informed me that she would send out the deletion letter as a one time courtesy and again admonished me for the oversight. I thanked her and explained I don't expect to ever get sent to collections again. XXXX informed me the letter will be in the mail and to wait 7-10 business days. When I didn't receive the deletion letter, I called XXXX back on XX/XX/2020, to check on the status of the letter. XXXX then informed me the letter was never sent but that it will go out in the mail the next day and that I needed to wait another 7-10 business days. I told XXXX that since I was going through a refinancing of my home, the lender required the letter immediately and I asked if she could either email it or send it via expedited mail ( like XXXX ). She informed me that she couldn't but that I could go in person to pick it up. I informed her that due to COVID-19 and me being in a high risk category, I didn't think that was a risk I should take and again asked her to reconsider my request. When she refused, I asked to speak to her supervisor. XXXX didn't want to pass me to her supervisor but eventually put me on hold. I spoke to XXXX, who said she was the " Vice President '' of California Business Bureau and reiterated she couldn't send me the deletion letter via expedited mail. She interrupted me and took the time to admonish me for not paying my bill, again explained the deletion letter was a courtesy and became rude, hostile and aggressive when I tried to speak and ask why she couldn't send me the deletion letter via expedited mail when I had already settled my debt. She was more interested in speaking over me and giving me a life lesson, than holding up her part of the agreement and providing me with the letter. She then hung up on me. I'm concerned XXXX will now not send the deletion letter out of spite and that that I won't be able to refinance my home. I'm also concerned this settled debt will affect my credit score, which I've worked hard to keep in the 800s. These people shouldn't have this much power. It goes to their heads and they can cause further financial hardships. They are part of the problem and not the solution. I'm requesting help to procure this deletion letter and would like to lodge a formal complaint against this debt collector for not acting in good faith. Company 's Response XX/XX/XXXX Hello and thank you for contacting California Business Bureau Inc. ( CBB ). We appreciate the opportunity to respond to this complaint. Granted, the paid in full/deletion letter was not sent in our normal/routine timeframe due to staffing shortages with Covid19. I personally took the paid in full/deletion letter to the post office so that it would be in her mailbox as expeditiously as possible. Her address and our office are in the same city so my fair assumption is that the letter would be in her mailbox by XX/XX/XXXX. We spoke on XX/XX/XXXX, letter was printed XX/XX/XXXX and at the post office on the same day. If for some reason, she has not received her paid in full deletion letter from CBB, she may contact me directly but I would like to believe, the letter has been received and this complaint regarding an expedited letter has been resolved. Respectfully, XXXX XXXX VP XXXX XXXX Branch California Business Bureau Inc./XXXX XXXX XXXX . Consumer feedback XX/XX/XXXX CBB Inc. first represented they would send the deletion letter out on XX/XX/XXXX. However,19 days later, on XX/XX/XXXX, XXXX ( an employee of CBB and subordinate to Ms XXXX XXXX ) admitted the letter wasn't sent, which catalyzed my egregious experience with Ms. XXXX XXXX ( VP of the XXXX XXXX Branch of CBB Inc. ) and caused me undue stress and anxiety. In her statement, Ms. XXXX XXXX represented that it is fair to assume the deletion letter should be received by XX/XX/XXXX. However, it is now XX/XX/XXXX, and I have yet to receive the deletion letter. Although Ms XXXX XXXX 's tone appears to now be professional and cooperative, likely given this forum, she has failed to send the deletion letter as detailed in her reply to this complaint. 25 days have elapsed since I settled my debt and was promised a deletion letter. I am currently undergoing a refinancing of my home and the lender is requiring this deletion letter for things to move forward. It is unfortunate Ms XXXX XXXX uses her position to threaten and belittle consumers instead of following the laws and regulations of her industry while maintaining some human decency. After all, she is prosecuting debt from healthcare costs from ill or recovering people and fails to take that into account. That is the reason I will not be reaching out to her by telephone. I simply feel safer disputing this issue online, where her actions are properly monitored by a third party. I hope Ms XXXX XXXX decides to do the right thing and sends the deletion letter ( certified mail perhaps? to ensure delivery ). However, if I do not receive the deletion letter by Tuesday, XX/XX/XXXX, the refinancing will be aborted and I will be suffering further financial hardship. Should this happen, I plan to hold CBB Inc. and Ms. XXXX XXXX personally liable and move forward with legal action. This is my final attempt at resolving this matter. Company 's Response XX/XX/2020 Thank you for contacting California Business Bureau. This issue has already been addressed and as stated in previous response, I personally took the paid in full/deletion letter to the post office directly. I do not see a reason why the consumer would not have received. I will request another letter to be sent. Also, XXXX should have updated the consumer credit file by processing our deletion request. We show XXXX has accepted our files for this request. Respectfully, XXXX XXXX Consumer feedback XX/XX/2020 In my final request for the deletion letter dated XX/XX/XXXX, which CBB Inc. representatives promised to send upon payment of debt, I encouraged Ms. XXXX XXXX XXXX to provide the letter by XX/XX/XXXX. Ms. XXXX XXXX had seven days to complete this very simple request. Instead, on XX/XX/XXXX, Ms. XXXX XXXX stated she " will request another letter to be sent '', completely ignoring the deadline provided and the fact her actions directly cause injury ( via financial hardship ) to my client. Ms. XXXX XXXX 's blatant disregard of state and federal regulations and clear preference to play malicious games with consumers has been noted and requires further investigation as well as legal remedy. Furthermore, CBB Inc. 's hiring and training practices also need to be addressed, as Ms. XXXX XXXX 's sophomoric and reckless behavior as well as unscrupulous tactics likely corrupt the workforce she directly supervises. CBB Inc. 's retention of an employee who increases their liability is curious and their decision to allow Ms. XXXX XXXX to continue to handle escalated inquiries seems short-sighted and foolhardy. Ms. XXXX XXXX 's talents may be better suited peddling beauty products for MLM companies, not assisting consumers interested in settling their medical debts fairly and expeditiously. No one who has the misfortune to incur medical debt should also suffer the wrath of a disgruntled and unsympathetic employee. I invite CBB Inc. 's feedback on Ms. XXXX XXXX 's mishandling to this situation. If I do not hear back, my legal counsel will be in touch with legal representatives at your Corporate Offices in XXXX, CA. Thank you for your time and attention in this regard.
12/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91605	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CALIFORNIA BUSINESS BU & {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
04/29/2020	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 92109	Web
Consumer Complaint XX/XX/XXXX XXXX I called California Business Bureau , Inc. on XX/XX/XXXX at XXXX. I spoke to XXXX XXXX ( ext XXXX ). XXXX took the time to admonish me for not paying my bill. I explained I had never been sent to collections before, but due to a family tragedy, I had lost sight of one small medical bill. I settled my debt quickly and asked for a deletion letter. XXXX informed me that she would send out the deletion letter as a one time courtesy and again admonished me for the oversight. I thanked her and explained I don't expect to ever get sent to collections again. XXXX informed me the letter will be in the mail and to wait 7-10 business days. When I didn't receive the deletion letter, I called XXXX back on XX/XX/XXXX, to check on the status of the letter. XXXX then informed me the letter was never sent but that it will go out in the mail the next day and that I needed to wait another 7-10 business days. I told XXXX that since I was going through a refinancing of my home, the lender required the letter immediately and I asked if she could either email it or send it via expedited mail ( like XXXX ). She informed me that she couldn't but that I could go in person to pick it up. I informed her that due to COVID-19 and me being in a high risk category, I didn't think that was a risk I should take and again asked her to reconsider my request. When she refused, I asked to speak to her supervisor. XXXX didn't want to pass me to her supervisor but eventually put me on hold. I spoke to XXXX, who said she was the " Vice President '' of California Business Bureau and reiterated she couldn't send me the deletion letter via expedited mail. She interrupted me and took the time to admonish me for not paying my bill, again explained the deletion letter was a courtesy and became rude, hostile and aggressive when I tried to speak and ask why she couldn't send me the deletion letter via expedited mail when I had already settled my debt. She was more interested in speaking over me and giving me a life lesson, than holding up her part of the agreement and providing me with the letter. She then hung up on me. I'm concerned XXXX will now not send the deletion letter out of spite and that that I won't be able to refinance my home. I'm also concerned this settled debt will affect my credit score, which I've worked hard to keep in the 800s. These people shouldn't have this much power. It goes to their heads and they can cause further financial hardships. They are part of the problem and not the solution. I'm requesting help to procure this deletion letter and would like to lodge a formal complaint against this debt collector for not acting in good faith. Company 's ResponseXX/XX/XXXX Hello and thank you for contacting California Business Bureau Inc. ( CBB ). We appreciate the opportunity to respond to this complaint. Granted, the paid in full/deletion letter was not sent in our normal/routine timeframe due to staffing shortages with Covid19. I personally took the paid in full/deletion letter to the post office so that it would be in her mailbox as expeditiously as possible. Her address and our office are in the same city so my fair assumption is that the letter would be in her mailbox by XX/XX/XXXX. We spoke on XX/XX/XXXX, letter was printed XX/XX/XXXX and at the post office on the same day. If for some reason, she has not received her paid in full deletion letter from XXXX, she may contact me directly but I would like to believe, the letter has been received and this complaint regarding an expedited letter has been resolved. Respectfully, XXXX XXXX VP XXXX XXXX Branch California Business Bureau IncXXXX XXXX XXXX . Consumer feedback XX/XX/XXXX CBB Inc. first represented they would send the deletion letter out on XX/XX/XXXX. However,19 days later, on XX/XX/XXXX, XXXX ( an employee of CBB and subordinate to Ms XXXX XXXX ) admitted the letter wasn't sent, which catalyzed my egregious experience with Ms. XXXX XXXX ( VP of the XXXX XXXX Branch of CBB Inc. ) and caused me undue stress and anxiety. In her statement, Ms. XXXX XXXX represented that it is fair to assume the deletion letter should be received by XX/XX/XXXX. However, it is now XX/XX/XXXX, and I have yet to receive the deletion letter. Although Ms XXXX XXXX 's tone appears to now be professional and cooperative, likely given this forum, she has failed to send the deletion letter as detailed in her reply to this complaint. 25 days have elapsed since I settled my debt and was promised a deletion letter. I am currently undergoing a refinancing of my home and the lender is requiring this deletion letter for things to move forward. It is unfortunate Ms XXXX XXXX uses her position to threaten and belittle consumers instead of following the laws and regulations of her industry while maintaining some human decency. After all, she is prosecuting debt from healthcare costs from ill or recovering people and fails to take that into account. That is the reason I will not be reaching out to her by telephone. I simply feel safer disputing this issue online, where her actions are properly monitored by a third party. I hope Ms XXXX XXXX decides to do the right thing and sends the deletion letter ( certified mail perhaps? to ensure delivery ). However, if I do not receive the deletion letter by Tuesday, XX/XX/XXXX, the refinancing will be aborted and I will be suffering further financial hardship. Should this happen, I plan to hold CBB Inc. and Ms. XXXX XXXX personally liable and move forward with legal action. This is my final attempt at resolving this matter.
06/18/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 22304	Web
I am writing this formal complaint against California Business Bureau , Inc. in reference to my collections accounts with the organization. Since receiving my initial letter by mail that my account had migrated into collections I successfully received a bill each month by the XXXX to make my monthly payment with the exception of two months ( XX/XX/XXXX and XX/XX/XXXX ). On XX/XX/XXXX I was expecting my last collections bill by mail and it never came. Luckily I had set up iCalendar reminders for this and logged onto the Pay CBB website to make my final payment. Upon logging in I was asked for my account number located at the top of your bill which I didnt have so I called the number listed on the CBB website ( XXXX ) for assistance. Upon calling I was connected with a representative ( XXXX ) who informed me to make payment I would need the account number from my bill. I let XXXX know I didnt have the account number from my bill because I never received a bill. The representative reluctantly gave me my account number so that I could pay my balance online. I successfully paid off the remaining balance of my account while the representative XXXX stayed on the line with me as I requested. We ended the call. About 15 minutes after paying the bill online I called the company back to inquire about receiving confirmation that my balance was {$0.00} and the account would be closed. I was met with the same representative ( XXXX ) with an attitude who let me know the confirmation was on the screen when I paid. I explained that I I did not screenshot or save that specific page nor did I receive an email confirmation for this payment or any payment I have made and asked if a letter or email can be sent out to me. The representative told me I had to request a letter. Growing frustrated I verbally let him know ( on a recorded line ) I am requesting an account closure letter that will document a {$0.00} balance. The representative let me know the letter would be mailed in 3-5 business days. I asked XXXX to confirm my address since two times ( XX/XX/XXXX and XX/XX/XXXX ) I had never received a bill and he refused, became combative with me and eventually hung up on me. It is now XX/XX/XXXX and I still havent received an account closure letter for my records as XXXX promised so I reached out via phone call seven ( 7 ) times at various times between XXXX XXXX/EST and XXXX XXXX/EST. I also submitted multiple requests through the " Request a Call '' link on their website in hopes to receive a call back. By XXXX XXXX/EST I still had not been contacted and reached back out to CBB where I was connected with XXXX again. I asked him about receiving an account closure letter and he let me know I already called today. I let him know I also already called a month ago about this same issue and his reply was argumentative ; yea but you called today, I see it here you called at XXXX XXXXmaam you already called todayyou called today already. I informed him Ive been trying to call all day really because I have no documentation that my account is paid off ; Im not receiving bills in a timely fashion, I want to check if I owe any more money, Im not getting ahold of anyone, I never received an account closure letter as promised, etc. I also reminded XXXX that he told me approximately one month prior on XX/XX/XXXX that I would have a letter in 3-5 business days and I never received it.the call ended abruptly again when he hung up on me. I raise the question, if my call, voicemail, and request to be contacted were acknowledged and received then why did I not receive a call back, an email or simply a confirmation that the account closure letter had been sent as I requested in the voicemail and in the online contact form? I dont understand why this company must create obstacles for simple requests. I called the CBB again on XX/XX/XXXX to inquire about my account number so that I can log online and check my account myself to see a {$0.00} balance to screenshot for my records and be rid of CBB, Inc. and was met with XXXX, who reminded me, like XXXX, that Ive already called today. She let me know I dont know why you keep calling you dont owe anymore money, I had her repeat that phrase by saying So my account balance is {$0.00} and the account is paid off?. Yes, she replied. I have seen the XXXX reviews for this organization and I fear that I will face the outcome of the other consumers ; that I will pay off my bill ( or so I think ) and receive a letter one year later saying I owe a minuscule amount of money ( i.e. {$0.00} XXXX review by XXXX XXXX ) or that I will owe an amount of money that has accrued interest and late fees because I once again, did not receive a bill in a timely manner. I am frustrated. Nobody likes having a collections account. I am simply requesting to have documentation emailed to me or mailed to me that my California Business Bureau account has a {$0.00} balance and is now closed. In all of my efforts to get this debt paid off this letter will help me have peace of mind that I dont owe anymore monies for my ER visit in XXXX. I believe this to be a simple ask and therefore filing this complaint in hopes that it will help progress the situation.
01/28/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92056	Web	Older American, Servicemember
I am a XXXX retired XXXX with XXXX plus years military service and a VA XXXX XXXX of XXXX XXXX XXXX As such, I exclusively use the VA for 100 % of my health care needs and during XXXX I was taken by ambulance on two occasions to XXXX XXXX XXXX in XXXX XXXX. Both ER visits to XXXX involved shortness of breath with severe XXXX and XXXX pain. The first ER visit occurred from XX/XX/XXXX to XX/XX/XXXX when I was hospitalized for XXXX days with a XXXX XXXX The second ER visit occurred on XX/XX/XXXX for identical symptoms as the first. Fortunately, following multiple procedures and tests, I was discharged later that same day. Unfortunately, XXXX admin personnel made a clerical error on my discharge documents on by inserting an erroneous billing code that resulted in me being sent unknowingly to collections for a bill of {$4900.00} Guarantor ID # XXXX. Account # XXXX. It deserves mentioning that veterans are routinely sent to collections due to late payments or oversights by the VA or their assorted private providers however, these matters are typically resolved by responsible parties before derogatory reports impact the veterans otherwise good credit histories. At this particular time in XXXX, I had already lost count how many times I had conversed with both XXXX and XXXX XXXX ( among others ), to facilitate payments for bills generated by both ER visits mentioned above : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX. XXXX ( Succeeded now by XXXX ) XXXX XXXX XXXXt XXXX XXXX XXXX XXXX XXXX, CA XXXX PH : XXXX XXXX XXXX Following multiple conversations with both XXXX and XXXX, including various debt XXXX and agencies such as California XXXX XXXX, my final conversation with both XXXX and XXXX regarding any outstanding bills or collection notices from any entity whatsoever, was on or around XX/XX/XXXX. During these final conversations both XXXX and XXXX assured me this issue was nothing more than a clerical error that can take time to resolve and I was not to worry about it. Both also advised me the bill had been resubmitted with proper billing codes for approval and theyd let me know if they needed anything further from me. I insured they had one anothers contact information and never heard from either of them ever again. Fast forward slightly more than a year later with more of the same erroneous billing errors and collection notices when, on or about XX/XX/XXXX, my wife and I were awoken by an early morning phone call on her mobile phone from an individual identifying himself as XXXX XXXX who was working with the VA in an effort to locate XXXX XXXX regarding outstanding medical bills from XXXX XXXX. Considering the inordinate amount of previous phone conversations I had with the VA, XXXX XXXX, California XXXX XXXX and various other collection agencies like them, where I shared every shred of my personal information to multiple agents so as to take myself out of their crosshairs, its fair to say I was astonished that XXXX XXXX had now taken to harass my wife in addition to me since they all know how to contact me, or at least should, providing they do anything with the information they insist on gathering every time you talk with them. XXXX XXXX was very deceptive and rude to both my wife and I in both tone and comment so I quickly explained to him that I was a 100 % rated veteran covered by the VA for 100 % of my medical costs then provided him with XXXX XXXX XXXX as per routine to facilitate payment for whatever XXXX bill it was still outstanding. Before hanging up he asked what I suggested he do if the VA refuses to pay this bill? I did my best to explain it wasnt my fault whenever XXXX XXXX is delinquent in paying his medical bills and reassured him that XXXX would help him resolve the matter. On XX/XX/XXXX, XXXX XXXX left me a voicemail requesting I contact him which, due to his disrespectful manner, I elected to notify XXXX instead for the second time to express a sense of urgency on this matter. I did not get to speak with XXXX but provided another detailed voicemail explaining the situation to include XXXX XXXX contact information. I have yet to receive a reply from XXXX or XXXX XXXX despite additional calls from me. Collection Agent XXXX XXXX California XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Ext XXXX On XX/XX/XXXX I received notice from my ID Protection Provider that my credit information had received adverse reporting due to XXXX clerical error on my ER visit back in XXXX. For what its worth, my XXXX XXXX prior to this has averaged XXXX or better. On XX/XX/XXXX I received a call from XXXX who works with the VA XXXX XXXX XXXX in XXXX, MT. XXXX : ( XXXX XXXX ). XXXX advised me the matter was being resolved and should be removed from my credit report history within the next few days. She also advised me that her office had paid XXXX for this bill during XX/XX/XXXX. XXXX subsequently returned the check for reasons unknown.
12/28/2023	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 90277	Web
I was not aware of this debt until it hit my credit report as a collections account. I disputed it with XXXX, but they did not remove it from my report. Note, information reflected on my report and reported to XXXX was incorrect and presumably could not be substantiated, so I am still unclear as to why XXXX is allowing it to remain on my report. Despite a lack of notification as described below, information being incorrect, and California Business Bureau and XXXX XXXX will not cooperate in resolving the issues or correcting their mistakes causing an unjustified negative impact to my credit report. On XX/XX/XXXX, I reached out to California Business Bureau the collection agency listed on my credit report. During the two-way recorded conversation ( recording was consented to ), it was discovered that my contact information was incorrect. I provided the correct contact information and requested that this item be removed from my credit report as I was unclear as to what the debt was for and needed time to research. Immediately following my call with California Business Bureau, I reached out to what I think is XXXX XXXX billing department and spoke to XXXX who is allergy a supervisor with XXXX XXXX. XXXX ( XXXX XXXX XXXX stated she had two addresses on file for me. After I confirmed which one was the correct address for me, XXXX reconfirmed that XXXX XXXX had been sending information to the incorrect on file. I hoping she removed the incorrect address and left the correct one after our call. I then conferenced XXXX XXXX XXXX into our call. After approximately 30 minutes into our 3-way call with me, XXXX ( XXXX XXXX XXXX XXXX and XXXX ( XXXX XXXX XXXX XXXX was discovered that the procedure performed at XXXX XXXX was submitted by XXXX XXXX XXXX XXXX XXXX XXXX incorrectly at no fault of my own. XXXX XXXX was provided with the correct information ; however, they did not use the information provided to them by me at the time the procedure was done. XXXX ( XXXX XXXX ) advised XXXX XXXX XXXX XXXX ) that she should correct the error by resubmitting the claim immediately and that he would be happy to facilitate it being processed and proceeded to give XXXX his direct contact number. XXXX ( XXXX XXXX ) also offered to call the collection agency. During our call, we were able to confirm that the service provided by XXXX XXXX was fully covered by insurance and would have been paid timely if in fact XXXX XXXX would have submitted the claim correctly, under the correct member identification number. XXXX ( XXXX XXXX XXXX, indicated that she would have the mistake corrected immediately. As of this writing, XXXX an amended claim has not been filed with XXXX XXXX XXXX to correct the issue. On XX/XX/XXXX, I reached back out to XXXX, and she confirmed that an amended claim had not been submitted to XXXX XXXX XXXX as she promised and requested by XXXX XXXX XXXX XXXX ) on XX/XX/XXXX ( due to aging of the claim ). During my call with XXXX on XXXX she declined to provide me with the following information : - Governing agency that I could file a complaint with regarding XXXX XXXX billing practices and sending XXXX to an incorrect address - My complete file ( bills, invoices, healthcare records, etc ) - Escalation process within XXXX XXXX so I could resolve this - Confirm or guide to someone who could confirm XXXX XXXX XXXX for Service so we could proceed with a small claims action ( California Secretary of State has two Agents for Service listed for XXXX XXXX on their website ). - The name of XXXX XXXX CEO/President or any other member of the executive team- Which department she worked for In conclusion, XXXX XXXX is impacting my credit due to their mistakes and XXXX stonewalled me and despite stating otherwise on XX/XX/XXXX is doing nothing to correct XXXX XXXX mistakes ; therefore, forcing us to litigate over a bill that would have been paid if billed correctly. California Business Bureau, INC.is aware of the aforementioned, refuses to confirm the aforementioned or acknowledge they were sending correspondence to an incorrect address and that I do not owe this debt due to XXXX XXXX faulting billing practices My address was only corrected as a result of my call on XX/XX/XXXX. Both entities are refusing to remove the item from my credit report despite XXXX XXXX confirmation of full coverage and request to submit and amended claim under the correct member identification. Of note, this was a routine procedure fully covered by my health care insurance. Not sue why XXXX XXXX billed the wrong member identification number as they have billed my health care insurance company using the correct member identification XXXX XXXX XXXX for services performed in the past. Please note all conversations noted above were conducted on a two-way recorded line that was consented to by all parties and a copy of the unredacted transcriptions have been included.
01/13/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 95687	Web
Original Creditor - XXXX XXXXXXXX XXXX ; XXXX XXXX - California Business BU ; Account Opened- XX/XX/XXXX ; Balance - {$1300.00} ; I noticed that this account entered collections onto my credit report and sent them a validation letter requesting the following on XX/XX/XXXX : - Name and mailing address of the original creditor, the amount owed, what the debt is for ; - Via an invoice including dates, explain and show me how debt has been calculated ; - Provide me with copies of agreement contract that show I agree to pay your company apart from the creditor ; - Provide evidence the Statute of Limitations has not expired on this account ; - Show me that your company is licensed to collect in my state ; and - Provide me with your license numbers and are a Registered Agent. - Provide a verification or copy of any judgments or lawsuits if applicable - If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of mycredit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : ( 1 ) Violation of the Fair Credit Reporting Act, ( 2 ) Violation of the Fair Debt Collection Practices Act, ( 3 ) Defamation of Character - If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Additionally 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. This includes any information to 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. - If your offices fail 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 file and a copy of such deletion request shall be sent to me immediately. I have not been notified by phone or written communication about this attempt to collect a debt via the collections agency, or notified about my rights to dispute the debt being pursued by the collections agency. My request to validate the debt has not been responded to in full. As a result, per instruction of correspondence and pursuant Fair Credit Reporting Act and Fair Debt Collection Practices Act, the collections must be removed from all related credit reports. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - REQUEST FOR SPECIFIC COMMUNICATION : Under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 805 ( B ), it is my right to request specified means of contact expressing that all else ( including work and alternative referred parties that are not myself, XXXX XXXX ) would be inconvenient and explicitly prohibited. I request that you maintain all future contacts with me in the following modes and times, as they are the most convenient for me.You can contact me about this debt, but only in the way I specify below. It is inconvenient to me to be contacted except as I authorize below. Please do not contact me about this debt in other way, or at any other place or time.You can only contact me at : XXXX anytime. Be advised, this is not a refusal to pay, but a request for specific communication. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to 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 email address noted in this letter. My employer prohibits me from receiving communications like this at work. This is an attempt to correct your records ; any information obtained shall be used for that purpose.Thank you for your cooperation.
01/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 93725	Web
CALIFORNIA BUSINESS BUREAU contacted me attempting to collecting on a debt that I have never contracted or agreed to pay them. The rep stated I owed them the debt even though I had not contracted to pay them because they purchased the debt from another company. I told the rep I would not be paying on a debt that doesn't belong to me and I think he/she may be calling the wrong person. I also told that rep I would be sending in a debt validation letter to validate this debt. The rep continued to call me everyday for the next couple weeks, leaving threats on my voicemail. They began to contact me by mail shortly after the first call I had with that rep. After them harassing me for this debt they started to report negative and defaming information on my consumers report about this account. Upon checking this account I noticed CALIFORNIA BUSINESS BUREAU reported multiple inaccuracies on this account to the three main credit reporting agencies. I immediately thought to myself this account was not handled with accuracy or integrity due to the number of inaccuracies within this account. When I noticed the account on my consumers report I sent CALIFORNIA BUSINESS BUREAU a debt validation letter which I have attached to this complaint. CALIFORNIA BUSINESS BUREAU never responded to the letter. Since they have never responded to the letter or supplied me with sufficient information in order to validate this debt, I know the debt is a mistake and not mines. I don't not feel like my account was handled with accuracy and/or integrity. Therefore, with respect, I am challenging the accuracy and integrity of this information. XXXX2 XXXX 1022.41states ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : XXXX ) Reflects the terms of and liability for the account or other relationship ; ( XXXX ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( XXXX ) Identifies the appropriate consumer. XXXX XXXX 1022.41 ( d ) also states Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Due to the number of inaccuracies within this account which I have highlighted in the image below in the attachment section I know this debt is a mistake and shows this account was not handled with accuracy or integrity.As you can see For account XXXX there is inaccurate account numbers, date opened, balance, high credit, last reported, and date last active reporting to the three credit reporting agencies.Please remove this account from my consumers report. Due to the inaccuracies of this account reporting to three credit reporting agencies incorrect information I have been denied loans I would have been approved for had this account been handled with accuracy and integrity. This has caused me sleepless nights, stress and really bad anxiety. CALIFORNIA BUSINESS BUREAU : XXXX
08/07/2020	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	CA 90201	Web
I have an outstanding medical bill with the XXXX XXXX hospital from XXXX and I wasn't aware about it or that they had submitted it to collections with the California Business Bureau. The address they have on file is not ours anymore. I do not think the hospital sent me any letters but from XXXX I have been out of state in XXXX XXXX and I've been moving around craiglist to craiglist and even had to set up a PO Box because my mom was being so difficult and not communicating with my mail. I can show evidence to prove all this. She eventually divorced my dad and the address has been sold since XXXX. However I do not think the XXXX XXXX had sent me anything directly anyway I think they just sent it to the collections agency. I have been trying to fix my credit and recently set up an XXXX account last year. I have also been working with XXXX XXXX, who also had access to my reports. Anyway It showed I had a collection item for {$900.00} with the California Business Bureau, and it showed it was from XXXX XXXX hospital. When I called them they said they charged me interested of {$550.00} also which is a balance of {$1400.00}. Two representatives were really rude, last week I spoke to a girl called XXXX and she kept harrassing me and assaulting and never letting me finish my sentences. I was happy to pay the {$900.00} despite being laid off and in the tough times of COVID but she was so defiant and said no you knew about this, you made a payment in XXXX, we have been mailing you. Despite me explaining my story she was continuously attacking me. It was disgusting. I then spoke to XXXX, their supervisor yesterday, but she was just as rude saying I can offer you {$1200.00} lump sum payment, but this bill is from XXXX and its XXXX now, I know Covid has hit but you should have no excuse to pay this for now because you should have money saved for this? Are these people XXXX XXXX? Do they know that Governor XXXX has imposed strict guidelines to ensure that people won't be evicted, so that companies can not harrass them for payments and companies are meant to be compassionate during Covid? I was so angry at her. Anyway I want you to acknowledge the following unreasonable and harrassing behaviour of the company - I have been happy to settle with the original amount, I have been trying to contact the hospital directly but they aren't responding. From my understanding medical bills are ineffective after 7 years and this is from XXXX but the collections agency has made this effective from XXXX - I want them to acknowledge that I haven't been aware about this bill, I have been moving around, they can see that from my report I have evidence that my mom is abusive and doesnt help me, and you can see they sold the house in XXXX. They can not express how I knew about this bill and am liable to pay. - We are protected in law for any forms of harrassment. The fact that I am willing to pay {$900.00} for something is still a trait of good behaviour, at least appreciate that! The communications back and forth about how I knew about the bill, I am apparently a liar, the fact that its a XXXX bill and I've left this till XXXX to try and make me feel guilty is appauling, these people need to know that the Law is in our favour when it comes to delaying bills and from any forms of harrassment. I hope you can look into the bahaviour of this company.
02/08/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 92109	Web
1. On or about XX/XX/XXXX, I discovered that XXXX XXXX XXXX in XXXX, California, engaged collection action for emergency services rendered. 2. On or about XX/XX/XXXX, I re-submitted my proof of XXXX XXXX for the time in question in XXXX. I personally hand-delivered copies of my ( i ) insurance card, ( ii ) Medi-Cal BIC Card, and ( iii ) valid State of California Drivers License, at the administrative office XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, CA XXXX. I spoke to the admirative assistant of XXXX XXXX, and was informed that ( i ) they would contact XXXX to verify coverage period, ( ii ) and that I would be contacted to follow-up. 3. On or about XX/XX/XXXX, I contacted the admirative office of XXXX XXXX XXXX by telephone. I was informed that they were in fact able to confirm with XXXX that I had insurance coverage for the emergency services rendered, and that the billing error would be corrected by the finance department. I reasonably relied upon their representations. 4. It was not until XX/XX/XXXX when I obtained a credit report for the first time since XX/XX/XXXX, I obtained a copy of my credit report to prepare and file for Chapter XXXX Bankruptcy. I discovered that your agency was attempting to collect this invalid debt. 5. On or about XX/XX/XXXX, I notified one of your companys debt collection agents at your XXXX XXXX office regarding the above-stated facts, and was informed that the inaccurate derogatory credit reported to the credit bureaus would be corrected. 6. Attached is a true and correct copy of my Chapter XXXX Bankruptcy Discharge on XX/XX/XXXX. I was informed by U.S. Trustee, XXXX XXXX XXXX, after testifying as to the facts concerning this invalid debt at the meeting of creditors hearing in my case. 7. On or about XX/XX/XXXX, I filed a complaint with the Consumer Financial Protection Bureau ( Case No. XXXX ) Your company was provided a photocopy of my XXXX XXXX Card. My complaint specifically urged your company to exercise reasonable due diligence and contact your client, XXXX, and verify with State of California XXXX officials the fact I had coverage by XXXX well-before, during and after the alleged debt was incurred, and take immediate action to remove the derogatory credit reported. 8. After receiving your companys negligent response, I called and spoke to XXXX who informed me that the card I submitted to CFPB was a current ID card and did not cover the time of the invalid debt. This level of ignorance, contempt and material failure to exercise reasonable due diligence in tortious and actionable. XXXX stated It was discharged in my bankruptcy, we are allowed to report the debt to the credit bureaus. Not only did she not respond correctly to the CFPB complaint, and the fact that it does not matter if it was included in the bankruptcy, the debt is fraudulent and invalid, and must be removed entirely. Her incompetent and insolent response should be grounds for her immediate termination. 9. On or about XX/XX/XXXX, I contacted XXXX of the above-stated facts and circumstances, and requested Verification and proof of coverage for the period of time of the alleged debt. On XX/XX/XXXX, I received such verification. 10. Attached hereto is a true and correct from XXXX confirming that I did in fact have continuous insurance coverage well-before the alleged debt was incurred.
08/11/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 90605	Web
It was brought to my attention that I had outstanding medical debt in collections when I applied for my auto loan in XXXX of 2021. The negative remarks affected me by not allowing me to qualify for a loan with low interest ; therefore I decided not to move forward with purchasing a vehicle. Instead I decided to get to the bottom of this medical debt that was of surprise to me, as no medical or collections entity had ever tried to reach out to me before to collect payment or give me the opportunity to dispute the debt. Consequently, I was able to track down the California Business Bureau as the entity that reported this debt making it onto my credit profile. I then contacted them via phone to investigate the debt they stated that I owed, instead I was responded to with aggressiveness and unwillingness to explain the details of the debt they claimed was mine. I was even threatened that they would once again report me to The Credit Bureau if I did not pay the balance by the end of the month. Seeing that they were of no help to explain this debt to me, I resorted to solely communicating via mail moving forward to track any information given to me as well as my attempts to get more information on the debt. XX/XX/2021 I sent CA Bus. Bureau a debt validation letter via certified mail on XX/XX/2021 ; in this letter I requested multiple items, including for them to validate this debt they claimed I owed as well as requesting that they prove that they had permission to obtain my medical records. XX/XX/2021 I received a response via mail from them in which they provided a letter as well as itemized bills from the hospital, detailing services and medications rendered, alongside diagnosis. I would like to note that the hospital bills they provided me with had the incorrect address on them, further proving that I had not been contacted neither by the hospital or the collections agency. They failed to provide any form of signed consent by me that authorized the hospital to release my medical information to them let alone any other entities. XX/XX/2021 Seeing that they did not provide me with all of the things I requested, I resent the debt validation letter via certified mail in which I requested that they provide the remaining missing documents. This includes the signed authorization to release my medical records, which I know that they do not have, as I never signed a form as such. Instead they sent a list of my medical records ; which I know is a direct violation of HIPAA law regulations. I never signed a HIPAA form authorizing them to have access to this information. XX/XX/2021 CA Business Bureau sent out the same information that they had previously sent in response to my first letter, therefore ignoring my request to allow them once more to validate the debt and remaining documents.
04/22/2020	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 92109	Web
I called California Business Bureau , Inc. on XX/XX/2020 at XXXX. I spoke to XXXX XXXX ( ext XXXX ). XXXX took the time to admonish me for not paying my bill. I explained I had never been sent to collections before, but due to a family tragedy, I had lost sight of one small medical bill. I settled my debt quickly and asked for a deletion letter. XXXX informed me that she would send out the deletion letter as a one time courtesy and again admonished me for the oversight. I thanked her and explained I don't expect to ever get sent to collections again. XXXX informed me the letter will be in the mail and to wait 7-10 business days. When I didn't receive the deletion letter, I called XXXX back on XX/XX/2020, to check on the status of the letter. XXXX then informed me the letter was never sent but that it will go out in the mail the next day and that I needed to wait another 7-10 business days. I told XXXX that since I was going through a refinancing of my home, the lender required the letter immediately and I asked if she could either email it or send it via expedited mail ( like XXXX ). She informed me that she couldn't but that I could go in person to pick it up. I informed her that due to COVID-19 and me being in a high risk category, I didn't think that was a risk I should take and again asked her to reconsider my request. When she refused, I asked to speak to her supervisor. XXXX didn't want to pass me to her supervisor but eventually put me on hold. I spoke to XXXX, who said she was the " Vice President '' of California Business Bureau and reiterated she couldn't send me the deletion letter via expedited mail. She interrupted me and took the time to admonish me for not paying my bill, again explained the deletion letter was a courtesy and became rude, hostile and aggressive when I tried to speak and ask why she couldn't send me the deletion letter via expedited mail when I had already settled my debt. She was more interested in speaking over me and giving me a life lesson, than holding up her part of the agreement and providing me with the letter. She then hung up on me. I'm concerned XXXX will now not send the deletion letter out of spite and that that I won't be able to refinance my home. I'm also concerned this settled debt will affect my credit score, which I've worked hard to keep in the XXXX. These people shouldn't have this much power. It goes to their heads and they can cause further financial hardships. They are part of the problem and not the solution. I'm requesting help to procure this deletion letter and would like to lodge a formal complaint against this debt collector for not acting in good faith.
08/23/2022	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	CA 92251	Web
On Tuesday, XX/XX/XXXX I was contacted by phone at around XXXX XXXX by the California XXXX XXXX. The employee on the phone was XXXX XXXX ( ext. XXXX ). XXXX XXXX THREATENED me with the defamation of my consumer reputation stating that if I do not pay the debt he alleged or set up a payment plan for said alleged debt, he would have the debt hit my credit which would damage it. I told him that I did not recognize or assume responsibility for the debt from XXXX XXXX XXXX XXXX XXXX for patient XXXX XXXX XXXX on XX/XX/XXXX. This is where he got very obscene and mocked me saying, Oh you dont remember receiving care for your own daughter? At this point I felt directly insulted and attacked by his questioning of my parenting because of the tone he mocked me with. He also used a previous call that was made by another representative to me back in XXXX of XXXX, during Covid, where I stated that my husband had just DIED and I was mentally distressed and incapable/unable to conduct any business with them and to cease all telephone communication. He claims that was my way of VALIDATING that the debt was mine, which I never did. The FDCPA 809 ( c ) states that The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. and he construed my comment as such. He also claims that he could not provide me with a validation of the debt to my address because it was already sent. I have NEVER received such validation nor do they have proof of delivery thereof. When I asked about the other information on my file as I am entitled to, he stated, Im not going to sit here and read you your entire file just because YOU do not have YOUR ducks in a row. According to the FDCPA 806 ( 2 ), The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. The natural consequence of his language in this irrefutably obscene exchange was to abuse the hearer, me, and I feel as such. XXXX XXXX of the California XXXX XXXX not only mocked my capabilities as a parent but also violated the FDCPA in his attempted collection of the alleged debt he accused and threatened negative action for. After this harassing debt collection phone call I am left severely distressed.
02/25/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 91911	Web
On XX/XX/XXXX I pull my credit report and found out that CALIFORNIA BUSINESS BUREAU : ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX. I am filing this complaint against them for non-compliance violations. I wrote them a letter of validation on XX/XX/XXXX certified mail with return receipt. They received on XX/XX/XXXX and reply on XX/XX/XXXX. This company has violated Federal , State, FCRA and FDCPA by reporting invalidated information which might constitute as fraud. You have not only violated federal and state laws, but you have also failed to provide me with copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The following non-compliance violations:1 ) They show no proof that they have an agreement with the original creditor to collect this alleged debt. 2 ) They have no copy of a signed contract where I allegedly agreed to pay the charges. 3 ) The medical bill reveals personal medical information about me. ( This is violation HIPAA- HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ), rules prohibit disclosing my individual 's protected health information unless you specifically authorized them to. 4 ) Creditor is reporting history inaccurately such as last date reported and last activity dates are all wrong : The case US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. This defamation and causing me financial injury. The fine extent of damages incurred by the wronged party as deemed by the court. 5 ) Collection agencies " Re-Age '' by reporting the date of last activity instead of the date of the first delinquency. 6 ) Collection Agency, has not validated my debt and they are still continue to report to the credit bureaus. Consumer protection afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre fines. Be aware that I am making a final goodwill attempt to have you clear up this matter by removing this item from my credit report. I am maintaining a careful record of my communication. I further remind you and the credit bureaus as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal. XX/XX/XXXX) you may be liable for your willful non-compliance. This matter is harmful to me especially doing this COVID-19 pandemic please delete immediately.
01/05/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 90057	Web
On XXXX XXXX XXXX, I was brought to the XXXX XXXX XXXX due to XXXX. I was still XXXX when I got there. As soon as my XXXX, I told the staff that I did not want to be treated or examined and walked out, since I was n't sure whether XXXX was going to cover the hospital bill. ( I had just received my XXXX acceptance letter shortly before this incident. ) A few weeks later, I received XXXX invoices : one from the ambulance service, one from the hospital. I called both companies and gave them my XXXX number so they could charge XXXX ( since I now knew that XXXX covers emergencies ). The ambulance service was apparently able to charge the bill to XXXX without any issues. However, about 4 months later, in XXXX XXXX as well as in XXXX XXXX I was surprised to be sent XXXX letters from the XXXX XXXX XXXX asking again for the XXXX USD they claimed I owed ( even though I had refused treatment ). I received those letters in XXXX since I had been out of the country in XXXX. I called the hospital up immediately and asked what the problem was. It seemed as though they had had the wrong XXXX number. I gave them my XXXX number again. This time, I asked the person on the phone to read it back to me, so we could make sure that it was definitely the correct number. When she read it back, it was correct. Since then I did not hear from the hospital again at all. On XXXX XXXX ( XXXX/XXXX/XXXX ) I received a letter from a debt collector asking for the " outstanding '' debt to the XXXX XXXX XXXX. The debt collector said that the documentation they had gotten from the hospital did not show that any XXXX number had been given - even though I had given it to the hospital twice ( albeit once apparently incorrectly ). I was shocked. The worst part about this is, of course, that XXXX generally only pays bills that lie, I believe, at the most about one year back. The XXXX XXXX XXXX # 1 apparently failed to attempt to collect the payment from XXXX and # 2 failed to inform me about this in due time so that I could have gotten in touch with XXXX myself. Now, that the timeframe during which they could have claimed the amount from my insurance has passed, they try to make me responsible for their failure.
10/22/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 93534	Web
My name is XXXX XXXX, a federally protected consumer, Im making this complaint against California Business Bureau , Inc. for committing identity theft. I have NEVER given California Business Bureau , Inc. any type of permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt theyre claiming I owe. I am fully aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have NEVER received any type of documentation requesting validation from California Business Bureau , Inc. what so ever before they committed multiple violations under the FCRA and the FDCPA. California Business Bureau , Inc. is in complete violation by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) in which the FTC defines as debt parking. If California Business Bureau , Inc. can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, prior to furnishing it on my consumer report Ill have reason to believe that this account has been a fraudulently furnished with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until California Business Bureau , Inc. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and California Business Bureau , Inc. continues its collection efforts, I will file for litigation for actual damages caused and California Business Bureau , Inc. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
09/29/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 93550	Web
I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. Your next contact with me should be to either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing. Please acknowledge that you have received this notice within 14 days.
09/14/2020	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 91730	Web
I noticed that I have 4 collections accounts on my credit report in XX/XX/XXXX from California business bureau which is a collections agency. The original debtor is XXXX XXXX XXXX Hospital. I only received 2 hospital bills from XXXX XXXX XXXX hospital over the course of the last 5 years. One in the amount of XXXX for a service done on XXXX and another for XXXX from XXXX. I have never received any other correspondence for anything else I owed. Because XXXX XXXX hospital doesnt not speak to you if your debt has already been bought by a debt collector, I called California Business Bureau to see what was going on and why these items were on my credit report. They told me they couldn't answer any question regarding the hospital but claimed they tried to contact me several time via phone and mail regarding the debt this conversation took place on XX/XX/2020. I let them know I was going to contact XXXX XXXX because they never sent me a bill and I have lived at the same address for 6 years, and they've verified my address several times so I know they had it. Today, XX/XX/2020 I contacted California business bureau to get more information on the 4 accounts that were on my credit report. The lady I spoke to ends up given me 3 more accounts that went to their agency making it a total of 7 accounts I have not been made aware with both XXXX XXXX XXXX hospital or the California business bureau. The first conversation I had with CBB, they never mentioned any other accounts, so I'm very confused. However, while I had her on the phone I get information about all 7 accounts now. I then contact XXXX XXXX hospital to see why I was not made aware if these Bill 's and to compare what CBB has as owed amount and what they actually has as owed amounts. The amounts didn't add up as CBB is adding interest on each of these accounts -- accounts I was never made aware of. This is not legal business practices for either of these business. Had I been made aware of this debt, I would have made arrangements to pay. It seems like XXXX XXXX hospital just sends CBB debt without having tried to retrieve and inform their customers of what they owe.
08/30/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 92865	Web
On or about XX/XX/XXXX, I took myself to the emergency room of XXXX XXXX XXXX ( hospital ) as I had a XXXX XXXX that was getting worse by the moment. I was admitted to an emergency room, and it was determined that I would be treated and kept for the evening. I was released the next day, and went about my business. I never received a bill ( which seems common since I have Medical ) from the hospital. Approximately on XX/XX/XXXX this year, I found a derogatory credit item on my XXXX credit report from a collection agency that uses the name of California Business Bureau, with an address of XXXX XXXX XXXX XXXX, XXXX, CA XXXX I placed a phone call there on XXXX, with the intent to find out why my emergency visit to the hospital was turned over to a collection agency. The woman I spoke with indicated that my insurance did not cover the hospital visit, as I had " XXXX XXXX and the deductible had not be met '' I informed her that I had no other coverage/insurance other than Medical, and that this had never been an issue before. She stipulated at this point, that I needed to get a form ( MC 180 ) from Medical showing my coverage, and that they would then bill them ( Medical ) I reached- out to Medical and they indicated that " I needed to provide the bill from the collection agency, before they could send me this form '' I called Medical a second time, and got the same response. On XXXX, I called the collection agency, and spoke to a woman by the name of " XXXX '' who said she would forward the bill ( same bill I never received ) to my residence. On XXXX, I called the collection agency once again, and spoke to another woman there who indicated that here name was XXXX XXXX. At this time she indicated that my bill was " archived, and that forwarding it to me would take awhile '' I asked her how long/what time-frame was " awhile ''? and she replied that she had " no idea '' I am attempting to do the right thing, resolve this matter, and the collection agency is far less than helpful. The hospital is supposedly in the amount of {$2500.00}. Thank you in advance for your assistance. Sincerely, XXXX XXXX XXXX
01/11/2017	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	CA 92119	Web
I was served a law suit for a medical bill. My wife and I found money to use to settle this bill we had allowed to go delinquent. My wife called into the agency to attempt to settle the dept. The company took her payment information and told her that they would withdraw the lawsuit. I later called in to request verification in writing that if we paid the debt with them the lawsuit would be removed. The agent, XXXX XXXX, proceeded to become rude and question why i would allow my wife to proceed if i disagreed. I then told him i was uncomfortable with the deal multiple times and he kept interrupting and repeating what i was saying. He then offered to cancel the payment and allow us to start over. When I said I wanted that option he became ever ruder and combative. I told him all i wanted was to settle the debt and i was not comfortable. We then ended the call with him cancelling the payment. I then immediately called back to speak with a manager XXXX XXXX. I informed him of what happened and he did not care at all. He did treat me better, but then he also informed me that they would not have withdrawn the lawsuit and that we had to pay the debt in full. I told him I wanted to know if i could settle with a lump sum payment and he said i could call back and work it out with XXXX XXXX. I told him I did not want to work with XXXX and that i was not comfortable. He proceeded to tell me i had to work with him and that he was the only person on my account. Not until I told him I would be filing a CFPB complaint did he let me know i could settle and that I could call back and speak with him. Their practice was deceptive, inappropriate, and unprofessional. I called in to pay my dept and take care of things and they treated me with disrespect. This company also mislead my wife and XXXX strong armed her into a payment arrangement we could have never met. This was a clear care of bully mentality and this feels business as usual. As a person who works for a debt collection company I know how important it is to have a willing paying consumer ... this was inexcusable.
09/21/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 91601	Web
California Business Bureau of XXXX, CA, has attempted, on numerous occasions, via their representative XXXX, to collect over {$1000.00} above the principal balance of an alleged medical collection with XXXX Hospital in exchange for deletion of this account from my credit report. The company claims they have validated this debt with statements and bills in 2010, however, I stated I do not recall this, and they have refused to send updated copies of this debt validation to my current address or remove this from my credit reports. California Business Bureau has attempted to extort excess money from me, the consumer, in exchange as a barter for deletion from my credit files. I believe this to be a violation of the FCRA and a very unethical practice. I have disputed this debt with the original creditor as well, XXXX HOSPITAL, who claims that the debt is valid based upon me recalling one of the services performed ( XXXX ), though I still dispute the dates of service in question and total amount said due. The original balance is quoted as being {$1700.00}, and CBB is requesting over {$2800.00} to close the debt and remove from my credit report. In addition, I have filed a complaint with the XXXX and the Attorney General in California for this company 's extremely unethical business practices. Note that XXXX, CBB Agent, stated " I 'm not supposed to do this and normally we do not do this, but will delete this for you if you pay this amount ''. The company has refused to further dispute this information, nor has accepted responsibility for the attempted bartering with their agent and non-compliance with FCRA. It is also worth noting that NEITHER THE ORIGINAL CREDITOR ( XXXX HOSPITAL ) OR THE COLLECTION AGENCY ( CALIFORNIA BUSINESS BUREAU ) HAVE COPIES OF MY DRIVER LICENSE, SIGNED DOCUMENTS BY MYSELF, or SOCIAL SECURITY CARD proving this is my debt, or that I was seen on the alleged date of service for the alleged services.
09/15/2016	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	CA 940XX	Web
The XXXX XXXX XXXX billed me for {$120.00} in late XXXX and I never knew about this charge until a few months later when apparently a collections agency, California Business Bureau, was put on the case. When I finally heard from the California Business Bureau in XXXX XXXX, I paid off the debt immediately in full. I had called them last week regarding this affecting my credit almost 4 years later as it was never disclosed that this would affect my credit score and, as a result, there was no disclosure that I had the right to dispute this affecting my credit. When I called, I was put on hold over almost an hour, just to get a representative who was extremely accusatory and said that they had sent a bill to a particular address. This address was NOT correct, and was a version of my address with typos in it. The representative was aggressively asserting that I must have gotten their bill since they did n't receive any " return mail '' but I know that is impossible because she did n't even have the correct address on file for me. In addition, she said they made several attempts to call. I never received any phone calls or voicemails from anyone telling me that they were calling to collect a debt for the XXXX XXXX XXXX. I am not going to stand for my credit being affected by XXXX points just because this debt collection agency could n't get my address right or properly make contact with me when billing me. It 's clear that the way this collections agency handles business is extremely unprofessional as illustrated by their numerous negative XXXX and XXXX reviews. I was told by the XXXX to contact the XXXX XXXX XXXX XXXX XXXX and I wanted to make sure that everyone knows this is the manner in which they conduct business -- affecting your credit score for years after a mistake on their end, just to insist they were not at fault and berate you on the phone after putting you on hold for an hour.
05/19/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92345	Web	Servicemember
California Business Bureau is reporting a medical bill to XXXX that I believe was fraudulently incurred by someone I know using my information. I did not believe I incurred this bill and I have informed them ( disputed the bill ) in writing. They acknowledge that dispute on my credit report. They claim the dispute is resolved but it was not. I believe California Business Bureau has violated numerous laws and continues to willingly do so. It was already on my credit before they even attempted to communicate with me let alone validate it properly. This is a violation of the FDCPA. I have a right to have a debt validated BEFORE being reported by a 3rd party. During the dispute process I requested validation of the debt. This was done in writing. I have never received a response to my request for validation. Failure to respond to a request for validation is a violation of FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX and if this is not removed I intend seek damages. The only thing I have received is a single bill with very little information about the alleged bill. They have refused to provide a detailed itemization sufficient to show that the debt was valid, that contains enough detail to meet the standard established by case law Fields v. Wilber Law Firm, XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX ... They have not given me proof that the collection company owns the debt/or has been assigned the debt. This is basic contract law. They have not provided a copy of a statement from the original creditor. I believe that it was retracted by the original service provider and has a XXXX balance for quite some time now and they continue to knowingly report it inaccurately which is a violation of FCRA Section 623 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( XXXX No. XXXX ).
09/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 93060	Web
On XX/XX/XXXX I noticed on my Credit Report 2 collections from a Debt Collection Company California Business BU billing me for two medical accounts I have absolutely no knowledge of. Account # XXXX claiming I owe a debt of XXXX and Account # XXXX claiming I owe a debt of XXXX. Both of these accounts by the company California Business BU are being reported on XXXX. I quickly disputed both of these claims. I use a company called XXXX XXXX a credit monitoring service since I've had a problem with my personal info having been used in the past. They notified me that there had been a change in my report and the change had been that California Business Bu on the XXXX of XXXX had removed Account # XXXX in the amount of XXXX and immediately thereafter had made a new collection account and placed it in my report Account # XXXX in the amount of XXXX. When comparing the two collection accounts being reported by this business you will notice that both accounts are the same account number # XXXX only one is now for XXXX with the dates of : Date Last Active XX/XX/XXXX Date Opened XX/XX/XXXX Date Last Reported XX/XX/XXXX and the other account is # XXXX claiming XXXX with the dates of Date Last Active XX/XX/XXXX Date Opened XX/XX/XXXX Date Last Reported XX/XX/XXXX As you can see this is a violation of The Fair Credit Reporting Act, Fair Credit Billing Act, and Fair Debt Collection Practices Act. Violating my Right to Information which requires producers to provide accurate and truthful information when advertising. Under the Fair Debt Collection Practices Act, a debt collector is forbidden to claim False Statements, and use Unfair and Deceptive Practices. Both of these accounts need to be removed from my credit report and whoever is furnishing information to the National Bureaus is clearly taking advantage of the privilege to be able to do so in a negligent and careless manner.
11/21/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 902XX	Web
I received notification from a home lender that I have a collection account on my credit from California Business Bureau for {$590.00}. I called the California Business Bureau to learn what the account was for. I did not have knowledge of the account. They told me that it was a remaining balance from a XXXX at XXXX XXXX XXXX in 2014. They also stated that the balance had now gone from {$590.00} to {$750.00}. I called the same day the credit report was issued. California Business Bureau said that {$590.00} was the principal balance, and the additional charges was interest placed by California Business Bureau. I called XXXX XXXX XXXX to confirm that this was accurate. XXXX XXXX XXXX informed me that the principal balance was {$290.00}. The original balance was {$590.00}, however I paid {$310.00} on the day of XXXX. Leaving {$290.00} remaining. I then called my insurance to confirm that the patient responsibility being claimed by XXXX was correct. They said that the patient responsibility had been fulfilled and no other payment was due. I then called California Business Bureau again, and explained the descreency between my insuracne company, the hospital and them. They told me I was wrong, and to quote XXXX XXXX ( who I spoke to ) I was " full of XXXX. '' I suggested more than once that I would pay the true balance of {$290.00} declared by XXXX XXXX XXXX that was sent to California Business Bureau, including their interest. They declined, and only would allow me to pay their stated about of {$750.00}. They continued to claim that I was lying. I offered XXXX to have a call with me and XXXX XXXX XXXX so we could collectively get to the bottom of the true balance owed. She declined.
02/26/2018	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 90280	Web
XX/XX/XXXX I received a letter from California Business Bureau , Inc. asking me to pay a debt from a hospital visit on XX/XX/XXXX for {$1300.00} plus {$290.00} of interest. XX/XX/XXXX I sent a fax to the California Business Bureau , Inc. with a statement from XXXX XXXX XXXX XXXX XXXX showing a balance due of {$660.00} I also faxed a letter to dispute the debt amount. XX/XX/XXXX I called California Business Bureau , Inc. to confirm they received my fax, the person with whom I spoke confirmed it and also explained that one of my health insurance provider, XXXX, paid for my visit to the hospital but they later claimed their money back. She also advised me to call XXXX. I contacted XXXX to confirm this information and the representative informed me that XXXX never paid any amount of that bill because of my deductible hence they never claimed any money back. XX/XX/XXXX I called XXXX XXXX XXXX XXXX to verify the amount of my debt and the representative said the hospital sent a balance due of {$660.00} XX/XX/XXXX I called California Business Bureau , Inc. to request an explanation of the amount they are collecting and the manager of my account did not even let me talk she started talking about my insurance provider and that I should contact them, and when I tried to tell her that I talked to them, she never let me. I also told her that I did not understand why she was talking to me that way if I was being polite to her and I only was trying to get responses about the amount they are charging. This agent offered to transfer the call to her supervisor but I was transferred to a voice mail machine instead, I left a message with my name and phone number but I have not been contacted.
02/18/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92596	Web	Servicemember
I received notification of a medical bill being owed from XXXX XXXX XXXX. I asked the company to verify the debt and was told they had already done so. I explained I had relocated a few times so please forward me the information. My spouse was in the car when a representative contacted me and the call was on speaker through the car. She informed him the debt had to do with a XXXX test and XXXX check. This caused an argument between the two of us in which I had to disclose XXXX I had suffered and that is why I went to XXXX. I did reach out to the collection agency and informed them the bill amount was incorrect because I never took a XXXX test. Sh stated it is standard for hospitals to give one. I informed her I am XXXX XXXX XXXX XXXX since XX/XX/XXXX therefore the doctor would not have done so. I asked if she could contact XXXX and get the amount of the XXXX test removed because XXXX will not speak with me due to the debt being purchased by California Business Bureau. I even stated I a willing to pay the entire amount due if they can remove it from my credit reports because of it being an inaccurate amount. Both the representative and the Supervisor stated no because a complaint from my representative was made against the company by a Mr. XXXX. I was informed if this is not pain they will report it each month on my credit as a new debt and begin legal action. I understand it is the collection company 's right to collect what is owed but it appears as if I am being punished due to a complaint lobbied against them in reference to me by my realtor. I have spoken with this company between XX/XX/XXXX and XX/XX/XXXX.
12/19/2023	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 93535	Web
Hi my name is XXXX XXXX XXXX You Guys dont have more options for different complaints I have four collections with the California Business Bureau so I called then to see of they cant remove 2 of them from my credit because their due to covid the government gave money to the employers to compensate sick employees of covid people were dying in the thousands I was sick i was not pretending I had that virus so I did not paid it went on collection and its costing me money and it mess up my credit more so Im paying off my collections so I called they said they can only remove it after its paid I said thanks and hanged up and said I will pay it. Then one minute later theres an inquiry on my credit report that they try to get a loan and bank account under my name under my social security with out my consent how is it that the CALIFORNIA BUSINESS BUREAU can do that with out my consent how is it that they can try to use my name with out my consent they are violating my identity my privacy covid murder millions the employers kept the money and alot of corruption why is California trying to open a loan with my credit the inquiry I want it remove from my credit report because I did not consent for that I take ownership for all other inquiries its true but this one the state is violating my rights and I wont stand for that the usa owes XXXX XXXX dollars I owe just a small fraction and its not fair a Bureau does that to its citizens im paying back my debt and Covid happen to the whole world not just me its so unfair that a institute a Bureau does fraud or Identity theft I did not consent for them to use my name
01/20/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92103	Web
I received a letter from California Business Bureau back in XX/XX/2020 requesting a payment of {$300.00} and change. I contacted them and escalated the matter to a XXXX by the name of XXXX XXXX to explain to her that this charge is wrong, unauthorized, and I have the proof from the doctor at XXXX who was trying to help me resolve it ( attached ). Ms. XXXX asked me to send her the proofs which I did in my email dated XXXX ( attached ) to look into this matter. On XXXX I got a notification from my credit bureau that there's a collection on my bureau ( attached ) and my credit score dropped by 80 points. I called California Business Bureau left multiple unanswered messages to Ms. XXXX today XXXX. Finally they transferred me to Ms. XXXX XXXX. She acknowledged having received my dispute and documents back in XXXX, and acknowledged that they have not sent me any form of communication in response ( no email, mail, phone call, text message ... nothing ). They did not even try to collect the money since then. Instead they went straight to the bureau and ruined my credit. She offered to make a payment and she would " remove the collection from my bureau '' to " help me ''. I didn't trust that this is possible, I was willing to pay something I don't owe for them to restore my credit. I felt helpless. I asked multiple times why didn't anyone send me any communication in response to the dispute since XX/XX/2020? No explanation given other than " it's your credit sir ''. This is too much power that no-one should have over any person. I am glad to find that I do have a recourse by filing this complaint.
11/20/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 631XX	Web	Servicemember
Recently, I noticed a negative item on my credit report that does not belong to me. The collection agency is California Business Bureau ( CBB ) and the original creditor is XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I wrote to CBB requesting account validation, in accordance with the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/XXXX, they responded by saying " there is no basis in law to substantiate your right to such information ''. CBB proceeded to provide creditor and account information including an amount they say I owe of {$890.00} and added {$500.00} interest for a total of {$1300.00}. They included no validation, but included a database printout of a patient inquiry report with service dates, service codes, and service code descriptions. No HIPAA release form for release of patient information was ever sent to me. Moreover, I have never been a patient or done business with said creditor, XXXX XXXX XXXX XXXX ( XXXX ). My name has been used fraudulently in this medical debt collection account unbeknownst to me between CBB and XXXX dating back to XX/XX/XXXX. Furthermore, since XX/XX/XXXX, I have been corresponding with XXXX to resolve this to no avail. I have requested physical verification/validation of the original signed consumer contract. They persist in refusing to remove this fraudulent, unverified, erroneous item from my credit report. The outcome is that this negative item remains on my credit report, negatively and wrongfully harming my ability to enjoy the benefits of good credit. This negative item is causing me severe problems in trying to purchase a home.
07/08/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	DC 20002	Web	Servicemember
I heard from this company one time. They called me and told me about a debt that was not mine. I have been a victim of stolen identity since XXXX. My purse was stolen by a room mate of mines and every since this happened I had random things pop up that do not belong to me. This company California Bureau contacted me telling me about a hospital debt saying my New York insurance did not cover it. I was unaware about what this place was speaking of especially since the spoke of a debt from XXXX and I recently just got the phone number they were calling me from. Next she just started telling me I had 30 days to give them the money and that they know where I live and if they have to put this on my credit it's going to ruin it. I then went on to explain that I was not the person who was there, she kept saying oh well you have 30 days and I'm sending a statement to a address that I no longer reside at. She then warned me that this is going to damage my credit if she had to report it and she does not get the money. Next thing I notice in XXXX someone illegally ran my credit report and the notes said I applied for a loan. ( same company ) I did not give them permission to run my credit nor did I apply for a loan. A couple weeks later They placed a collection on my credit. I assume the person that stole my identity has been using my medical insurance and was not able to use it with these people and then they tracked me down due to searching my credit profile with the unauthorized inquiry. This is not my debt and I don't want to continue being responsible for an Identity thief.
05/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92562	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
10/07/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 92084	Web
I have had a few debts from XXXX XXXX sent to this particular debt collector called California Credit Bureau. I have just paid for another one today. First to note, is that XXXX makes their billing system very confusing, and it is very difficult to understand their billing and insurance statements. For example, we pay all co-pays ( typically {$30.00} - {$100.00} ) for my family of 5 at each visit. Often, XXXX will bill the co-again on the follow up bill. We dont pay it because we KNOW we paid it at the office, etc. The issue is that this collection agency uses virtually NO communication, which makes it impossible to resolve prior to going to collections. I think they are actually doing this on purpose so they can make the added fees. They claim they leave phone messages - of which I have never received one. I verified my phone number and address they have on file. I do get some phone messages that sound like robo-calls occasionally, but the first 5 - 10 seconds are cut off and you hear the dialog only say ... .call 800 ... but not identify who it is or what. On this last collection of XX/XX/XXXX for {$180.00} ( which I just paid ) I asked when was the last written communication for this and verified my address. They said XX/XX/XXXX for a debt incurred in mid XXXX, and recorded a collection on my credit in XX/XX/XXXX. They said they made no communication to me from XXXX to XXXX of XXXX, and only sent 1 letter back in XXXX. This seems predatory to NOT attempt to communicate and them trump up the charges and record a collection on credit report.
09/14/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CA 92131	Web
Hi, my problem consists in an older case which apparently is the root cause of my credit score is not optimum reflecting my behavior. I found this problem last year when I approached a mortgage broker to qualify for a mortgage. Once he brought up this info ( which is ridiculous as all XXXX totals in {$190.00} and all XXXX were paid in full ). California Business Bureau ( CBB ) is the credit collection agency which I have tried calling to remove the XXXX collection reports which they in all XXXX cases told me verbally that if paid within a 30 day time limit it would not enter my credit report. I paid all XXXX incidents immediately upon the notification but apparently they did not keep their work. Every time I called them they reject me. I 'm not very familiar with credit score, however my mortgage broker suggested I should try to fix the score before applying for a mortgage as my score would be significantly higher resulting in a more affordable mortgage - and nobody is in debt nor is the balance in question of significance. CBB has never notified me about any rights to dispute their filings, hence it was left on my credit report for a while until I found it via the mortgage broker. However I found on the internet someone suggesting to file a dispute with the credit agency. I 'm not sure what to write and who to address, CBB? XXXX? Fico? ... As I would really like to be able to afford a permanent home for my kids to be raised in, can you provide me some guidance on how to proceed with this, please?
10/30/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 92109	Web
On XXXX XXXX XXXX I disputed information on my XXXX Credit report that did not belong to me. There were XXXX adverse accounts from California Business Bureau that I was unfamiliar with. These accounts belonged to someone with a different address, last name, and social security number. On XXXX XXXX XXXX I received a mail correspondence from XXXX, report number XXXX ( attached ) finding in my favor and that all XXXX negative items were deleted from my credit report immediately. On XXXX XXXX XXXX I logged in to my XXXX credit tracker account and notice that all of the previous adverse accounts removed from my credit report 21 months ago had been reinserted with no notice of investigation or certification of accuracy of information. as required by the Fair Credit Reporting Act. I filed the appropriate dispute with XXXX on XXXX XXXX to get these items removed. I received a response from XXXX on XXXX XXXX Report Number XXXX in which they decided to delete XXXX of the XXXX accounts which are all the same accounts from the same alleged debtor, California Business Bureau that had all been deleted 21 months ago. There is no reason to not delete all of these account I have proven that they are not mine. They are exactly the same name and dollar amount as the ones deleted 18 months ago. My complaint is that XXXX has failed to follow the laws of the Fair Credit Reporting Act by not giving me proper notification of investigation, or certifying the information that was previously deleted by them 18 months prior.
08/10/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 91942	Web	Servicemember
The original debt collector XXXX XXXX 's Was notified that my Medical Insurance coverage for both XXXX XXXX and Social Security XXXX Insurence Coverage through State Medical the info was provided before the Account was Closed with XXXX, I very recently in XX/XX/XXXX received a Debt collector Call phone call harassing me for $ 500+ I told them the debt was satisfied through XXXX and followed in XX/XX/XXXX I updated XXXX my SSI benefits Medical State Insurance to XXXX , In XX/XX/2018 I than contacted XXXX I spoke again to XXXX who took my insurance Medical Information for my Son who is a minor whom received XXXX XXXX XXXX XXXX which was covered by the State Social Security Administration but XXXX failed to provide documentation that their was a debt owed still or if the insurance was ever updated or billed, I debt collector was informed in XX/XX/XXXX over the phone that I dont owe a debt collector and any balance should be closed with a {$0.00} balance through XXXX . The creditors immediately reported right after I spoke to XXXX ; XXXX, XXXX and XXXX XXXX Mail left from XXXX : XX/XX/2018 XXXX Hi uh hi XXXX this is my XXXX with you earlier I'm calling from XXXX XXXX 's XXXX um if you could give us a return phone call um there's some information like to provide two of the number is XXXX thank you bye-bye I had earlier contact XXXX to Verify that they updated my Insurance and they said that the Account was Closed with a {$0.00} balance.
03/12/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	CA 92563	Web	Servicemember
Hi, I am writing this email regarding a court case that was defaulted against me. I am a combat veteran who has been in 5 combat deployments and was blown up and shot. I suffered significant and life long disabilities. I have undergone over XXXX surgeries. I am honorably discharged and seek medical through the VA. In XX/XX/2017, I suffered a XXXX XXXX XXXX and lost all XXXX in my XXXX. I couldnt make the drive over an hour to XXXX XXXX, VA. I called the VA to get approval to go to the emergency room at XXXX XXXX. I have the approval letter from the VA. After the approval letter, it says that the payment is agreed upon between the VA and XXXX XXXX . XXXX XXXX took partial payment for the doctor and rejected the payment for the emergency room. A couple years later, I received a summons from the California Business Bureau to go to court and they placed a lien on my house. After I was served I was told after contacting an attorney that I only had 30 days to dispute the case. I am on XXXX on low income and didnt have a way to hire an attorney to represent me. I then find out that the court made a judgement against me to pay the amount and the attorney. This is absolutely disgusting that business are doing this to XXXX veterans and I could only imagine how many veterans they are doing this to especially through injuries and approvals. If theres any assistance to help veterans or how to deal with this.
07/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92019	Web
I was sent a collection letter on XX/XX/2021 attempting to collect a debt of {$230.00} from CBB ( California Business Bureau , Inc. ), ( attached ) and replied with a with a personal dispute letter on XX/XX/2021 ( attached ) stating that I do not owe the debt and I was requesting supporting information. 30 days passed and I did not receive a reply nor was I contacted in any way. I was then contacted via telephone on XX/XX/2021, nearly 4 months later ( screenshot of call attached ) from XXXX XXXX XXXX , XXXX attempting to settle the same debt. I explained that this should not be a debt owed and that I had requested, in writing, the supporting information back in XXXX and never received anything from the agency and the service caller quickly hung up. Now, I have just received another collection letter from XXXX XXXX XXXX , XXXX with the opening line stating that the requested information is enclosed and it is only a statement of charges, not a breakdown of charges or any supporting information. I do not owe this debt and have been attempting to resolve this accordingly and these agencies are not following the legal protocol and are only using aggressive measures in an attempt to bully/harass me into paying this debt that I firmly deny. I would like to submit a formal complaint and have these two agencies held accountable for harassment and failure to collect a debt legally.
09/08/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 91350	Web
California Business Bureau Inc is attempting to charge interest in the amount of {$160.00} on an account that does not have interest tied to it in the original contract as it is a medical debt. When I spoke to California Business BureaXXXX on XX/XX/2023 at XXXX PST the collector stated that they did not have the original contract that stated they were legally allowed to charge interest on this account and that they were able to charge the interest " because I didn't pay it. '' When I spoke to the original debtor ( the hospital ), they stated that they do not charge interest on their accounts. This means that CBB is charging interest illegally under 15 U.S.C. 1692 et seq. of the Fair Debt Collection Practices Act as well as misrepresenting my legal rights as a consumer ( another illegal practice under FDCPA. ) Furthermore, they called both of my parents on XX/XX/2023, which they are not allowed to do unless they're unable to locate me, which was not the case as the original letter they sent dated XX/XX/2023 stated that I have until XX/XX/2023 to respond. How can they determine if I'm unable to be located if they did not give me reasonable time to respond per their letter? This is illegal under 805 ( b ) of the Fair Debt Collection Practices Act.
06/30/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 78704	Web
I called, faxed and sent certified mail to the XXXX Business Bureau asking for the items listed below. They have not validated my debt in any way. - The name and address of the original creditor- The original date of default or non-payment of the debt with original creditor- The date the debt was transferred from the original creditor to the third party debt collector- The original balance- The current balance- Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) - XXXX Surety bond information as required by Sec. 392.101- Contract signed with XXXX to prove they are acting legally for another company They have not supplied this information. They have called me a liar and told me they are not giving anything to me because they do n't have to. After not validating my debt they are now lying about their true nature to avoid giving proper proof of their XXXX Surety bond information required by Sec. 392.101 of the XXXX Finance Code. In a previous claim response with the CFPB ( Case number : XXXX ). They stated " We are aware we do not to be bonded in XXXX since we do n't do collection activity. '' They are in fact a collections agency. I am attaching proof of my certified letters and proof that they do collect debt.
08/14/2019	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 92345	Web	Servicemember
On XX/XX/2019 at approximately XXXX XXXX XXXX at California XXXX XXXX reached out to XXXX XXXX who is an employee of mine and told him they were a collection agency trying to get hold of me and asked him for my phone number. Mr. XXXX came to me and gave me the message. I called XXXX. I asked what this was about. She explained that it was a medical collection account for my daughter. I explained to her that my ex wife ( mother of my daughter ) has a history of incurring medical bills for my daughter without my authorization and that there are court orders in place on how this is to be handled. I kept asking her who incurred the bill and she kept telling me that it could be reported and if I was going to pay the bill. I kept asking her for information and for them to send me something in writing so I could find out if in fact I authorizes this or not. My daughter has had extensive medical bills and some of them I have and some I have not. She asked me for my address. I supplied it. She asked me for my cell and I supplied it. I asked her for who the responsible party was and she would not respond. I asked her to only communicate in writing and she continued to threaten me with reporting it on my credit.
11/02/2023	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 93906	Web
On XX/XX/XXXX I was in hospital for less than 3 hours for check up got let out gave them a XXXX XXXX insurance I have not received any mail due to me being homeless living in a RV then moved to XXXX I then moved back to XXXX in XXXX as soon Covid then hit the United States in the year XXXX all the way to the present year of now XXXX it has now been cleared up. I was then hit with a collection it has dropped my credit score XXXX points I have not had the best experience with the California businesses bureau as they threatened me and my credit Score, I asked them why they have sent me to collections in a five year span and the response from them was disrespectful and didnt help me whatsoever, the lady told me from California businesses bureau that they did me a favor and held it till the date XX/XX/XXXX. That is unprofessional and costed me a major drop in my credit after I been trying to make it better this whole collection came out of know where. With this being said the California business bureau wants me to pay {$1400.00} dollars Im still struggling and I would like this collection checked out and deleted off my report and would like a new credit report showing the removed collection.
08/30/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90018	Web
The California Business Bureau ( XXXX XXXX XXXX XXXX, XXXX Ca XXXX phone XXXX ) opened a debt collection with me in XX/XX/2019 when I received a letter from them. I called them in XXXX asking them to show me what the specific debt was. Within a couple of weeks I learned it was a medical bill from the the previous fall that was legitimate. I paid in full in XXXX. Never in my conversation with California Business Bureau did they say if you don't pay by a specific date we'll report this on your credit. Even though I paid it in full in XXXX ( 2 months after they opened the account! ) they reported it to credit bureaus creating the only delinquency mark I have had on my credit in 30 years ). I didn't know I had a mark on my credit until I applied for a home equity loan in XXXX. I was shocked that CBB had reported me even then I'd spoken with them, received their information, and paid the bill in full in XXXX. All within 2 months. If that's legal, it should not be. Medical billing is confusing and works against consumers. The fact that a collection agency can harm my credit after I paid the bill in full within 2 months is outrageous. I believe CBB 's practices are misleading and harming.
07/21/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 92071	Web	Servicemember
XXXX collections from California Business Bureau are on my credit reports. The hospital made billing errors with insurance co and should not have reported these. They corrected the problem, sent me an email explaining they had contacted collection agency to remove. I also got a letter from the collection agency apologizing and promising to remove negative info. Letter dated XXXX/XXXX/2016. This has not been done, All XXXX credit bureaus told me they have not been contacted by collection agency. This is a significant error on my report and has caused me other credit problems, lowering of credit limits, credit denial. All I want is this fixed by removing these. There are collections that are also incorrrect. Can you give me attorney information that I may contact here in XXXX XXXX to help me with these. It is very tiring and time consuming and I am ready to hire a professional to handle this for me. When I called the collection agency I was handled very rudely by some female who may or may not have been nothing more than a secretary. It was apparent she had no desire to help or even cared that I was concerned about correcting this issue.
04/15/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 93551	Web
XX/XX/2022, I sent a letter to California Business Bureau to validate he debt that I allegedly owe. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am, undeniably, the party you are requesting to pay this debt. I am requesting validation of the date of alleged medical service, the name of the patient, and proof that there is some contractual obligation that is binding on me to pay this debt. Any agreement with your client that awards you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, concerning unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. California Business Bureau is not complying with their own policies in a timely manner.
03/17/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 91355	Web
I discovered a collection account from California Business Bureau recently. I knew nothing about this bill because they never contacted me before placing it on my credit, which by law, they are required to do. I immediately disputed it with all XXXX credit bureaus and they have 30 days to contact the original creditor to verify the account. They responded back in a week that they had done so and the account was indeed mine. However, I contacted the hospital office that they were supposed to and they assured me that they had NOT heard from California Business Bureau AT ALL. Which means they are committing fraud and violating the FCRA. I did research into California Business Bureau ( XXXX, XXXX, etc. ) and this is how they conduct their business on a daily basis. They regularly threaten people to make them pay bills, illegally take money out of people 's bank accounts, give people fake account numbers so they payments do n't credit, pretend to be linked to the State of California and exactly what they did to me, reporting a collection account to the credit bureaus without notifying the person and more.
09/25/2015	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	CA 93611	Web
I was not made aware of this debt/bill by the medical provider or the collection agency it was assigned to. I discovered this {$25.00} debt in collections when I checked my credit report. I have XXXX coverage through my medical insurance companies, as does my wife. My wife was also found to have XXXX outstanding bills that were found on her credit report that had gone to collections as well. The bills were created by the same hospital that charged me the {$25.00} bill, which was sent to collections. My wife and I had no idea she had any outstanding bills from this hospital until we checked her credit report at the same time we checked mine. She did not receive any bills or paper work from the hospital or collection companies either. The collection agencies removed all of my wife 's bills from her collection reports, but has refused to work with me on this issue. I have asked the medical provider to work with me on removing this from my credit report, because I never received any notification of this bill, but the hospital billing department has refused to work with me to resolve this issue.
08/20/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33712	Web
CALIFORNIA BUSINESS BUREAU , INC has been reporting amounts to XXXX for medical debt allegedly owed to XXXX in XXXX XXXX. The Collection Agency refuses to provide me with any documentation of these account balances and continues to report each amount to XXXX four or five times each month. Each time I ask the collection agency for an account statement I am told that the collection agent is waiting for the original creditor to send them documentation that they have requested. I have contacted the original creditor and been informed that no information has been requested by the collection agency for any of these accounts. California Business Bureau , Inc. refuses to provide account statements, reports the balances to XXXX several times per month, refuses to attempt to actually collect any money they allege I owe and has been negatively impacting my credit score since XXXX without just cause. I have filed complaints with XXXX and they have accepted Certifications and Verifications from the collections agency in lieu of requiring documentation to substantiate the amounts owed.
05/28/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 94303	Web
I have been contacting the California Business Bureau and received a reply that shows they are requesting x2 an amount of a debt collection that was taken out of my record due to it being a duplicate. I wrote a complaint about how they have not been returning my emails or calls and in their response they said they had been contacting me and I haven't been responding. This is UNTRUE and DECEITFUL for this agency and they are trying to collect a debt that isn't the amount from my records. I have spoken with the hospital involved from where my debt originated from, and they replied with the number and address of a DIFFERENT debt collection agency XXXX XXXX XXXX XXXX XXXX than this one and also with a different amount requested. I would like clarity and transparency in what I need to pay off and to what company I should pay it to to get it off my credit report. Neither companies have tried reaching out to me which I believe it to be because of this COVID-19 pandemic occurring but that does not give them a right to straight up lie about them trying to reach me.
04/01/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 91709	Web
Date of service XX/XX/2020 from a XXXX XXXX XXXX provider. Multiple dates of service throughout the year for the same XXXX, however this was the only date billed to me of about {$400.00}. For the next year I made numerous attempts to contact both XXXX XXXX and XXXX XXXX XXXX as to why this specific XXXX was not covered. As it turned out XXXX XXXX submitted the claim for that date incorrectly then submitted a second claim improperly formatted and without context. The claim was flagged by XXXX as a duplicate. XXXX requested more information but was not provided anything by XXXX XXXX. Throughout this ongoing issue I made numerous calls to both parties to try to resolve this issue. Aware of the problem, XXXXXXXX XXXX continued to balance bill me the {$400.00} and sent it to collections despite the pending insurance issue. To this day they acknowledge their mistake and error yet refuse to correct the issue and bring the account back from collections. XXXX XXXX XXXX and XXXX XXXX both have substantial documentation of these statements.
06/27/2018	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	CA 91941	Web
I received a notice of debt from California Business Bureau , Inc. about a bill that I partially paid and informed the clerk at XXXX that I was waiting on the second XXXX card less than 30 days ago. Having just returning from vacation on XX/XX/XXXX I received a letter dated XX/XX/XXXX. In the letter is states " If we do not hear from you within 48 hours from the date you receive this notice, we will assume that you do not intend to pay ''. This is a direct violation of FDCPA and further UDAAP causing a false sense of urgency, deceptive practices, and harassment. Engaging in behavior the natural consequence of which was to harass, oppress, or abuse the XXXX in connection with the collection of a debt ( 15 U.S.C. 1692d ) Using false, deceptive, or misleading representation or means in connection with the collection of a debt ( 15 U.S.C. 1692e ) Employing false and deceptive means to collect a debt ( 15 U.S.C. 1692e ( 10 ) ) Using unfair and unconscionable means to collect a debt ( 15 U.S.C. 1692f )
11/21/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 90026	Web
I have never received a single collection letter nor phone call nor any other means of collection from this company regarding account XXXX and furthermore, the report on my credit by XXXX claims history of on attempt and one registration to the credit bureaus. Furthermore, I have never been to this Hospital and it can not possibly be about me nor anyone from my household because we have all have private insurance by XXXX XXXX and again this is not possible. At any rate, there is nothing fair reporting or otherwise by means of collection when one is not notified by mail nor phone nor by any means prior to slapping an unsubstantiated charge on an otherwise perfect credit report. Please take from these unscrupulous agencies the power to do such harm to people and to rob people of their peace and calm. Report to whatever agency needs to have this information regarding less than proper practices regarding collections and reporting of debt and have them immediately pull this off my credit report.
12/21/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92109	Web
On XX/XX/XXXX, I obtained a credit report in order to file Chapter & Bankruptcy, and discovered for the first time that XXXX XXXX XXXX in XXXX, despite State of California health insurance paying in full for the services rendered, unlawfully filed a collection action attempting to be paid twice-over. XXXX XXXX XXXX sent the account to California Business Bureau, collection agency. On XX/XX/XXXX, I filed for Bankruptcy, my attorney included this unlawful debt and asked the U.S. Trustees Office to investigate. The alleged debt was listed as incurred on XX/XX/XXXX ( Acct. No. XXXX ) in the amount of {$36000.00}. The Trustee informed me that I needed to file a complaint with your agency and discharged the debt. On XX/XX/XXXX, I received a full discharge of all debts. I contacted both XXXX and the collection agency, as well as a dispute with XXXX. They told me it would be removed on two occasions and they have not. INSTEAD, THEY UPDATED THE CLAIM THAT NOW SHOWS ON MY CREDIT REPORT.
04/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92101	Web
I HAVE CONTACTED CALIFORNIA XXXX XXXX TO DISPUTE THIS ACCOUNT. I HAVE REQUESTED PROOF/DOCUMENTS FROM XXXX THAT I OWE THIS DEBT AND THEY CAN NOT PROVIDE ME WITH ANY. I ALSO SENT MY CORRESPONDENCE BY CERTIFIED MAIL AND THEY DID NOT INVESTIGATE MY DISPUTE AND RESPOND WITHIN 30 DAYS I FOLLOWED UP WITH A PHONE CALL AND THEY STATED " THEY DID RECEIVE THE LETTER '' MY CREDIT REPORT WAS NOT UPDATED AS DISPUTED. I THEN APPLIED FOR A MORTGAGE AND RECEIVED A A HIGHER INTEREST RATE. GIVE THE AUTOMATED UNDERWRITING PROCESS, THE FACT THAT XXXX DID NOT UPDATE THE ACCOUNT AS " DISPUTED '' IMPLIES THAT " I AGREE '' THAT THIS ERRONEOUS MEDICAL COLLECTION BELONGS TO ME AND ALL THE INFORMATION IS CORRECT. WHICH IT IS NOT. THIS ACCOUNT MUST BE REMOVED FOR REPORTING FALSE, ERRONEOUS AND MISLEADING INFORMATION. ALSO, UNDER THE XXXX THIS COMPANY " XXXX '' IS REQUIRED TO REPORT UNDER STATE LAW, ACCURATE, OBJECTIVE INFORMATION WITH MAXIMUM POSSIBLE ACCURACY BEFORE IT EVER EVEN DISPUTED.
09/18/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 91711	Web
This complaint is about XXXX XXXX XXXX XXXX in XXXX, California. These evil vermin saw me a year ago at their ER. They essentially read my XXXX XXXX and sent me home. The bill was over {$4200.00}, for a XXXX XXXX reading! This did not include any actual 'service ', that was all billed separately. Being post-XXXX America, and because I have the audacity to work for a living, I got bills from half a dozen different agencies. Despite attempts to make equal payments to all associated vultures, one slipped through the cracks. After 30 days without a payment these creeps sent me to a XXXX collection agency that is demanding usurious interest. The XXXX XXXX in their receivables department now refuses to work with me to get the account in good standing. Any patient not in immediate life threatening condition should avoid this place at all costs. Better to grab some cash and head to XXXX. They are a den of thieves and thugs. I can not believe this happens in America.
05/17/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 917XX	Web
Received a letter from the debt collector California Business Bureau regarding medical debt. I requested this debt be sent back to the hospital for settlement and was told they could not do that. They did not provide me with a proof of charges to match the collection and was told I could not make a settlement amount with them and would have to pay them in full or set up a payment arrangement. I set up the payment arrangement to avoid this debt being reported on my credit only to find out they will still report it. I was never given written notice of the arrangement nor was I told there would be accrued interest daily. I requested on XX/XX/17 from the representative XXXX a written notice of the payment arrangement as well as information on why Im being charged interest and was told they dont provide that and they can charge interest if they want to. I believe they have violated my rights in many ways and refuse to provide requested documentation.
01/31/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 93001	Web	Older American
Received a letter from a debt collection company XXXX of 2022, in the amount of {$71.00} I responded to them stating that it wasn't my debt. I checked the box asking them to send me the address and name of the original creditor. I never received anything back. I received another letter today with the same information as the first letter, but now the amount of the debt is {$1000.00}. it can't possibly be mine. I have insurance I've never been contacted my insurance for this nor the medical facilities I go to. They mention a XX/XX/XXXXXX/XX/XXXXbut I've never been there. I don't know if I should send this second letter back to them since I never got the verification from them for the first letter. I'm really not sure what to do at this point but I'm sure it's not my debt. The debt collection company has XXXX different reference numbers for the XXXX letters I received. The first one has as reference # XXXX, the second letter has reference # XXXX.
10/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 93003	Web
An account from California Business Bureau Account # XXXX is reporting on my XXXX report. I bill that they mailed me is in violation of U.S.Code 1692 b 1692b ( 5 ) Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and FDCPA Discussion. I am attaching a copy of the bill as proof, and furthermore I have already verified with the hospital that this is a billing error. They have made it clear that the patient was in fact covered at the time of this hospital visit. This error on my report has caused my business much harm and CBB should know that if this item is not removed I will take legal action. A copy of the FCRA is also attached as you will find this error is also in violation of many codes listed.
12/02/2017	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	CA 92040	Web
I thought I was paying a debt I owed to the a state of California agency. This caused distress as I am a XXXX XXXX XXXX. I paid the debt not realizing that it was actually a debt collection company for medical debt. The name California Business Bureau is very misleading and is purposefully intended to trick consumers and pressure them into paying by associating itself as a state agency or credit bureau. Pursuant to Federal Trade Commission ( FTC ) Opinion Letters XXXX ( XXXX ) and XXXX ( XXXX ), CALIFORNIA BUSINESS BUREAU, is in violation of Section 807 ( 16 ) of the FDCPA which states " a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. '' This company is engaging in capricious activity and attempting to mislead consumers by associating itself with the state of California and as a credit bureau.
08/27/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 92139	Web
I disputed this debt with the credit bureaus and directly with the collection agency via certified mail. At no time did I receive any documentation that legally verifies this debt. I have not even received correspondence from this company at all except for the original letter. Congress states that the only legal verification is the physical documentation that was filled out when this account was opened and this documentation was never sent to me. In addition, I 'm pretty certain that a company can not just state that the debt is mine, or else anyone can state that anyone owes them money. Where 's the proof and why ca n't this company produce it? I never stated it was identity theft, I never stated that it was n't mine. What I am stating is that I do not recall this debt and that I know my rights in regards to items reporting on my credit report : they must all be legally verified.
03/06/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 90220	Web
XX/XX/2018, California Business Bureau received my certified letters ( 4 ) requesting them to validate the debt being reported on XXXX under my social security number per the Fair Debt Collection Practices Act. In turn, the receptionist at the front desk of my job told me their were papers left for me at her desk. It was a summons I was being sued by California Business Bureau. They failed to provide any contract bearing my signature to validate the debt they were looking to collect or exactly what medical services they were collecting for. I have no idea who these people are. I pulled a new credit report on XX/XX/2018 and they failed to communicate to XXXX credit bureau the debt had been disputed within the 30 day time period. A direct violation of FDCPA Section 807 ( 8 ). They also did not validate and provide any proof or contract bearing my signature I owe them anything.
05/29/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 92584	Web	Servicemember
I paid this medical account in full with the original creditor ( XXXX XXXX University XXXX XXXX XXXX ) and I was assured that the collections entry were going to be removed completely from all credit bureaus. The collection agency is refusing to remove the entry after a full payment was made to the original creditor and the collection agency is reporting the account as a paid collection instead of removing the account as I was told and agreed to. The main purpose to remove the account from my credit report is to lessen the impact on my credit score and be clear of any collections. I was assured that after making a " full payment '' the account was going to be completely removed and now that they received my money are refusing to remove the account from my credit report and instead just updated the account to reflect as a paid collection, this is a violation of our agreement.
05/22/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 92584	Web	Servicemember
I paid this medical account in full with the original creditor ( XXXX Medical Center XXXX ) and I was assured that the collections entry were going to be removed completely from all credit bureaus. The collection agency is refusing to remove the entry after a full payment was made to the original creditor and the collection agency is reporting the account as a paid collection instead of removing the account as I was told and agreed to. The main purpose to remove the account from my credit report is to lessen the impact on my credit score and be clear of any collections. I was assured that after making a " full payment '' the account was going to be completely removed and now that they received my money are refusing to remove the account from my credit report and instead just updated the account to reflect as a paid collection, this is a violation of our agreement.
11/30/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92509	Web
For several months I have been trying to dispute negative accounts from my credit report, accounts that I do not recognize as mine and that on several occasions I have requested verification and even validation of them, the accounts that I have sent on multiple occasions to dispute because they violate the FDCPA are as follows : CALIFORNIA BUSINESS BU XXXX. CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX I have requested a validation of the accounts several times with the creditor and they never answer me back. This creditor is in violation on my consumer rights. My lawyer is already working on this case.
12/14/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90732	Web
i disputed this with account twice already with XXXX seeing how their the only ones recording this unauthorized account on my credit report and asked them to provide and to follow the a ) Policies and procedures. Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnisher 's activities and hasnt provided such detail at all to me. General Account Info Report Number : XXXX Date Generated : XX/XX/2020 Account XXXXCALIFORNIA BUSINESS BUREAU Account XXXX Account TypeCollection ResponsibilityIndividual Date XXXX StatusCollection account. {$1900.00} past due as of XX/XX/2020. XXXX XXXX 2020
09/05/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 907XX	Web
I received a bill from XXXX XXXX XXXX XXXX XXXX collections. On this bill 2 separate amounts owed were listed. Date of bill was from XX/XX/XXXX statement date was XX/XX/XXXX. The 1st amount was {$79.00} on page 1 of bill. On page 2 the amount due was {$100.00}. I contacted XXXX to clarify amounts along with obtaining further information regarding the interest fees on XXXX at XXXX. I was then given another amount due, I inquired why a 3rd change in the amount owed. And if they were able to clarify their interest charges. I was not given much information by the representative and transferred to their Supervisor XXXX. I left a voicemail and have not received a call back. This information has me uneasy as I believe they are being deceptive in the collecting the incorrect amounts owed and can fraudulently keep an individual owing them money.
04/14/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 78242	Web
The Califonia Business bureau has committed various deceptive and egregious acts to attempt to extort me into paying this debt. Firstly they have listed it on my credit report as several collections instead of one to attempt to ruin my credit. Secondly they have never provided any signed document, a copy of my id at the date of service or any such agreement saying that I would pay this debt. Thirdly when I called them to try to resolve the collection without going to court they asked for my " social security number to look up my account '' Once I gave it to them innocently the collection agent on the phone said we will never take this off your credit report and said now we have your social security number so you cant get out of this. It has been a terrible experience and this is my final step before pursuing legal action.
06/02/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 91910	Web
In 2013 I was hospitalized on an emergency basis. When I was admitted, I signed XXXX financial responsibility document. I was uninsured and my hospital expenses exceeded {$100000.00}, and reflected on XXXX BILL, and assigned XXXX ACCOUNT NUMBER. The hospital assigned the debt to CALIFORNIA BUSINESS BUREAU, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX. Rather than report XXXX debt to the credit reporting agencies, CALIFORNIA BUSINESS BUREAU has listed the debt FOUR times as XXXX SEPARATE ACCOUNTS with XXXX, FOURTEEN TIMES as XXXX SEPARATE ACCOUNTS with XXXX, and EIGHTEEN times as XXXX SEPARATE ACCOUNTS with XXXX. There is and was only XXXX ACCOUNT with the original creditor. CALIFORNIA BUSINESS BUREAU is falsely and fraudulently reporting XXXX debt as several as an intentional act to damage my credit report.
11/29/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92651	Web
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on CALIFORNIA BUSINESS BU. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report : CALIFORNIA BUSINESS BU XXXX Opened : XX/XX/XXXX Balance Owed : {$2500.00} ; CALIFORNIA BUSINESS BU XXXX Opened : XX/XX/XXXX Balance Owed : {$660.00}
10/20/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OR 97420	Web
I received a call from XXXX at California Business Bureau from a blocked number, she left a voicemail regarding a debt. I listened to it in my break room and many people are now aware of my debt. I was previously contacted by this company months ago. They did not disclosed they were a debt collector until i asked. I informed them I did not have any knowledge of this and had not got a first notice in the mail. She then said she would send one, still have not received anything in the mail. On todays phone call she verified my address she has on file in Oregon is correct. I asked for another copy of everything, she was RUDE and said " Ma'am i already sent it what's the difference '' I am trying to resolve this matter and she made it very difficult and talked over me many times. I feel degraded and harassed.
01/05/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92103	Web
I received medical services in XXXX of XXXX. I gave XXXX my insurance information before seeing the doctor and made my co-pay. I received an annual exam which is covered by insurance. Over a year later, I received a bill in the mail from XXXX and learned that they had failed to timely bill my insurance and were now coming after me personally to pay them. Over the course of that year, my insurance provider ( through my employer ) had changed. I informed them of the error and let them know that they needed to bill my former insurance, or write it off, because it was their billing error and these were covered services. I had no idea that they sent it to collections instead. I never received a notice or option to dispute from " CALIFORNIA BUSINESS BUR '' who now shows on my credit report.
06/01/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 91767	Web
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt. On XXXX/XXXX/2016 i mailed a request to Validate the Debt via Priority Mail via the USPS. On XXXX/XXXX/2016 I received a notice from the collection agency stating that the did indeed receive and completed a Consumer Dispute Verification. This is a violation of the Fair Debt Collections Practices Act ( FDCPA ), the FCRA, and Federal and State statutes for fraudulent slander of credit and illegal reporting activities. Under California Civil Code 1785.26 a collection agency is to notify me within 30 days of reporting a collection account to my Credit report. Since they have failed to notify me of this, by phone or registered mail they are in violation of this code.
03/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92805	Web
I XXXX XXXX have been dealing with this debt collector for a few months now and they continue to violate the statutes I have listed below. 15 US code 1681a # 4 - respect the consumers right to privacy, these companies have infringed my right to privacy after explaining to them that is not my debt they continue to update my credit report monthly. 15 US code 1692a- The term debt means any obligation or alleged obligation, i have explained to this company that this debt is not mine. *15 USC 1692f- Communicating with a consumer regarding a debt by post card, post card in others words means to bring notice or attention to the public ( credit report ). This company has assigned an attorney ( 3rd party ) which they are committing infringement of privacy once again.
04/23/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92009	Web
After finding these inaccurate items on my credit report and having never been contacted by this company or the original creditor as required under the law, I requested the information on the debts they say that I owe. They have failed to provide the actual invoices which these debts were incurred with. Despite the request and lack of response from them, they have confirmed to the Credit Reporting agencies that this debt is valid. These are medical bills for the most part. I have always had medical insurance and paid my deductibles. I am guessing that these amounts should have been written off by the medical providers according to their agreements with my insurance but are trying to collect in violation of their agreements with the insurance companies.
07/02/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 93010	Web
I tried calling at the number provided from the voicemail and provided on the letter from the collectors, but I am still awaiting to get my call returned. I left a message yesterday, which someone helped me by saying theyd leave my information for someone that will be able to help me. Based off from what I owe, XXXX XXXX XXXX XXXX, did not charge my insurance, and I am expected to pay full amount, which I have evidence that during the time XX/XX/2020, I was in fact insured and I should not be charged full amount. I have checked other bills, and after my insurance is billed, I only pay {$10.00}. I sent out my insurance card ID to billing as proof as well, but I would like from CBB to stop charging me and adding interest for something I dont fully owe.
06/23/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CA 91214	Web
I am a XXXX year old college student .Just recently I found out that I have an unpaid debt ( {$450.00} ) in my credit report from XX/XX/XXXX which I never knew about. Upon further investigation I found out about an unpaid medical bill my insurance company has refused to pay. Now, I have never received a single correspondence from the hospital nor from the collection agency.The only reason I found out about this debt now in XX/XX/XXXX is because I applied for credit card and was denied due to the above mentioned debt .I am devastated because I pay all my bills on time. I do n't have any credit card debt since I pay them fully at the end of each month. I feel my rights have been violated and neglected and I have been put in this situation unfairly.
02/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90804	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.
07/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 934XX	Web
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. I recognize your quick regard for BLOCK or REMOVE these ADDRESSES, NAME, ACCOUNT and reaction inside XXXX work days : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX
11/10/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94401	Web
California Business Bureau ( Collection Agency for XXXX XXXX ) - I was diagnosed with XXXX in year XXXX. I had all my procedures, text, check up, and XXXX done at XXXX XXXX in XXXX XXXX. In XXXX of XXXX XXXX, A YEAR AFTER my diagnosis and procedure I received a bill/ a call from XXXX XXXX saying I have bills with them. I have disputed this so many times and told them I have never been to their hospital. Why would I pay a bill that is not mine. It is an identity theft. It wasn't me. I have a Health Insurance but I am still paying all my Medical bills from XXXX where I had my XXXX. My personal information was hacked years ago, In my credit report there was showing an address from XXXX, I have not lived in XXXX, California.
01/19/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA XXXXX	Web	Older American
I California Business Bu has medical records in my name that I did not authorized this company to have. They are stating that I owed them {$1200.00}. Medical records are personal, and I don't know they got them. I did not authorized XXXX XXXX XXXX XXXX XXXX to give a collection. I have reach out to XXXX Credit Report many time, and I have not gotten any help. My credit is destroyed my this collection Department. I want this collection removed off my credit, and I want a investigation done to fine out how this company got medical records that I did not authorized. Can you help me with this situation. I don't think this is fair for a collection company to steal or buy medical records for their own personal gain. Thank you
05/14/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 92101	Web
We have been regularly paying off the medical bill to XXXX XXXX OF XXXX with an approximate current value of {$2500.00}. We pay $ XXXX monthly but always when we receive a bill. The original amount was approximately {$7000.00} which we have made a significant dent in since inception. We are now getting a collection bill from CALIFORNIA BUSINESS BUREAU , Inc. without even being forewarned that the outstanding bill would be going to collection. They called me at work and were rude and misrepresentative. We negotiated this arrangement with XXXX XXXX XXXX in XXXX when we XXXX got the bill after our son 's treatment, and they were aware of our circumstances and agreed at that time, last year to honor this arrangement.
02/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 93662	Web
XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$450.00} CALIFORNIA BUSINESS BU ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX*XXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$1200.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately
04/19/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78130	Web
A company called California Business Bureau is reporting on my credit reports medical debt from XX/XX/XXXX-XX/XX/XXXX. I have sent certified mail asking for validation and proof of surety bond in the state of Texas, which they do not have. I live in Texas. The company 's address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX. The Texas Secretary of State debt collector website search shows no surety bond in the state of Texas. According to Texas Finance code 392 they must remove all entries from my credit reports with all three bureaus and may not sell or transfer these accounts. I am also aware that I could sue them and be compensated for their illegal debt collection practices on each instance they are reporting.
12/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89103	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
04/26/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 92591	Web
I keep disputing a collection account that I have no idea what it is. I have asked for an itemized bill but have not provided me with anything. I Never received a bill from the original party and I was sent to collections for a bill I never knew existed. I have disputed and still comes back with no info and collection is still there. How can you possibly put a collection on me for something I don't if know what it is for and yet the collection company has yet to provide or original bill. Its not fair I was never given a proper chance to pay bill. When I dispute a get a response saying Information on this item has been updated. Please review your report for the details. and there are no details.
08/26/2018	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	CA 91356	Web
I have called on behalf of my husband, The California Business Bureau ( Debt Collection Agency ) on XXXX-2018 after I got their number from XXXX XXXX and I was told to call them in order to get a new XXXX XXXX. The Representative that answered my call was very aggressive and abusive and told me that my husband owes {$15000.00}, which is false. We got into an argument since she didn't let me speak and was aggressive and disrespectful. I hung up the phone. The day after, I got an alert from XXXX that this collection agency had put a hard inquiry on my credit, not my husband 's. I don't know how a collection agency can place and check my credit whenever they want when it's not even my debt.
12/06/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 90017	Web
California Business Bureau , Inc Is practicing unethical business procedures. I was recently in the hospital and now is currently paying some bills off. I sent CBB several settlement letters. I have gotten no response. the initial bill was for {$550.00} ... The amount of interest charged is/was criminal. XXXX interest per month. on XX/XX/2016 the bill increased to XXXX by XX/XX/2016 i got a new bill ( a few days after i sent the last settlement letter ) in the total of {$14000.00}. How does a bill go from XXXX to XXXX dollars in 7 days? criminal amounts of interest fees. On top of this they charge the person just to pay the bill. I am able to produce all paper work necessary if needed.
11/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 916XX	Web
In XXXX XXXX XXXX XXXX performed a XXXX on my underaged pregnant daughter. My daughter was covered under " minor consent XXXX '' which, in the state of California, allows pregnant females under the age of XXXX to consent to medical treatment without their parent 's consent while living in their parent 's home. XXXX XXXX accepted her XXXX XXXX XXXX in full and did not involve me at all in any paperwork or payment responsibility since my daughter was being treated as an adult. After her treatment, her bill began appearing on my credit report. I have been disputing it ever since but they will not remove it. This has been affecting my ability to get approved for mortgages and credit.
08/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91402	Web
A few months ago I took a look at my credit report and found inaccurate information on it. One of them was a collection account from California Business Bureau. So on XX/XX/2021 I sent out a letter to them asking them to validate this account and to send me proof of the debt. I wanted them to send me proof that the debt was mine. However, in XX/XX/2021, they wrote a letter back stating, " there is no basis in law to substantiate your right to such information ... there is no duty to comply ''. I find this hard to believe since there are laws regarding this. I wrote to them again, however, I am submitting a complaint here because I do not want to be lied to by this company.
07/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 902XX	Web
I am submitting this complaint because I am being extremely affected by CALIFORNIA BUSINESS BUREAU INC, they are being completely unfair and I dont know how to g et ahold on them but through this portal. I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of m y life with all this situation. I want to give CALIFORNIA BUSINESS BUREAU INC. The chance to solve this matter before any legal action is taken. Account information : Acccount name : CALIFORNIA BUSINESS BUREAU INC Date Assigned : XX/XX/2016 Account Number : XXXX Original Balance : {$1700.00} Demand and remedy : Deletion account and waive the balance.
06/10/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92130	Web
XXXX XXXX in XXXX XXXX, CA wouldn't adjust my charges despite appeals that they were grossly over-stated. I ultimately paid the bills because the collection agency threatened my credit score if I didn't pay. The collection agency, California Business Bureau ( " CBB '' ), said that they would not make derogatory claims to the credit agencies if I paid the balance and any derogatory notices to the credit reporting agencies would be rescinded from my record. That still hasn't occurred and my credit score is suffering. They made 3 " Major Derogatory '' claims against my credit on XX/XX/21, XX/XX/21 and XX/XX/21 - all of which were excessive and have not be rescinded.
11/15/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CA 92101	Web
A portion of my medical bill was sent to the California Business Bureau and I reached out to the company to find around {$80.00} dollars in interest fees were charged to my account. I was seeking to have the policy and/or information containing the companies legal right to charge interest on a medical bill sent to me. The Vice President continued to tell me it was her legal right to charge interest. I again asked her to send the policy to me and she continued to talk over me and she appeared very angry that I was asking for what I believe to be my right. I do not feel I was adequately advised as to why I was being charged additional monies on my account.
01/20/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 92223	Web	Servicemember
I just downloaded the XXXX app to help increase my credit score and upon so noticed I had 2 {$100.00} bills submitted to collections from the Hospital. I never received the bills and was never notified it was going to collections. I contacted collections and asked if I could make payments because I can not afford to pay the full amount and was informed that could not and that there are interest charges to these medical bills. I would like to dispute both debts on my collections since I was informed that by XX/XX/2023 agencies are going to remove medical debts from collections when the bills are {$500.00} or less. Please advise on what I can do.
01/12/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 935XX	Web	Older American, Servicemember
on XX/XX/2021, I received a message from XXXX that the company California Business Bureau, address XXXX XXXX XXXX XXXX, XXXX, CA XXXX, phone number ( XXXX ) XXXX, made an installment Loan Inquiry, hard inquiry. I didn't consent or allowed this company to make a request and I didn't request or summit any request for any type of loan. I believe this company is using my information illegally to obtain my personal information. I had spoken to this company about a collection account that I was not aware of. This company later made an installment loan inquiry. I am concern that the above company will continue to violate my privacy.
05/21/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	CA 93725	Web
The California Business Bereau has took a negligent billing error by the hospital and ruins my life. I have proof I was under medical coverage during my time of care. For two days they XXXX me with XXXX and let me run out the street by myself XXXX XXXX. They then billed me directly instead of my insurance. Two weeks later my coverage was over. Even since the The CBB has taken this to court, harassed me at work, home, laughed at me when I said I was homeless with no job ... .Which is true ... And placed a levy on my bank account with less than 1000 to my name. I feel like they want o destroy me or no reason. I need help please.
08/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95131	Web
I received the feedback from california business bureau in and they said that I have to submit them a proof that I paid my bill at the XXXX XXXX and They said I need to submit a proof of that which is impossible because I already paid my bill at the XXXX XXXXXXXX 7 years ago. I don't know why the XXXX XXXX sent me a bill on XX/XX/XXXX claiming that I owe them on XXXX. I received another letter from california business bureau stating that I have a debt at XXXX XXXX and they are charging me a different amount. I already paid my bills at the XXXX XXXXXXXX 7 years ago, so the amount that they are charging me is not my debt.
02/22/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GU XXXXX	Web	Servicemember
Several times a month, they reported to XXXX that I did not pay this debt. They are ruining my credit score, and I never received a bill or an attempt to collect a debt. I think it is fraudulent. SEE BELOW the report to XXXX : CALIFORNIA BUSINESS BU has flagged your account as Collections. Potentially Negative Alerts notify you when one of your accounts has reported information that may negatively impact your credit score. Alert Date XX/XX/XXXX Source XXXX Company CALIFORNIA BUSINESS BU Payment Status Collections Status Date XX/XX/XXXX Balance {$390.00} Balance Date N/A Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
10/29/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 763XX	Web	Servicemember
I have repeatedly requested proof of this medical debt being mine but the address wasnt mine, I didnt have a child at that hospital, and I lived in a different state at the time the claimed services were provided. They wont send me any proof with an actual signature and I sent a copy of my lease at the time they claim I had services. I was also sent a full copy of the persons medical information which is a violation of HIPPA. They have multiple collections on my report and refuse to remove any of them and theyre charging interest on it so its hurting my score more and more. I have gone 3 or four rounds with these people.
09/16/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92708	Web
I have been receiving this bill of {$1600.00} for years now. I was a MINOR at the time these services were provided, they were not only PAID by my parents insurance but the merchandise was RETURNED to the medical facility because they were DEFECTIVE. The debt is incorrect and not mine. I am XXXX years old now and I should NOT have to be responsible for paying for a hearing aide that I RETURNED and that NEVER WORKED in the first place. We were not supposed to be billed once we returned the product. This is a FALSE charge. I have made several attempts to remove this from my credit/record and have gotten nowhere.
11/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91311	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. CALIFORNIA BUSINESS BU XXXX Balance {$1200.00}
04/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	CA 93305	Web
I have been fighting with California Business Bureau for some time now. There is a collection for XXXX XXXX XXXX XXXX. I call them to settle this on my credit report it shows {$540.00} then they tell me it {$900.00} ARE YOU KIDDING ME. Then am told that they will only deleted it if I paid in full. This is insane that the credit report said one thing then when you call it XXXX dollars more. I feel they are just tryin to get more money from me. I am willing to settle on the {$540.00} with a deletion since this is old and almost to the 7 years past stats. I do not feel that this is an unreasonable request.
05/17/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 91730	Web
In my credit report, it shows a collection amount of {$150.00} from this collection agency after it was transferred from XXXX XXXX XXXX Hospital. I have not received not one letter by the hospital or collection agency to collect the amount due or been told how to pay off this amount over the years. The agency is not returning my calls or answering any of my emails and the hospital has not been specific with what the charges are from. As well, the hospital said I owed {$200.00}, and referred me to another agency not listed as the collection agency on my credit report which is giving me different answers.
10/07/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90029	Web
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Continued reporting of this account is a violation of the HIPPA Privacy Rule. The XXXX XXXX XXXX has no business purpose to continue reporting my private health information. I tried contacting the XXXX XXXX XXXX to provide proof of their HIPPA clearance, the name of the bureau 's registered agent, and license information. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Please remove this immediately.
09/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91764	Web
I paid for emergency services in accordance to my copay with health insurance at the time of service. I was told I paid my full amount. I didnt even know about this debt with California Business Bureau which is a colllections agency for the hospital. Ive communicated with with on five difference occasions asking for proof I owe this money, and I am continually provided nothing. They give me nothing. If I owed {$1000.00} I wouldnt have done the service. XXXX XXXX excused the debts to me and said I dont owe it. XXXX has provided nothing, ever, to show me I owe this money.
07/15/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AZ 85203	Web	Servicemember
XXXX XXXX XXXX XXXX opened a collection with California Business Bureau on XX/XX/XXXX and they posted a collection on my credit report for {$470.00} on behalf of their client, XXXX XXXX XXXX XXXX. On XX/XX/XXXX I called the collection company to inquire about paying off the {$470.00} listed on my credit report and I was told by the representative, that the amount owed is {$700.00} ; that they don't include fees and interest. I have never received any written documentation from the original creditor that I owed the {$470.00} posted on my credit report.
01/11/2021	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA XXXXX	Web
After having no luck contacting me ( with a ridiculous number of phone calls at all hours ), the California Business Bureau contacted my mother in XX/XX/XXXX and harrassed her about my medical debt ... ..a debt that I have regularly been paying directly to the medical facilities in small installments. After being told they had reached the wrong person, the agency called my mother AGAIN on XX/XX/XXXX about my debt, and asked her to leave messages for me ... .which is a violation of the Fair Debt Collection Practices Act 15 U.S.C. 1692b ( 3 ).
09/26/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 93727	Web
i have lived alone at my address for 11 years as owner. over the last year receiving from XXXX XXXX XXXX-XXXX ca a bill for some unknown person. that info is XXXX XXXX XXXX for XXXX ( including interest ) the account is XXXX. I have returned mailings, called them and got hung up on and i have ignored the mailings. Now it has gone to collections ( california business bureau , inc ), i called and got scolded for opening someone else 's mail. She said she would notate the name difference. don't trust that that will end the situation. thank you.
10/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 920XX	Web
California Business Bureau Inc. XXXX XXXX XXXX XXXX, CA XXXX sent a letter dated XX/XX/2020 demanding payment for medical bills which were already paid and adjusted. We wrote then on XX/XX/2020 advising them of these facts in detail and and disputed the charges. We asked them to cease collection their activities and to obey Federal and California laws in this matter. Nevertheless, they went ahead and filed a negative credit report which has caused substantial financial damages. Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
12/07/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 92373	Web
California XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX ) has repeatedly flagged the same debt as a Collection on my credit report. XXXX times thus far ( XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX ) treating each as its own collection. After calling them to request a mail copy of the debt and calling to pay the debt ( {$260.00} per flagged records ) they stated there are actually XXXX ( XXXX ) collections ( XXXX from XXXX and XXXX from XXXX ) and will not honor the {$260.00} fee wanted {$290.00} for each.
04/27/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 92805	Web
California Business Bureau - {$570.00} this is for a medical debt when we lived in the XXXX CA area. We moved to XXXX in XXXX of XXXX and this collection is dated for after that ( XX/XX/XXXX ) so I believe the date had been moved forward. I have no record of owing this. FCRA Section 605 ( c ) makes it illegal for creditors, collection agencies, or credit bureaus to " Re-Age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer.
04/07/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 91739	Web
The company doing business as California Business Bureau is harassing me about paying a debt that is beyond the statute of limitations to collect a debt in California. The debt in question is more than 4 years old. They keep sending bills and I have sent multiple letters to dispute these accounts but to no avail. Please intervene so this harassment stops. Also some of the accounts are past 7 seven years old and should not be reporting in my credit reports any longer. This is causing me financial and mental stress.
08/15/2023	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	CA 95131	Web
I received another mail from california business bureau inc stating that that they are trying to collect the debt I owe at the XXXX XXXX XXXX the amounts are {$390.00} and the other amount is {$210.00}. They are making up those false charges. I don't know anything about it. Their number is ( XXXX ) XXXX. Last time they said that I owe {$130.00} and {$250.00} on the year 2017. They are making up false charges. They said that I already paid through XXXX and I asked them the number of XXXX and they hang up on me.
07/25/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 92054	Web
I received medical care from XXXX XXXX XXXX XX/XX/2018. I had XXXX insurance. They never billed me to my correct address and I never received any notice of a medical collection notice from California Business Bureau XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX for {$3000.00}. This has impacted my ability to get credit and my score by 80 points. I contacted XXXX XXXX and they took my insurance Information to bill but CBB has not been helpful in removing the remark or communicating with the medical center.
06/16/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92606	Web
1. I called XXXX to pay off debt that has not been validated to be mine 2. I paid {$1500.00} on XX/XX/XXXX 3. XXXX said they would remove all collections from XXXX 4. Weeks later, they were not removed but I have more collections on my report plus the old that should have been removed 5. XXXX pulled my credit report in the form of an " installment loan '' on XX/XX/XXXX XXXX. XXXX failed to provide me written validation of this medical debt, and no I wish to not validate it over the phone
06/05/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	TX 78704	Web
I dispute the validity of this entire debt. I am invoking Texas Finance Code 392.202 CORRECTION OF THIRD-PARTY DEBT COLLECTOR 'S OR CREDIT BUREAU 'S FILES. The XXXX is not bonded in Texas and is acting illegally. They will not send me proof of not being bonded in Texas so I can not send proof to the credit bureaus to remove these charges that I am not liable for. They also will not send me any proof that they have any sort of contract with the hospital that they say I had procedures at.
03/08/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92392	Web
XX/XX/2023 I certified sent email to the company, California business Bureau address, XXXX XXXX XXXX, XXXX via California stealing that the account was not mine receive a mail back. The stadium at the account was mine and the amounts was lowered but I looked on my credit report. All dates were in correct I asked the company because they told me it was verified to send a copy of my signature and the date that the account was open they could not provide me with that information
01/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90007	Web
I have wrote All 3 credit bureaus and they have yet to respond to my certified letters which is in violation of the FCRA. There is information that does not belong to me on my credit report, an they have shown negligence and are causing me financial distress. XXXX has a account that is listed twice that is not mines : 1. California business bureau- {$1500.00}. and 2 charge offs on all 3 credit bureaus that are not mines 2. XXXX XXXX- {$160.00}. 3. XXXX XXXX {$840.00}
02/19/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92831	Web
Ive been victim of identity theft for more than 3 years, because I lost my back pack that contained all my important documents. I filed a police report and I put a freeze in to my credit bureaus. there were 6 collections accounts under my name, I took out 2 accounts already but i still have 4 to go and one of them is this medical bill from XXXX XXXX XXXX XXXX of XXXX . Even though the person has my lost ID and social but Im sure he doesnt look like me in the picture.
05/24/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CA 90029	Web
I am filing a complaint against California Business Bureau, XXXX XXXX XXXX XXXX. XXXX, CA XXXX, phone : XXXX. After I have paid my balance with this agency back in 2014, I was promised verbally over the phone that they will remove the report on the XXXX major credit bureaus and that they will send me a deletion letter so I could follow up myself through. Up to this date, they have not mailed me the letter and they have refused to removed the record on my credit report.
08/15/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 93035	Web	Servicemember
CCB has placed a HARD inquiry on my Credit Report. I do not have any accounts with this company nor have I authorized them to run my credit and lower my score. I found this inquiry today on XX/XX/2019 on my birthday that this company had inserted itself on my credit. They have no permissible purpose in placing this hard inquiry. I am represented by an attorney do not call me communicate in writing only with my attorney. Furthermore I am retired combat disabled USMC.
08/20/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV XXXXX	Web
I have a recorded call today of them implicating their attorneys when I requested them cease communication via all mediums especially my consumer reports. XXXX was very disrespectful and certain their attorneys would handle this in court. Also said because I sent a certified affidavit and cease and desist pursuant to 15 USC 1692c ( c ) that they do not have to stop communicating the debt to me which it says in that law clearly that they do. XXXX XXXX XXXX XXXX
04/06/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 93551	Web
I was trying to pay a medical bill online in the amount of {$740.00} according to the amount on my XXXX credit report dated on XX/XX/19 and online it will not let me pay less than {$1000.00} I have requested contact from this company several times and they have refused to contact me so that I may pay close and close this account that have not taken any action to help me close this account, california business bureau will not let me pay this amount
03/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93551	Web
Someone used my information at a facility that I had no knowledge of, I filed a identity theft report with lapd and gave California business bureau the information they asked for which was a police report and their rejecting the report, tge Manerger also stated even if I gave her the proper documentation that she still wouldn't take the false collection off my report, I believe there's racism involved in this situation
08/18/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92407	Web
California Business BU will not validate a debt they 're claiming i owe. The report is showing a debt opened on XX/XX/XXXX for XXXX and then again on XX/XX/XXXX for XXXX for services rendered at XXXX XXXX XXXX XXXX. I sent out debt validation request initially in XX/XX/XXXX and followed up with a certified request again in XX/XX/XXXX, as this debt is n't correct or true. As of today, this debt has not been validated.
05/03/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 92544	Web
California Business Bureau , Inc sent a validation letter with the wrong amount due. On XXXX credit agency the debt states {$960.00}, but on the letter they tried to charge me {$1300.00}. Further more, The letter did not mention that I had 30-days to respond to it nor did it give me an end date to respond by. Additionally, the letter did not provide any actual proof that I was the debtor. I have attached the letter.
11/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92591	Web
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that XXXX Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CALIFORNIA BUSINESS BU. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
03/28/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92395	Web
I have constantly contacted this company for validation of this debt. I never received any documentation from them proving that this is mine. Ive never received correspondence from them either. Im not even sure how this ended up on my credit report without my knowledge of this in the first place. Also I do believe a medical file being sold to a collection agency is in violation of the hippa law.
07/19/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 91730	Web	Older American
I received a bill from a debt collector for a bill for XXXX XXXX XXXX hospital in the amount of {$100.00} and which had interest of {$15.00} added on from the debt collector CBB ( California Business Bureau Inc ). There is no bill due to XXXX XXXX Hospital because it was paid over 3yrs ago. CBB is threatening negative credit reporting if I don't pay them. I am not paying them money I don't owe.
01/16/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 94132	Web
California Business Bureau filed a collection record on my credit report. I called and provided my social number but they could not find my account have any outstanding balance. I receive a phone call next day from California Business Bureau stated that I have a hospital bill due back in XXXX which was paid back in XX/XX/XXXX. They did not verify the payment and affecting my credit.
06/06/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	CA 92404	Web
I received a call at XXXX. I am a remote employee and usually wouldn't answer my phone for personal business. the call had no caller ID at all. No phone number no name. I answered the call. The Collection Agency is California Business Bureau at XXXX Ext XXXX. The Agent 's name is XXXX. The call itself wasn't an issue but when I mentioned that there being no caller ID, she was aware.
09/25/2016	No	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 90012	Web
After Checking my Credit Report recently I noticed an owed amount of {$670.00} to the California Business Bureau, INC. collection agency. I called them and paid the amount in full. ( 1 ) it is still on my credit report. ( 2 ) I just received a new bill from them for an additional {$3400.00} - my credit report has no record of this debt / I feel they are making up a phantom charge.
02/24/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 91387	Web
This company continuously reports this account on my credit report without providing any documentation to back up this claim. They have only sent me an invoice. I have reached out to this company and the hospital and I haven't heard or received any documentation to prove that I owe this money. I've never went to this hospital and a claim was never filed with my insurance company.
12/09/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	CA 93036	Web
Not only is the debt collector calling me 2-3 times a day but they also called my BOYFRIEND trying to collect this debt and called him my spouse he gave them no information. They also have not mailed me anything that shows my debt or the explanation. They have called my boyfriend multiple times at his number of XXXX. They also call me every single day multiple times a day.
08/09/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90047	Web
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
07/07/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90015	Web
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
01/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	CA XXXXX	Web	Older American, Servicemember
My credit is getting dinged by a debt collector for services supposedly unpaid to a home health care company. I have asked both the debt collector and the home health care company to detail the supposed billings and the amounts already received and neither company has responded. In the meantime, my FICO score has declined 100 or more points.
03/12/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 935XX	Web
On around XX/XX/2020 California Business Bureau tried to collect a debt from me that was already taken care of by my employer for Workers Compensation. I tried to dispute this on several occasions but all communication on the phone has stopped and collections letters continue and now show as a negative report on my XXXX credit report.
06/26/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 920XX	Web
The last correspondence I sent this company on XX/XX/2016 pertained to a demand for validation for the referenced accounts. r They failed to provide me validation of the accounts and at the same time persevered with reporting them on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).
02/19/2019	Yes	Vehicle loan or lease Lease	Credit monitoring or identity theft protection services Didn't receive services that were advertised	CA 91744	Web
I was injured at work and I received a secretly check by the employer that I did not know about until now XX/XX/XXXX2018 how is it that know one know this and somebody working my social security.i didn't work much and somebody was working under my name somebody madea claim of child taxis, I have no child they taking away my benefits
08/31/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 92057	Web
A letter to validate debt was sent to collections agency and their response to verification request was a detailed document with private medical procedures, which violates HIPPA privacy law. I did not authorize collections agency to access my medical records or sign a HIPPA form. Medical records is not proof or validation of debt.
01/30/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 91945	Web
Account number XXXX in the amount of {$1500.00} I mailed a certified debt validation letter to California Business Bureau on XX/XX/XXXX that was written on XX/XX/XXXX regarding a debt that was reported on my credit report. The company has failed to validate that this debt is in fact mine. Please review the attached documentation.
08/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90016	Web
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
12/15/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 91977	Web
I had healthcare medical insurance which healthcare provider did not bill correctly for. I attempted to explain this to the credit agency and they were not understanding of the matter. Over the past month the collection agency " California Business Bureau '' has reported negatively to all XXXX major credit agencies.
03/10/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 90001	Web
Have written via experian and direct conversation that i do not owe anything for any of these services they refuse to remove it from my credit and have not provided me with an original contract or wet signature of why this debt is owed CALIFORNIA BUSINESS Contact XXXX XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX
12/07/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CA 92124	Web
I was covered under medical at the ti.e of service but it went to colections before i recived any bills. They never want to accept any payments except to split in thirds and that is nust not happeneing and theu file with multiple creditors who duplicaye the account u fairly.imoacting the credit score
04/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 926XX	Web
We were covered under medical insurance and the company indicated that they were not sending this account to collection. Under the Fair Credit Reporting Act, We never received any written, oral or email notification that this account was going to collection or would be reported to the credit bureau.
05/31/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92154	Web
California Business Bureau is claiming that I owe them more than {$500.00} for medical visits at at various hospitials. They are refusing to send me the original documentation that includes my information and patient information. I had insurance at the time of this incident so I should not owe them
07/20/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 92596	Web
CALIFORNIA BUSINESS BUREAU : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX Original Creditor is " Medical Payment Data '' I do not have any Medical Collections Accounts of any kind. This information is erroneous and it is being maliciously reported by California Business Bureau
01/13/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 92584	Web	Older American
company created an illegal hard inquiry on my Experian credit bureau, admitted no debt owed to agency, refuse to remove. illegally obtained my personal identity info from the agency 's client forcing me to pay for a debt I do not owe, to either the agency 's client or the agency
06/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92101	Web
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
05/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91710	Web
CALIFORNIA BUSINESS BUREAU ia attempting to collect a debt that I do not owe. The name on the bill is NOT ME I have repeatedly spoken to them concerning this fraudulent debt. CBB has also violated HIPPA laws in their feeble attempt to verify/validate a debt that is not mine
06/27/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 92374	Web
I have never used the hospital in question for any medical needs, this is an error. The Hospital listed is XXXX XXXX XXXX Hospital, Someone has billed me for this in error. There are XXXX neg reports from this Hospital, however I have never entered this medical facitly
06/26/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92571	Web
I owe nothing to this company and no debt is valid. Any debt they allege is fraudulent and without merit. They are unable to produce any signed document evidencing a valid debt on my part and i have advised them of this fact is because of fraudulent activity.
01/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92626	Web
I incurred a medical debt in an amount less than XXXX in XXXX ( which I have tried to resolve for XXXX years with no success. ) According to the CFPB 's XXXX 2022 analysis, this should no longer be reporting to my credit record, yet it still remains.
07/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 937XX	Web
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
10/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NV 89108	Web
My identity was stolen and used to open a fraudulent account XXXX {$10000.00} without my knowledge. This fraudulent account appears on my credit report and is having an adverse affect on my credit rating. I did not open this account.
08/26/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 92128	Web
The consumer finance bureau has picked up a debt that was originally held by XXXX XXXX who determined that this and another debt were paid by my insurance and the debt collections were unfounded. I was not a patient of XXXX by 2016.
03/07/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CA 92532	Web
Refused to accept my insurance claim. Refused to allow for payments. Continues to call outside of XXXX-XXXX business hours. Has kept multiple paid accounts on credit report stating they would not remove until paid account.
06/28/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90222	Web
Account # XXXX XXXX {$11000.00} Account # XXXX XXXX {$1300.00} Account # XXXX XXXX {$4300.00} Account # XXXX XXXX {$20000.00} Account # XXXX XXXX No action was taking by me I have no knowledge of these account.
09/20/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
This shows up on my credit report as a bad debt. I have known knowledge of it. Account name California business XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/2014 {$850.00}, XXXX XXXX XXXX XXXX XXXX, ca. XXXX
08/10/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 91304	Web
I have not supplied proof under the doctrine of estopper by silence, XXXX v XXXX ( mo ) XXXX XXXX XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
02/05/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92105	Web
I never gotten any bill saying i owe this debt. All my medical bills in pass were covered by Medi-cal. This debt appeared on my credit score from collection agency CA BUS BUR. And has been since 2012.
01/12/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 92544	Web
California Business Bureau reported on my credit report that I owe them XXXX dollars. I never received anything from them to even acknowledge the debt. Ive never had any dealings with the company
04/28/2017	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 930XX	Web
I do n't owe this amount it has date of XXXX opened for {$100.00} I was never notified that I owed any amounts I could have provided proof and dispute it they sent straight to collections
02/12/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 92064	Web
XXXX agreed to remove this debt from my record. This should never have been sent to collections in the first place. It was a case of overbilling. I have paid my XXXX bills in full to them.
07/07/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 91790	Web
California Business Bureau is reporting a collection account that it is not mine to the credit bureaus. I had XXXX XXXX XXXX contact them on my behalf and they have failed to respond back.
11/23/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA XXXXX	Web
XXXX XXXX XXXX acct XXXX a collector for XXXX XXXX. is attempted to collect a debt that was covered by insurance at time of service. the debt is an error on XXXX credit report
03/27/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 93010	Web
I did not receive a notice of right to dispute. I have attached the letter I sent to the company after seeing on my credit report. I still have not yet heard from the company.
04/10/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CA 90807	Web	Servicemember
I was never mailed a letter notification to the following XXXX XXXX collection bill of {$9100.00}. Debt is NOT mine, my VA insurance should have covered my medical expenses.
02/15/2017	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NJ 07701	Web
My doctors office is charging me for a lab report that I never got the results of. I called the office and asked for official written results of lab but they sent it to me.
07/16/2015	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	CA 93003	Web
This debt is subject to the Hospital Fair Pricing Act and request has been made for the same. Collection efforts thus violate XXXX Health and Safety Code Section XXXX.
08/04/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93552	Web
CBB Shouldn't have any of my Medical records It's a H.I.P.P.A. violation. I have no clue who they are and I have zero CONtract or obligation. This is Identity theft.
10/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	CA 92807	Web	Servicemember
I looked at my credit report and found that I have XXXX accounts in collections. I was never made aware of any debt nor do I know where this debt came from
03/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90813	Web
fraudulent collection reporting on my credit report dated XX/XX/2016 from California Business Bu Original creditor XXXX XXXX XXXX amount {$1400.00}
12/01/2015	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	CA 92154	Web
I keep being harassed by this company. They call my cell phone very late a night and they insult me and describe me as a " not a real man ''.
05/11/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92054	Web	Servicemember
Phone called the collection agency. I have a great payment history and debt isn't mine. {$59000.00}, {$3000.00}, {$580.00}. SS do not match.
03/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92606	Web
I observed some negative entries from Cal Business Bureau and they said that I owe this debt and is unable to verify that it is my debt
02/18/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 92102	Web
I have never once received a bill from XXXX XXXX XXXX XXXX XXXX. I was unaware of this bill and do n't believe that it is mine.
12/03/2020	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	CA 92804	Web
I do not know who this collector is trying to contact me on behalf of, they only make threats and do not provide information.
05/29/2019	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	CA 92585	Web
Date of incident : XX/XX/2019 Abusive language. Unfair interest added to original debt. Unwilling to accept a payment plan.
04/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92805	Web
Please provide a copy of my signature with the provider of service to release my medical information to you per HIPPA Law
01/04/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 92833	Web
Date opened XX/XX/XXXX Amount : {$6500.00} No action has been taken by company, I was not aware of this collection.
07/22/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA XXXXX	Web
I do not have the dates of alleged information and I was not given any breakdown of fees and treatments
08/16/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 92694	Web
Reporting debt that was never given guidance on insurance co-pay vs patient responsibility up front.
07/30/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 91350	Web	Servicemember
We received a summons for a medical debt but never received a phone call or any letters in the mail.
12/18/2020	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 91977	Web
The debt was supposed to be paid by health insurance and they later send it to a collection.
06/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91767	Web
Someone stole my identity and opened many accounts without my permission or authority.
06/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 93552	Web
I had medical insurance and was given to hospital at the time of services rendered
03/12/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92084	Web
Company did not validate debt as stated in the Fair credit reporting act.
06/10/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90003	Web
Do to my credit damage I cant get a house loan. 15 usc 1681
01/26/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	CA 91354	Web
This is not my account.
01/29/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92009	Phone

12/25/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 94544	Web

12/20/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 91387	Web

11/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93065	Web

10/26/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 92110	Web

09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91803	Web

08/15/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 94954	Web

08/07/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 91784	Web

07/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93534	Web

06/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 93536	Web

05/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AR 72758	Web

04/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91311	Web

04/11/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 92008	Web

03/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92509	Web

03/16/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 93036	Web

03/06/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 91730	Phone

03/04/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 89115	Web

03/01/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92557	Web

02/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91405	Web

01/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91304	Web

01/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94116	Web

12/20/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 93030	Web

12/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91723	Web

11/22/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	CA 93535	Web

11/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92563	Web

11/04/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92883	Web

10/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90805	Web

09/14/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 91784	Phone

08/31/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91344	Web

08/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92243	Web

08/16/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 94041	Web

08/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	CA 92563	Web

07/18/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92807	Web

06/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92122	Web

06/08/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 91350	Web

05/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA 92101	Web

04/14/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 91709	Phone

04/06/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91945	Web

03/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91344	Web

03/04/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 91762	Web

02/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA 91911	Web

01/14/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 93535	Web

01/02/2022	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 92553	Web	Servicemember

12/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 93535	Web

12/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 93550	Web

10/18/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90028	Web

10/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 92596	Web

10/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90503	Web

10/03/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30157	Web

09/30/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 95117	Web

09/27/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 91901	Referral

09/14/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 92336	Web

09/07/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

08/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 79912	Web

08/28/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92124	Web

08/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 38115	Phone	Older American

06/30/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 90302	Web

06/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90032	Web

06/09/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

06/07/2021	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	CA 91708	Web

06/04/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 631XX	Web

05/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92056	Web

05/24/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90302	Web

05/19/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 92374	Web

05/18/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 92374	Web

05/06/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

05/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92084	Web

04/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92801	Web

03/31/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 91711	Web

03/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92027	Web

03/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10016	Web

03/10/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 91711	Web

03/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92728	Web

02/03/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 91335	Web

01/12/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 93543	Phone	Servicemember

01/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92116	Web

12/21/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 91702	Web	Servicemember

12/10/2020	No	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	CA 91977	Web

11/09/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92543	Web

11/07/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 95128	Web

11/06/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 93550	Web

10/13/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 35806	Web

08/31/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 37027	Web

08/14/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 91356	Phone

07/03/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 91387	Web

06/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91356	Web

03/27/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 91601	Web

03/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92571	Postal mail

02/01/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90062	Web

01/29/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	HI 96712	Web

01/16/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 92617	Web

01/07/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt		Phone	Servicemember

12/25/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92617	Web

08/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92198	Web

08/05/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 91754	Web

07/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92067	Web

04/22/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 92110	Web

03/14/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92821	Web

03/13/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 78640	Web	Servicemember

03/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91355	Web

03/07/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 93010	Web

01/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92104	Web

01/03/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 92014	Phone	Older American

08/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90303	Postal mail

08/21/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged		Phone

04/11/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 92120	Web

04/09/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 90249	Postal mail

04/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 94589	Web

04/02/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 92120	Web

03/28/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 94551	Phone

02/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90003	Web	Servicemember

01/24/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 90056	Phone

01/11/2018	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	CA XXXXX	Web

12/30/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 10305	Web

10/20/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 90062	Web

10/03/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 90062	Web

09/22/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 92111	Web

06/04/2017	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 94806	Web

05/11/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 92249	Web	Servicemember

04/21/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30318	Postal mail

03/20/2017	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 93041	Web	Older American

03/07/2017	No	Debt collection Medical	Taking/threatening an illegal action Attempted to/Collected exempt funds	CA 91024	Web

02/12/2017	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 92805	Web

02/02/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 90015	Web

01/27/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 92051	Phone

12/20/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 92129	Web

12/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 90036	Web

12/14/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 90037	Web

11/25/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 92117	Web

11/15/2016	No	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CA 92130	Web

11/11/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CA 92701	Web

11/11/2016	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 94542	Web

11/03/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 90028	Web

11/01/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NV 89131	Web

09/19/2016	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	CA 91706	Web

09/15/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 91739	Web

09/13/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 92505	Web

08/29/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 91791	Web

08/22/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 90038	Phone

08/04/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NV 89031	Web

07/26/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CA 92111	Web

07/13/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11354	Web

05/26/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 91755	Web

05/20/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TN 38119	Phone	Older American

05/19/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 90046	Phone

04/28/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OH 44512	Phone

03/17/2016	Yes	Credit reporting	Credit reporting company's investigation Inadequate help over the phone	CA 92139	Web	Older American

02/17/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 92172	Referral

01/22/2016	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	OR 97233	Web

01/13/2016	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 92707	Web

12/30/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 92806	Web

12/15/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 92345	Web

12/10/2015	No	Debt collection Medical	False statements or representation Attempted to collect wrong amount	TX 78227	Fax	Servicemember

12/01/2015	No	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	CA 90740	Web

11/24/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 92108	Web

11/21/2015	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	CA 91106	Web

11/20/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 92885	Web

11/17/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92138	Web

11/09/2015	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	CA 92583	Phone

11/09/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 90015	Fax

10/28/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 93543	Phone	Older American, Servicemember

09/18/2015	No	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	CA 92037	Web

09/03/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 92009	Web

08/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	CA 93433	Web

08/26/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 92127	Web

07/28/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CA 92037	Web	Older American, Servicemember

07/10/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	SC 29575	Web

07/07/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 93004	Phone	Older American

06/26/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 77573	Phone	Servicemember

06/05/2015	Yes	Debt collection Medical	Improper contact or sharing of info Contacted employer after asked not to	CA 90036	Web

06/03/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	CA 92879	Fax

05/22/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CA 92805	Web

05/19/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 92392	Web

05/13/2015	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	CA 92407	Phone

04/14/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 92024	Web

03/17/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 92019	Web

03/03/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 93560	Web

03/03/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 92392	Web

02/19/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 93023	Web

02/04/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 92563	Web

01/29/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 91915	Web

01/28/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	CA 92803	Phone	Older American

01/21/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 92114	Web

01/20/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	CA 91352	Web

01/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 90605	Fax

01/06/2015	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	CA 90023	Web

12/26/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TN 37174	Web

12/26/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	CA 92336	Web

11/13/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CA 92101	Web

11/04/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 92126	Web

10/27/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 92544	Web

10/16/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 92115	Web

08/18/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CA 90249	Web

08/17/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CA 92104	Web

08/05/2014	Yes	Debt collection Medical	Improper contact or sharing of info Contacted employer after asked not to	CA 90016	Web

07/30/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 90740	Web	Older American

07/29/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 92562	Web

07/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CA 92591	Web

07/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	CA 92591	Web

07/14/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	CA 93722	Postal mail

07/08/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 92114	Web

06/16/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 92037	Web

06/13/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 92887	Web

06/13/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 91773	Web

06/03/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 94110	Referral

05/01/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NV 89052	Web	Servicemember

04/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 90740	Web	Older American

04/23/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 92802	Web

04/07/2014	Yes	Debt collection Medical	False statements or representation Impersonated an attorney or official	CA 91381	Web

04/02/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 92879	Web

04/01/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 92122	Web

03/17/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	HI 96727	Web

03/11/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	HI 96727	Web

03/08/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	CA 94551	Postal mail

02/17/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 92868	Web

02/04/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 91308	Web

01/30/2014	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	CA 92071	Web

01/10/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CA 91786	Phone

01/09/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CA 92660	Phone

01/03/2014	Yes	Debt collection Medical	Taking/threatening an illegal action Seized/Attempted to seize property	CA 91730	Web

12/22/2013	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 90680	Web	Older American

12/20/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92163	Web

12/02/2013	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	CA 92130	Web

10/29/2013	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	TX 75087	Web

09/20/2013	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 92009	Web

09/17/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	CA 92129	Web