Capio Partners, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
08/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	IL 600XX	Web
Capio Partners continues to report a collection account that is not valid. Under UCC 3-203 although a contract is transferred to a third party it does not give them a right to collect. 3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. ( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. ( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. ( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards. ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award. ( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable. ( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title. ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title. ( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report. ( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title. ( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( XXXX ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( XXXX ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding. ( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought. ( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank. ( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. XXXX or successor orders. ( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised. ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing. ( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity. ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. ( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. ( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph. ( 3 ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system. ( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency. ( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after XX/XX/XXXX, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ). ( B ) Establishment and maintenance as compliance Establishment and maintenance of a notification system ( including a toll-free telephone number ) and publication by a consumer reporting agency on the agencys own behalf and on behalf of any of its affiliates in accordance with this paragraph is deemed to be compliance with this paragraph by each of those affiliates. ( 6 ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies. ( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. ( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report ; ( B ) if furnished for employment purposes or in connection with a credit transaction ( i ) the information to be furnished is relevant to process or effect the employment or credit transaction ; and ( ii ) the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished ; or ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title. ( 2 ) Limitation on creditors Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) pertaining to a consumer in connection with any determination of the consumers eligibility, or continued eligibility, for credit. ( 3 ) Actions authorized by Federal law, insurance activities and regulatory determinations Section 1681a ( d ) ( 3 ) of this title shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed ( A ) in connection with the business of insurance or annuities, including the activities described in section 18B of the model Privacy of Consumer Financial and Health Information Regulation issued by the National Association of Insurance Commissioners ( as in effect on January 1, 2003 ) ; ( B ) for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title ; or ( C ) as otherwise determined to be necessary and appropriate, by regulation or order, by the Bureau or the applicable State insurance authority ( with respect to any person engaged in providing insurance or annuities ). ( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order. ( 5 ) Regulations and effective date for paragraph ( 2 ) ( A ) [ 2 ] Regulations required The Bureau may, after notice and opportunity for comment, prescribe regulations that permit transactions under paragraph ( 2 ) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs ( and which shall include permitting actions necessary for administrative verification purposes ), consistent with the intent of paragraph ( 2 ) to restrict the use of medical information for inappropriate purposes. ( 6 ) Coordination with other laws No provision of this subsection shall be construed as altering, affecting, or superseding the applicability of any other provision of Federal law relating to medical confidentiality.
09/04/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 18201	Web
This company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt and reporting it to consumer reporting agencies. The following are the federal laws that they broke. 3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. ( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. ( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. ( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee 1006.34 Notice for validation of debts. ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information. ( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ). ( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information. ( ii ) The consumer 's name and mailing address. ( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. ( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. ( v ) The name of the creditor to whom the debt currently is owed. ( vi ) The itemization date. ( vii ) The amount of the debt on the itemization date. ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. ( ix ) The current amount of the debt. 1006.14 Harassing, oppressive, or abusive conduct. ( a ) In general. A debt collector must not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( h ) of this section. ( b ) Repeated or continuous telephone calls or telephone conversations ( 1 ) In general. In connection with the collection of a debt, a debt collector must not place telephone calls or engage any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 1006.18 False, deceptive, or misleading representations or means. ( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section. ( b ) False, deceptive, or misleading representations. ( 1 ) A debt collector must not falsely represent or imply that : ( i ) The debt collector is vouched for, bonded by, or affiliated with the United States or any State, including through the use of any badge, uniform, or facsimile thereof. ( ii ) The debt collector operates or is employed by a consumer reporting agency, as defined by section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ). ( iii ) Any individual is an attorney or that any communication is from an attorney. ( iv ) The consumer committed any crime or other conduct in order to disgrace the consumer. ( v ) A sale, referral, or other transfer of any interest in a debt causes or will cause the consumer to : ( A ) Lose any claim or defense to payment of the debt ; or ( B ) Become subject to any practice prohibited by this part. ( vi ) Accounts have been turned over to innocent purchasers for value. ( vii ) Documents are legal process. ( viii ) Documents are not legal process forms or do not require action by the consumer. ( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt. ( ii ) Any services rendered, or compensation that may be lawfully received, by any debt collector for the collection of a debt. 1006.22 Unfair or unconscionable means. ( a ) In general. A debt collector must not use unfair or unconscionable means to collect or attempt to collect any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( f ) of this section. ( b ) Collection of unauthorized amounts. A debt collector must not collect any amount unless such amount is expressly authorized by the agreement creating the debt or permitted by law. For purposes of this paragraph, the term any amount includes any interest, fee, charge, or expense incidental to the principal obligation. 1006.30 Other prohibited practices. ( a ) Required actions prior to furnishing information ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ), information about a debt before the debt collector : ( i ) Speaks to the consumer about the debt in person or by telephone ; or ( ii ) Places a letter in the mail or sends an electronic message to the consumer about the debt and waits a reasonable period of time to receive a notice of undeliverability. During the reasonable period, the debt collector must permit receipt of, and monitor for, notifications of undeliverability from communications providers. If the debt collector receives such a notification during the reasonable period, the debt collector must not furnish information about the debt to a consumer reporting agency until the debt collector otherwise satisfies this paragraph ( a ) ( 1 ). 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 5 U.S. Code 552a - Records maintained on individuals
02/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33063	Web
RE XXXX 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 METRO 2 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 The Better Business Bureau, 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. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. ASSETCARE LLC bal. {$870.00} 2.ASSETCARE LLC balXXXX {$240.00} 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 Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
03/02/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33063	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 METRO 2 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 , 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 The 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. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. ASSETCARE LLC bal. {$870.00} 2. ASSETCARE LLC bal. {$240.00} 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 Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
04/06/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33311	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 METRO 2 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. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. CAPIO PARTNERS bal. {$940.00} 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 Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
03/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33064	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 METRO 2 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 The 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. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. ASSETCARE LLC bal. {$1100.00} 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 Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : XXXX- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
03/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33068	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 METRO 2 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 , 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 The 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. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. XXXX XXXX bal. {$3300.00} 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 Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
12/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NY 12550	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 The 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 XXXX12 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. ASSETCARE LLC & BAL. {$490.00} 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 Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
06/27/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32246	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF & MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, XXXX Edition, XXXX, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days. A copy of this letter as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted. ACCOUNT : CAPIO PARTNERS ( which is spelled incorrect on my credit report CAPIO PARNTERS ) AMOUNT : {$520.00} After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you for account # capio partners. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Sincerely, XXXX XXXX
11/08/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	VA 23602	Web
I know my rights as a consumer and will not be taken advantage of so here, this is about Account # XXXX. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : XXXX ) An explanation of what this alleged account balance is for. 2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 4 ) The Agreement that grants you authority to collect on this alleged debt. 5 ) A copy of your state license, including license number that give you rights to collect in my state. 6. ( The purchase agreement ) 7. ( Swear under penalty of perjury you were present during the alleged debt ) Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Also you have commited the following FDCPA Violations : 15 U.S. Code? 1692d-Harassment and abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. You harming my reputation which is a violation. 15 U.S. Code? 1692e-False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. This debt is reporting falsely. 15 U.S. Code? 1692f-Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. You used symbols on envelopes which violated the law. 15 U.S. Code? 1692g-Validation of debts ( a ) Notice of debt ; contentsWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 2 ) the name of the creditor to whom the debt is owed ; I am the creditor under 15 u.s code 1692a so the debt is owed to me. 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of this alleged debt. Under 15 U.S. Code 1692k - Civil liability I Demand XXXX dollars for each violation as you have caused severe damage to my character. ( a ) Amount of damagesExcept as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. Stop contacting me about this or any other matter you have. cease and desist ASAP and delete this account from my credit reports, except to provide me with accurate validation of this debt by U.S. mail only. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or i will seek litigation for Monetary damages along with the violations you already committed. Sincerely,
09/05/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 329XX	Web	Servicemember
This is a request as authorized by the FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] This request is regarding the account listed below XXXX and Capio This account has previously been reported on my credit file and was subsequently deleted after the item was disputed and could not be verified. On XXXX XXXX. I requested a copy of my credit report under my rights through the FACTA act. This item was not contained in my credit file on that date. On XXXX XXXX, after being denied credit for a home student based upon negative information being reported through XXXX and XXXX. I requested a second copy of my credit report under my rights to review my credit report after denial of credit. The account in question suddenly reappeared on the report dated XX/XX/2021. I immediately completed an online dispute for this account. In response to this dispute you sent me a letter dated XX/XX/2021 ( with confirmation number XXXX ). In this letter it stated that my investigation was completed and that you verified that this item belongs to me. I have two problems with the way reporting on this account has been handled by XXXX. First, according to my XX/XX/XXXX credit report, this item was reported in XXXX. Even giving you a very generous assumption that this item was reported to you on XX/XX/2021. I find it very difficult to believe that " additional information regarding this item '' sufficient enough to prove this is my account could have been provided to you by XX/XX/XXXX, only one day after the account was re-reported to you. Furthermore, I find it very odd that you're letter " verifying this account '' predates my dispute of this account. Additionally, you are in violation of FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] for your failure to notify me in a timely manner of this tradeline being reinserted into my credit file. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions as follows : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( : blink : ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. ( ii ) If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data. Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please furnish me with a full description of the procedures used to determine the accuracy of the information. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( ( iii ) by not later than 15 days after receiving a request from the consumer for that description. In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days
01/30/2018	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	OH 45239	Web
RE : Capio Partners , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX www.capiopartners.com XXXX XXXX XXXX XXXX contacted me by phone around XXXX EST on XX/XX/XXXX. The firm used an auto-dialer that hung up the call within seconds of me picking up and saying, hello? hello? This is a violation of the TCPA which states, in pertinent part, that debt collectors must have either prior written or oral consent if auto-dialer COLLECTION calls are made to a consumers wireless number pursuant to 47 C.F.R. 64.1200 ( a ) ( 1 ). Then, when I called the number back, a representative answered XXXX XXXX implying that I was calling a law firm. I spoke with a debt collector for nearly 15 minutes who informed me of an alleged medical debt from 6 years agooffering absolutely no validation, evidence r assistance when I explained I was covered by insurance at that time. After several futile attempts to converse intelligently with her, when she was finally asked if this was a law firm and if legal action was being taken -- she stated they arent a law firm. She was asked why they are using a name that seems like a law firm with the intentional choice of partners and she stated they arent attorneys and they have no licensed attorneys in my state ( Ohio ) or where they operate ( in Texas ). This is in direct violation of 15 U.S. Code 1692e ( 3 ) which states in pertinent part : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. The entire course of the conversation the debt collector never said This is an attempt to collect a debt and we are not a law firm. Yet it continued to use its attorney name XXXX XXXX. Instead, the use of name XXXX XXXX was executed several times. The word partners is almost always utilized to describe law firmsno other business is recognized with the term Partners behind it other than attorneys. This violation was recently addressed by the CFPB when it fined XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXXXXXX of XXXX, XXXX, and their president, XXXX XXXX XXXX, XXXX, {$570000.00} in relief to harmed consumers for falsely representing the status of a debt and implying debts were with a law firm for litigation review when in fact, they were not. Misrepresenting that a lawyer is involved in a debt collection action gives the collection a false weight, said CFPB Director XXXX XXXX. Just a few months later in XX/XX/XXXX, the CFPB went after an Ohio collection firm for the very same thing. According to the CFPB, the firm of XXXX XXXX XXXX XXXX XXXX falsely represented in millions of collection letters sent to consumers that attorneys were involved in collecting the debt. Debt collectors who misrepresent that a lawyer was involved in reviewing a consumers account are implying a level of authority and professional judgment that is just not true, CFPB Director XXXX XXXX said in statement. Finally, the representative refused to adhere to its obligation to investigate a dispute stating, It ( the dispute ) wont make this go away even though I provided ample information for her to validate that the debt was covered under my insurance. Her response was that they purchased the debt, they arent allowed to file claims and its too late, anyway. As if that impacts my responsibility to pay a false debt. This is a direct violation of 15 U.S. Code 1692g which states If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment.. Instead, she perpetuated the violation by continuing to demand payment. Capio Partners is no stranger to this behavior, they are currently involved in a proposed class action lawsuit for the very same violations of FDCPA and TCPA. XXXX XXXX XXXX I would like this firm to immediately close this account and not resell it to anyone. I would like the balance written off as it is not valid and was covered by insurance SIX years ago. If my credit report was affected, I would like them to immediately delete any reports. I would like the firm investigated by the CFPB for impersonating a law firm with the use of its name and intentional misrepresentation of its firm type, its willful violations of the FDCPA and TCPA. Sincerely, XXXX XXXX
03/29/2022	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted your employer	OH 45013	Web
My complaint is about the Capio XXXX, who are collecting on behalf of XXXX XXXX XXXX for a XXXX XXXX that I had back on XX/XX/XXXX. I have an outstanding balance that has apparently been forwarded to Capio Partners to collect on. I do not dispute that I owe for this bill but like everyone else I pay what I can when I can. The first call I received and responded to was on or around XX/XX/XXXX, at roughly XXXX P.M after they tried to reach me both on my cell and work line. I did not get this representatives name but, I set up a payment arrangement with her to start the following week on XX/XX/XXXX on my payday and provided details to have this automatically taken once a month until it is settled. I also spoke with her regarding the fact that they call non-stop and had recently started calling my employer and that I CAN NOT have these types of calls at my place of employment and that I would like to have those calls to my job ceased. She stated she would remove my work number and did attempt to verify my work number with me to remove me from the list and as previously stated put me on the list to have an automatic payment deducted on the XXXX of each month. Even after setting up payment arrangements to have this issue taken care of AND ASKING TO HAVE THE WORK CALLS STOPPED and explaining this could cause me an issue the calls continued to come in on both personal line and work lines and have been documented on both. Attempting to be the bigger person and give the company the benefit of the doubt I called to discuss the issue further and got a Representative by the name of XXXX. XXXX, went through verifying my information and then going through with me while I told him my complaint and issues. He proceeded to argue with me about every point I was validly making including that my automatic payment was even ever set up or the fact that they were calling me at work about the matter. Becoming more and more irritated with this issue as I'm calling from work where I am not supposed to be discussing personal business and conducting these issues, and where I work to try to make and maintain payments to all my debtors I asked to speak to his supervisor at which point he handed my call over to XXXX. XXXX stated she was sorry about XXXX confusion that she did see where my auto pay was set in place and we the proceeded to discuss why I would still be receiving calls if that was the case and better yet why after I specifically asked multiple times now to have my work number removed and not used as a means of reaching me they are continuing to do this. She apologized and said she had placed a cease to contact and removed my work number out of the system. I did make her aware how increasing annoyed with the situation I was becoming and that if it continued I would be filing a complaint on the company and that I would not be happy if it continued. To my total shock after thinking this matter was handled and cleared up and after not hearing from them for a couple days I got another call on my work line and that was the final straw. I have asked several times in a decent way to have them stop pushing the issue on me while I am trying to conduct business at my work place. I have also tried to set up and make arrangements to have this issue settled the best way I can right now and that still hasn't been enough. Capio Partners continues to harass me about the issues an I am not overwhelmed and irritated with the issue and reporting them as I stated I would for continued harassment on 1 bill. AND AS I WRITE THIS THEY LITERALLY JUST CALLED MY WORK XXXX.!!!!! I AM BEYOND ANGRY AT THIS POINT AND I HAVE DOCUMENTATION TO PROVE ALL CALLS and I will be providing it. Included is a snap of my works phone line of calls that come in, to include only Capio Partners, their call times and number information. Also you can see in the picture its my work computer with our XXXX XXXX XXXX system symbol in the one corner and my ext and name provided in the other corner. I want this handled and I want this reported. I am ready to pull any and all information I have with them including my financial institutions information. I DO NOT WANT TO HEAR FROM THEM REGARDING THIS MATTER AGAIN. What needs to be done to be left alone and not bothered by this company any further???? Please help me to get this matter resolved QUICKLY! This isn't right, and its over a relatively small issue, in the big picture of what it could be.
04/25/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 334XX	Web
I am reporting a potentially fraudulent credit collection and reporting issue. Recently, I was advised by XXXX XXXX that Capio Partners posted a collection account on my XXXX report. The information provided by XXXX XXXX was that it was for {$360.00} for XXXX XXXX XXXX. I have no knowledge of XXXX XXXX XXXX and I have not had any recent medical treatment that would have required the services of a XXXX. I tried to dispute the charge through XXXX XXXX but was advised that it was unable to process disputes due to the COVID-19 situation. I contacted Capio Partners ( XXXX ) and spoke to an individual named XXXX ( or perhaps XXXX ). She did advise that it was for medical services purportedly provided on XX/XX/XXXX or XXXX, 2016 ; four years ago. I advised her that I was not familiar with XXXX XXXX XXXX and attempted to obtain additional information from her to determine whether this was a legitimate charge. She would not provide any additional information and stated that she did not have any additional information, but repeatedly demanded to know how I wanted to take care of this charge. When I asked additional questions trying to determine the basis of the underlying charge and for other basic information, she became rude and combative and ultimately hung up on me. In XX/XX/2016, XXXX was my medical insurance provider. I contacted XXXX ( XXXX ) and spoke with an individual named XXXX ( I.D . No. XXXX ). I asked her if she could look up my account and determine whether XXXX XXXX XXXX submitted a bill for services purportedly performed on XX/XX/XXXX or XXXX, 2016. She looked up my account and specifically focused on the treatment that I did receive on XX/XX/XXXX and XXXX, 2016. She went through the bills that had been submitted and that XXXX had paid either fully or partially, and provided information as to the doctors that had submitted billings. She informed me that she had no record of any billings submitted by XXXX XXXX XXXX or from anyone in the amount of {$360.00}. She put me on hold and attempted to contact XXXX XXXX XXXX to obtain additional information about the charge. Ultimately, she informed me that she was unable to actually speak with anyone but did leave several messages for call backs, and that she would contact me once she was able to obtain any additional information. I was given a reference number of XXXX. To date, I have not received a call back from XXXX or anyone else from XXXX. I have numerous concerns about the validity of this charge that suggest that it is fraudulent and/or part of fraudulent scheme. First, it was posted to my credit report almost four ( 4 ) years after the services were allegedly provided. This seems odd. Also, in XX/XX/2016, I did receive medical treatment and observation for questionable XXXX test that I received at a XXXX XXXX I was sent to XXXX Hospital in XXXX, Florida and the emergency doctor was concerned with the results of the test and wanted to keep me overnight for observation until a XXXX could review the XXXX results. In the morning, the XXXX reviewed the XXXX result and was satisfied that nothing was wrong, and I was discharged subject to authorization from an XXXX. I waited for the XXXX in the hospital room ; I did not receive any additional testing or other medical procedures or treatment. I was ultimately discharged without any additional testing or medical procedures. The point is, I was in the hospital for a XXXX issue, which the emergency room doctor and XXXX both reviewed. Why would there be any need for a XXXX to perform any services or treatment for my suspected XXXX issue? Finally, as noted above, I contacted XXXX and the individual assisting was able to access my account and review the billing information for the XX/XX/2016 incident. She informed me that XXXX had not received any bills from XXXX XXXX XXXX or from anyone for {$360.00}. If this was a legitimate charge for services actually performed, why would the service provider or individual doctor not submit a bill to XXXX, my insurance provider, for payment? So, my complaint is against both Capio Partners and XXXX XXXX XXXX. I have a derogatory remark on my credit report. I have not been able to obtain any additional information to evaluate the validity or basis of the reported charge, and the reported charge is highly suspicious and appears to be potentially fraudulent. Please let me know if you need any additional information.
01/02/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 324XX	Web	Servicemember
Between XX/XX/2016 to XX/XX/2016, I was referred to XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX by XXXX, the company that handles the VA 's Veterans Choice program. The appointment was made for me by XXXX and I followed directions and showed up for my scheduled appointments. Whether it was due to the construction of the office going on at the time or a simple mistake, my claim was sent to XXXX underneath my Social Security number as I did NOT have my patients choice ID with me at the time and was told that my Social Security number was fine. It would have been except that the facility, XXXX XXXX, billed XXXX ( healthcare provider for XXXX XXXX, XXXX and dependants, ) who sent a denial statement that the treatments were not going to be covered for " the veteran '' underneath my Social Security number. This is because I am NOT enrolled in XXXX to begin with. XXXX sent both XXXX XXXX and myself a denial notice around a month after the first visit. XXXX 's notice does not contain the information that my claim was denied because I was not enrolled in XXXX, it simply states that the coverage for the treatment has been denied. I went personally to the XXXX XXXX office and explained that it needed to be billed to XXXX. I was told by the receptionist ( I did not get a name ) that she understood and I assumed that it would be corrected. After I began receiving notices that I owed a debt that my " insurer '' would not pay, I finally went to the off premises billing office who then attempted to send the bill correctly. However, because the XXXX account had not been posted to, the authorization had been sent back to the VA as if I had never shown up for my appointment. Because they billed XXXX, Patients choice, ( aka XXXX, ) thought that I was a no-show. When they finally sent the bill to the correct entity, XXXX 's authorization had been closed, giving another denial to XXXX XXXX. I have been to the billing department at XXXX XXXX multiple times, I took them the original authorization code and then later I took them a physical copy of the authorization which they have. They refused to do more then send a bill in order to square away the problem, which with no explanation or supervision was of course denied. The computers that handle claims seem to have only a yes, or a no answer. Since then I have been back to XXXX XXXX where the billing department can not find a copy of the original denial ( that was from XXXX, ) and when I took them the authorization number from XXXX ( the correct insurance ) it updated in their system and no longer shows anything except refusals and who my insurance currently is marked in their system. The billing department of XXXX XXXX first sent my " debt '' to their in house debt department, an entity called " XXXX, '' who refused to work with me and contact XXXX in person. XXXX ( part of XXXX XXXX XXXX XXXX ) has since sold the debt to XXXX XXXX. XXXX XXXX is refusing to contact XXXX, instead asking me to pay out of pocket a reduced amount and seek reimbursement. XXXX XXXX XXXX Medical Center either refuses to acknowledge their mistake or can not see the original billing in their system and has little interest in doing so, they have sold the debt and written it off. I can not find a way to have an investigator from XXXX XXXX XXXX Medical Center, Capio Partners or XXXX to get on the same page. If XXXX XXXX would contact XXXX and submit the bill again, there has been an amended authorization since XXXX opened up for billing. But if they do not get this taken care of in a timely manner then the authorization will again expire. I am being victimized by a Hospital that has sold a debt that was not payed due to their error and taken a right off, and I am being victimized by a debt collection agency that has no interest in correcting a mistake that is not theirs. This goes against everything that the Patients Choice program was created for and it is now on my credit report. I had plans to get married, buy some property and move to Tennessee after I finish college underneath the Veterans Affairs Vocational Rehabilitation program ; this debt that is not mine and was not my mistake has caused me to have to delay my future plans, potentially in a permanent manner and I hope that you can assist me with getting this corrected.
08/25/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 335XX	Web
Original creditor : XXXX XXXX Hospital XXXX XXXX, FL Amount of bill : {$2200.00} Date of occurrence : XX/XX/19 Collection agency : AssetCare Credit Bureaus : XXXX, XXXX, XXXX. Complaint : This collector ( Assetcare ) added this collection to my credit report without ever making any prior contact. I called them on Monday XX/XX/19 after it just showed up on my credit report ( Saturday - XX/XX/19 ) without my ever knowing it even existed, I was not ever given a phone call or anything in writing. When I did contact this company after the collection just appeared on my credit reports the representative I spoke to told me I would receive a letter by Thursday XX/XX/19 which I didnt receive and I then called them about it again on Friday XX/XX/19 and they finally did send me the letter which I am now sending to you that would show they never made any contact with me and that they would be removing ( deleting ) from my credit reports for this reason. ( It is still on my credit reports at this time ) This company has violated the fair debt collections act ( 809, validations of debt law ) by not contacting me by phone or in writing prior to placing it on my credit reports to give me time to dispute or pay this debt, this law plainly states the collection agency has 5 days after they acquire the debt to make contact with me at which time they must then send a written notice per usps mail to me and then I have 30 days from that point to respond to the letter the collector sends me to either dispute or pay the debt, but since this did not happen they have broken the law. I hope you can help me with this and hopefully it will be removed from my credit reports as I had no idea I owed this or that it was in collections. This collector also stated that they themselves would also be sending each credit bureau a copy of this letter admitting they did not ever contact me prior to placing the collection with the credit bureaus so as to remove the collection from my credit reports. For the record I have been paying all the medical bills I can locate and that I know are mine this one somehow slipped through the cracks, but once I knew about it and was able to contact the original creditor I immediately paid it but my issue with AssetCare is that they never made contact to attempt to collect this bill before they placed it on my credit reports therefore not giving me any chance to check that it was mine or pay the bill if it was mine before they just added it to my credit reports. I can not pay a bill I do not know exist. I have no issues paying something if I owe it and I did pay this bill as soon as I knew about it as I do all my bills I am really upset about this because I try very hard to do things the right way and this company does not do things fairly. I am not the only person they have done this to there are a lot of others complaining about this collection agency doing this exact thing to them and I feel its a tactic they use to get the bill paid then just send this type of letter asking the credit agencies to delete the collection from the persons report when in all fairness they should have contacted the individual as the law allows and given them the chance to respond or pay the debt not just placed it on their credit reports because if a person cares about their credit and a bill collector contacts them 9/10 times it will get paid almost immediately so I just do not see where this was right at all, I had absolutely no idea this existed prior to it showing up on my credit reports. If they had done this the right way and contacted me I would have contacted them contacted the original creditor made sure it was mine and paid this bill which would have stopped it from ever being placed on my credit reports but without any knowledge it existed or that I have a bill out there I may owe, I never got this option. I am in hopes that you can help me rectify this and maybe stop this collector from using this very unethical tactic. This should not have ever happened, it should not have ever been placed against my credit reports before I was given an opportunity to acknowledge it so I feel it needs to be removed immediately.
05/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	GA 31906	Web
I cant validate myself anywhere with any company! My identity was stolen by XXXX XXXX and as far as Ive been able to find he just assumed my identity. When I received a phone call last week of someone looking for him yet again I tried to do a people search and locate him myself. When I searched him it pulled up me. That man has gotten tickets and duis and went to XXXX under my social security number. All the validation information is his information. He has been using my identity since XXXX!!!! I was still a child and to make matters worse I was XXXX until 2 months before I turned XXXX!!!! I spent almost 5 years XXXX XXXX! Ive filed police reports against him as well as XXXX XXXX XX/XX/XXXX because she stole my identity in XXXX and got a house phone in my name and for the last 6months shes been stealing my mail or when she does give it to me shes already opened it. Ive filed police reports, Ive contacted the debt collectors, hospitals, library. Someone fraudulently opened a bank account with XXXX in XXXX and in XXXX committed fraud. I just found this out in XXXX when I tried to open a bank account! I tried to get a business phone for my XXXX XXXX and I couldnt validate myself because the questions they asked are connected to XXXX XXXX XX/XX/XXXX. Ive filed an FTC report as well as the police reports. I cant get a decent job, cant get a vehicle, cant get anywhere to stay because of this. My life is ruined! I cant validate myself anywhere!! I filed a report with the social security office and even requested a new social security number. When I stayed in XXXX someone broke in my car and stole my wallet and laptop and defrauded my XXXXXXXX XXXX account and posted my drivers license and social security card on XXXX telling people theres them a free XXXX whatever that is. I didnt even have XXXX at the time someone contacted me telling me and I had to create an account to find it. I filed an FTC report on that as well!!! Someone got a loan in XXXX Georgia under my name and Ive never lived there!! I believe that was my sister on my dads side shes a XXXX XXXX and my dad said the address that showed up on my credit reports was her last known address! Her name is XXXX XXXX aka XXXX XXXX XX/XX/XXXX. These places say that my information is validated but its not when my identity was stolen and used. Ive never used an ambulance service! Ive never been seen at XXXX XXXX XXXX. XXXX has refused to correct my report telling me Im not the person that sent in the information to correct my report so their not doing anything. XXXX and XXXX both have incorrect validation information. Ive been affected by data breaches from XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and several others. Theyre not doing anything about it! Me and my daughters XXXX card money was hacked and stolen. XXXX is holding my money from were someone stole and used my bank card and I disputed the transactions. My bills I had to repay and they still took the money back from me saying they didnt validate the dispute so I had to pay the company as well as XXXX XXXX and all XXXX XXXX said was XXXX is holding my funds and they closed my account. Ive been homeless the last 2 years staying with different people or at hotels or sleeping in my car because I cant get a decent job, I cant get a vehicle, I cant even get approved for a place to stay because of the extent of the identity theft. I cant prove for my children and my children are separated rooting from this! I have all the police reports, I have the ftc report, a friend subleased her apartment to me so I can have somewhere to stay trying to help me because she was moving and I couldnt get a place of my own. Search engines like XXXX XXXXXXXX and others all show his information as mine! Its like I only exist by name. XXXX XXXX, no where can I validate myself. This is a violation of my rights to the most highest extent. My life has been ruined from this.
08/16/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30016	Web
XXXX XXXX Capio Partners Date : XX/XX/XXXX Re : Acct # To Whom It May Concern : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of XXXX Vs. XXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/XXXX, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/XXXX notice of claim. Brief of Appellee at 13. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, XXXX violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against XXXX after XXXX had notified XXXX in writing that he was disputing the debt but before XXXX had mailed verification of the debt to XXXX. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. I intend to follow through with the suit if I do not hear back from you within 15 days. I look forward to hearing from you, XXXX XXXX
10/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30542	Web	Servicemember
Request for VALIDATION, NOT Verification XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, GA XXXX Collection Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX RE : Accounts # XXXX ( {$240.00} ) ; XXXX ( {$1200.00} ) ; XXXX ( {$97.00} ) ; XXXX ( {$140.00} ) To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX XXXX XXXX XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
01/24/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30340	Web
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ASSETCARE LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Account : # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX Please remove this account from my credit and do not contact me by phone only contact me by mail, please.
05/25/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30213	Web
As a result of car accident, I utilized the services of XXXX XXXX XXXX. I hired an attorney ( XXXX XXXX XXXX ( XXXX XXXX XXXX ) ) to handle my motor vehicle claim. The attorney contacted all medical providers involved. It took over a year for all claims to be closed. XXXX XXXX XXXX contacted XXXX XXXX XXXX ( XXXX ) in XXXX of XXXX. XXXX advised XXXX XXXX XXXX that balance in my account had been charged off and there was a XXXX balance in my account and even emailed them an invoice showing the XXXX balance. I began the process to purchase a house in XXXX of XXXX. In XX/XX/XXXX I was notified by XXXX, my credit monitoring services, that XXXX XXXX XXXX ( XXXX ) had reported a past due medical debt of {$1300.00}. I immediately called XXXX and explained that this debt was part of a litigation and they needed to contact XXXX XXXX XXXX and I asked them to remove this bad debt from my credit and they refused. During the call on XX/XX/XXXX I told them that they never notified me that this debt was outstanding. We found out that they had a very old address in their system : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Ga XXXX, and I explained that that address ( a P.O. Box had been inactive since XX/XX/XXXX ). I also provided them with address since XX/XX/XXXX and my phone number which has been the same since XXXX. I explained that I had been preapproved for a mortgage loan of 2.5 % and now with that collections item on my credit I was being told that my new APR would be 4.1 %. In the middle of this I also purchased a new car and ended up with a 4.49 % APR because of this collections being on my credit, unfortunately I couldnt hold off because the dealership can not hold a car for 30+ days while the collections company waits for payment. I called XXXX XXXX XXXX who stated that they would take care of this. I also disputed the information with each credit bureau to no avail! The item stayed on my credit report because XXXX claimed that the debt was valid. In the midst of all of this, I would call XXXX and tell them that they needed to contact my attorney because my attorney kept telling me that theyre trying to get this resolved, and its not moving. Finally at the end of XXXX, I called both XXXX XXXX XXXX and XXXX and put them both on three way only to find out that XXXX XXXX directed my attorney to call Capio and Capio never returned my attorneys calls or notify XXXX XXXX XXXX that the debt was now with XXXX. On Friday, XX/XX/XXXX, XXXX XXXX XXXX agreed to pay XXXX to settle the account. Payment has been made ( as of Friday, XX/XX/XXXX ) yet XXXX are still refusing to remove this item from my credit report until 5-7 days have passed to ensure that the payment is not stopped. They are threatening to leave it in my credit report until payment is fully process and refusing to remove it even though Ive explained that my offer on an house has been accepted and I was ready to proceed with the financing of my mortgage loan! I reiterated to them that they never notified me of this debt, and when I found out about it and notified them that it was part of a litigation it should have been removed and they should have contacted XXXX XXXX XXXX! It is completely unfair what they have done to me and they should be held responsible! They should not be allowed to practice collections in this manner! Their lack of training has caused me problems with a 30 year mortgage over {$1300.00} and a 5-year auto loan, which Im also waiting for them to remove the collections from my credit so that I can refinance! I will be seeking compensation for the difference in what I had to pay because of their lack of common sense handling the medical debt!
07/25/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30126	Web
Request for VALIDATION, NOT Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2018 Capio Partners RE : Accounts # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX XXXX XXXX XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX XXXX XXXX XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
04/02/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 31907	Web
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/XXXX Capio Partners , LLC XXXX XXXX XXXX # XXXX XXXX, Tx XXXX RE : Account To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
06/13/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30094	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/2018 Capio Partners , LLC RE : Accounts # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX XXXX
02/01/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 91724	Web
To whom it may concern, I am responding to your contact about a debt you are trying to collect in the amount of {$620.00}. Please supply the information below so that I can be fully informed : Why do you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you determined that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. To make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
09/29/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OH 451XX	Web
XXXX is the previous complaint associated with this matter. XXXX XXXX located at XXXX XXXX XXXX, XXXX TX XXXX is in violation of many laws. The previous disputes I filled, XXXX XXXX XXXX who them sold my accounts to XXXX for collections have not responded to my direct reqiuest for an ITEMIZED list of ALL things I am being charged for. XXXX did not provide ANYTHING and yesterday I receive from XXXX a paper that shows XXXX charges for very large amounts. This does not show EACH thing I am being charged for! This is how XXXX companies are getting away with billing XXXX! The XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX which both are now sold to XXXX are showing on my Credit as COLLECTIONS! This is Deceptive and Abusive ( XXXX ) as well as in violation of XXXX support these violations I will now explain the chain of events. Within a week myself and my son vested the XXXX XXXX XXXX care located in XXXX XXXX XXXX. My son was first. He was XXXX XXXX XXXX XXXX XXXX which is basically the XXXX XXXX out of XXXX. We were at the XXXX XXXX no less than an XXXX and all the XXXX did is ask what happened and looked at his XXXX and said she thinks it is XXXX XXXX XXXX. She took his arm and yanked it real hard and his elbow fell back into place. We then received our paper work and left. That is all, nothing else was done. That following XXXX on a XXXX I XXXX my XXXX on a XXXX. The XXXX would not stop so I went to the same above mentioned XXXX XXXX. I received treatment form my XXXX XXXX This was pretty XXXX and required XXXX XXXX, a lot of products etc. I then received my paper work and was sent home. Not long later I received bills from XXXX XXXX for myself and my son Both for the same amount {XXXX. I then receive XXXX bills XXXX XXXX XXXX XXXX XXXX for myself and on for my son in My sons was {XXXX} while mine was around XXXX. I was in total shock as to how could the bills for us even be close. I was actually XXXX, had a XXXX and needed XXXX. My son all they did was XXXX XXXX XXXX THAT IS IT! This is legit proof of fraudulent billing! I have asked at least XXXX times for a full itemized list of EACH CHARGE and this has yet to be given! Instead My accounts were sent to collections and now I am at risk for negative credit reporting. If I would not have had XXXX myself and my son XXXX and received bills so close, I would have never questioned the billing. It is clear we are being charged for things that were not done! There is no way our bills should even be close. There is no way our bills should even be close. I have discussed these concerns with all parties stated above and they keep being dismissive and say if I do not pay they are going to report to the credit bureaus. They have been threatening and misleading! am being forced to pay for things that I know that were not done! There abusive billing tactic are forcing me to pay for these bills without me even knowing what I am being billed for. The kept auto dialing and hang up when I answer They called my own mother and told her about the collections which is a violation of my PRIVACY! I told them I needed financial assistance because I am so worried about my credit and they have not yet sent me an application for assistance. However, what this comes down to is now have acccounts in collections all because they have refused to show me what I am being billed for! I am not going to pay for something when something is clearly wrong! These companies have abusive collection practices that are
12/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 22304	Web
Sooooo. With all the grief Ive been dealing with due to the injustice Ive incurred, I am willing to go to the furthest extent of the law for My Rights as an Adult, being above XXXX yrs of age, that I should not have to explain the fact that according to the Fair Credit Reporting Act 15 USC 602 & 1681 it plainly states that There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ; and my privacy has absolutely been violated to the pointe I have to type this demand/complaint letter. XXXX XXXX XXXX etc. are consumer reporting agencies and I am obviously the consumer, a living breathing Man, not a corporation or a legal entity. I, as a Man, have the right to protect my personal information and to make sure it isn't shared without my knowledge or consent, which is backed by 15 USC 6801. As should already be aware as an agent/principal, 15 USC 6801 it states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. XXXX XXXX XXXX XXXX XXXX XXXX is a financial institution by definition under title 15 USC 1681 sec 604a sec 2 states that in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, etc DO NOT HAVE MY CONSENT, NOR MY WRITTEN CONSENT TO FURNISH ANY OF MY INFORMATION. Let it be known to XXXX XXXX XXXX etc that ALL CONSENT whether it be verbal, non-verbal, written, implied, or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX XXXX XXXX XXXX never even contacted me or sent me an email or anything of that matter informing me of my right to exercise my nondisclosure option. 12 CFR 1016.7 states that A consumer may exercise the right to opt out anytime. Please consider this as Me OPTING OUT of your reporting services. 15 USC 1681s-2 ( A ) ( 1 ) A states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681 ( e ) states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this Title. Equifax and Experian are not maintaining reasonable procedures so that leaves me with no choice but to have to decline further involvement. Lastly, 15 USC 1681 C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item, they are reporting again without my permission which is against the law!!!!!
04/12/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 28117	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : CAPIO PARTNERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
03/16/2019	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted your employer	FL 33068	Web
Hello, I hope all is well. On XX/XX/XXXX a medical expense of {$1100.00} was put under my name and they put me as a reponsibility. This medical expense came from XXXX Hospital and XXXX XXXX on XXXX XXXX XXXX XXXX . I was not a patient. I have not been registered in any hospital for years. However, back in the end of XXXX my coworker, our mechanic, XXXX XXXX, needed to be taken to the hospital as he sliced his finger. Ofcourse, unable to drive I took him as I am the manager of the company I offered to help him. I am not responsible for this individual in any way as we are not married, we are not dating, I dont even have children, he is not even related to me, he is just our mechanic who accidentally had an injury and that is not something legally correct to be put under my debt and name, causing my credit to decline. Check my background and you will see I am single and how this individual is not of any responsibility to me. The moment we arrived at the hospital he merely sat down for 5 minutes, we were the only ones there, still at the waiting room, while they tried to check his heart and all of that, I was on the phone with the owner of the company who told us to leave the hospital right away and go to his personal doctor, we advised the nurses to stop what they were doing immediately, which was practically nothing, cameras in the lobby will prove this as we were the only two people there as I mentioned, we never saw a doctor or passed the lobby, upon exiting I asked the lady at the front desk who took my name and information to give me a guest pass if we would be billed for that and she clearly said no, because we did not even see a doctor, which were her exact words. Which ofcourse now is all a lie, I should have just ripped up my information. I work very hard to maintain my credit in good standing, I merely took our employee who was hurt to urgent care to help as a good person would do and this is how life repays me ... In addition to back up my story I have a receipt from the doctor we went to right after we left the hospital where he got his stitches, prescription and all the work done and I will gladly forward that if needed. What that hospital is trying to do is rob me. I can only imagine the kind of fake bill they put together. If this isnt deleted from my credit immediately as I pray to God the person reading this could understand how enfuriating it is to be in a position where you are in a debt for no reason I will continue to fight this every chance I get. If proof of the document is needed showing that the mechanic has his work done elsewhere is needed that same exact day I will gladly provide this as mentioned, and I want to mention again to make it clear that I have proof. If video footage from that day and time which I can trace back to is needed I will speak to someone at that hospital until I either get a letter from them agreeing to close this or to delete it from the file if necessary, I will. I am already currently disputing and all I keep receiving is an update, of the same thing. I am begging, to please look into this matter deeply so that you can see that I am correct, Id hate to have to argue and dispute this with the owner of the company I manage for something to be done about this : (
06/26/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH XXXXX	Web
My Husband XXXX XXXX and I previously remitted complaint XXXX and was under the impression based on the company responses this matter was resolved. The Attorney who responded stated I am likely confusing the account with Capio with the XXXX account as to the Capio Account WAS CLOSED as a result of the CFPB complaint last year!! I would like to point out the facts in the response from the Attorney were FLAT wrong!!! Please see the pictures of the collection notices I received and I will subpoena their internal call records if needed! My facts were NOT incorrect as to I spent HOURS of arguing with Capio on the phone then more writing my complaint! Since Capio did the right thing and CLOSED the account, I did not rebuttal the response. There is then Complaint ID - & XXXX Please note ALL OF MY ORIGINAL COMPLAINTS SPOKE TO BOTH ACCOUNTS WITH CAPIO!!! Please see the enclosed screen print of the response from the Attorney where again it is stated Nonetheless, in light of XXXX XXXX complaint this account has been closed, credit agencies notified to delete any relevant information and CAPIO PARTNERS WILL MAKE NO ATTEMPTS TO CONTACT HER REGARDING THIS ACCOUNT. All accounts stared with XXXX XXXX. To help simplify this while I waste MORE TIME, please see the following! ACCOUNT 1 XXXX Account # - XXXX Capio account # 1 XXXX, Capio acct # 2 XXXX ( Notice two Capio acct Numbers ) ACCOUNT 2 XXXX XXXX XXXX, Capio account # XXXX. It appears only account stated in # 2 they closed as to I have not heard a word about this one, yet OUT OF KNOW WHERE are harassing my husband and I over Account # 1 stated above! Not only is Capio Partners still violating consumer protections laws and their own agreement to close the ACCOUNTS, they only closed ONE of the TWO referenced in EACH Previous complaint, and they are now even more so practicing in a UDAAP manner. My husband and I began to receive collections calls for collection account # 1. Please Note the old account number from Capio as stated in my previous complaint that they advised this matter was resolved was XXXX. When I received the calls, I explained this matter had been resolved through my CFPB complaints and the first hung up on me, We then called back and they said Well, the account has been moved to a different department and we are now pursing this. The account number has now been changed to XXXX. Pictures are enclosed for all bill for reference. How / why did this company let this matter go resolved for months on end then all of a sudden transfer the debt to another department and tell me I now owe the debt??? This medical bill was for my SON as explained in the previous complaint. Capio is practicing in an Abusive and Deceptive Manner. They are using trickery by changing account numbers to now say an invalid debt is owed. They are now using a new account number to report an account to the credit bureaus that had already been disputed and removed!!!! If I haft to take out a second MTG to pay for a lawyer to stop this company and their abusive acts and practices, I will! I would like for Capio to close BOTH accounts as initially agreed upon and STOP harassing my Husband and I!
05/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 349XX	Web	Servicemember
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc. As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you. In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ). I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
05/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 349XX	Web	Servicemember
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc. As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you. In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ). I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
04/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 349XX	Web	Servicemember
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc. As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you. In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ). I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
08/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43609	Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
10/05/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 78741	Web
I received a letter from Capio Partners on XXXX claiming a debt I owed for {$2500.00} had gone to collections. I wasn't aware of any medical debt. I called Capio Partners and filed a dispute, requesting more information on the original creditor and a verification of the debt. Just a note : the person I spoke to assured me that I could file a dispute over the phone and did not need to mail in a written statement. I asked multiple times to be sure and they said the words " you do not need to mail in anything. I can open a dispute over the phone. '' I wrote down those words in my notes and recorded the individual 's name as well. He told me that there was no point in calling the original creditors or trying to question them about the debt, that it was too late and I Capio owned the debt and I needed to pay them. Before getting information that I requested and validation from Capio, I was able to determine based on the date they gave me that it was from a hospital I had an ER visit at in XX/XX/XXXX. Since I have been paying off a medical bill from that visit, so I was confused about an additional unpaid debt. I called the hospital that same day ( XXXX ) and I was able to discover that due to the hospital 's clerical error, they failed to make me aware of this additional bill of {$2300.00} ( which was less than the amount Capio Partners claimed. ) It turns out that the hospital had written down the wrong address on one of the documents, despite my driver 's license having my correct address, and so notice letters were sent to a different apartment. The hospital also revealed that Capio Partners had sent back the debt as " non-collectible '' in XX/XX/XXXX and so it actually was back in possession of the hospital. I paid the debt with the hospital immediately on XXXX. My balance with the hospital became zero. The next day, on XXXX, I received a confirmation email from Capio Partners that they were officially opening a dispute and would investigate whether the debt was valid. The pdf explicitly stated : " We received your recent letter disputing the accuracy of the above-referenced account. We have not had sufficient time to complete our investigation of the inaccuracy. On our completion of the investigation, we will inform you of whether our information was accurate or innaccurate. '' I never received any of the further information that I had requested about the original creditors or validation of the debt. I knew that when they did their investigation that they would see I settled the debt with the hospital, as confirmed by the hospital themselves multiple times including today. However, despite that fact, on XXXX Capio Partners reported the debt as past due to a credit reporting agency ( XXXX ) and when I called Capio they had to reopen a new dispute and told me to send my proof of payment to an email of theirs. This shows me they never did an investigation on the validity of the debt.
09/23/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30253	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Inaccuracies and HIPAA Violation To Whom It May Concern : This letter is being sent to you in response to your recent letter. This is not a refusal to pay, but a notice that your claim is disputed. 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 indeed the party you are asking to pay this debt, The date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. Please attach copies of : Any agreement with your client that grants 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, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX XXXX XXXX HIPAA Collection Agency Validation, Dispute, Cease & Desist This letter is to notify the agency that the debt is beyond SOL, or is invalid for other reasons, and subject to the HIPAA privacy laws. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/ or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB XXXX XXXX and XXXX XXXX XXXX for violations of the FDCPA, FCRA XXXX and Federal and State statutes on illegal collection activities on any account that may be time barred as well as in violation of [ name of your State ] medical privacy rules. I also hereby reserve my right to take private civil action against you to recover damages. Sincerely, XXXX XXXX
08/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10027	Web
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account ASSETCARE XXXX balance {$3600.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely.To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING.The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, ASSETCARE. I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
08/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33161	Web
XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Capio Partners XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Re : Acct # XXXX To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXX, which you claim I have a $ XXXX/XXXX and $ XXXX/Capio charge off. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
08/20/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33063	Web
XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : XXXX XXXX {$100.00}, Capio Partners & XXXX, XXXX XXXX {$3100.00} To Whom It May Concern : This letter is in response to your recent claim regarding Acct # *******, which you claim such as I owe an amount of {$100.00}, {$760.00}, {$3100.00},. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
08/31/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NJ 08724	Web
** I had to select the " debt is not mine '' option because an option is required although none of the available options truly define this situation I took my infant to the XXXX XXXX in the middle of the night on XXXX XXXX for an XXXX. I have medical insurance which covers all but {$150.00} copay. I provided my medical insurance and did pay my copay. The hospital and physicians bill separately. The hospital billed my insurance and was paid accordingly ( EOB verifying attached ). The physicians did not bill the insurance and billed me directly ( bill attached ). I assumed the bill was because it had not yet processed through insurance. When I received another bill in XXXX of XXXX I called and inquired and they stated that they did not have the insurance information. I provided all of the insurance information again and they assured me it would be taken care of. I never received another bill so assumed all was taken care of. A few weeks ago, in pulling my credit report, I noticed a collections company on the report. I called and inquired and found out it was this bill that was under collections. I never received any call or notice that this was going to collections nor that the debt was still outstanding. Immediately upon finding out about it I called the collections company who told me they could n't even provide me a copy of the bill and there was nothing they could do unless I wanted to pay the amount due. They advised it was past timely filing for insurance so they could not submit it. I called the provider office who told me the account was " sold '' to the collections company and they dont even have access to anything anymore. I was eventually able to retrieve a copy of the bill but she told me that she could no longer assist me with settling the account through insurance. I spoke with my insurance administrator and they contacted my health insurance company. I was told that the provider violated the insurance contract by not submitting to insurance timely and that I was not responsible for the debt. My companies insurance rep " XXXX '' called both the provider and the collections company but they have not been receptive and they will not even send the claim to insurance. The collections company has not been cooperative in the least and I have been blackmailed with my credit report for payment. I have never had collections or anything like this on my credit report. It is not my fault that the company did not submit to insurance when they obviously had the insurance information. When you visit the ER you only provide the information to one person which I did evidenced by the fact that the hospital filed a claim timely. In addition, I also called and provided the information a second time.
04/06/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL XXXXX	Web
On XXXX XX/XX/XXXX I received alerts that this collections company " Capio Partners LLC XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, tel XXXX '' placed an entry on my XXXX and XXXX credit report for the amount of {$91.00}. Because I did not recall receiving a letter or any type of communication from the company regarding the matter I contacted them and spoke with a representative regarding the debt. She advised it was the remaining unpaid balance of a hospital bill. She read the address to me and it was not the correct address, so I provided her with my correct address. I told her that what her company has done was illegal as it violates FDCPA law ( specifically section 809 ) because I was never given an opportunity to even review their claim of the debt owed, to research it on my own, or even dispute the amount because again, they sent the bill to the wrong address. So the representative asked me to hold and she comes back and says that her supervisor agreed to delete the entry from my credit report if I paid the debt since they acknowledged that they did in fact send the bill to the wrong address. I said that was not acceptable because it is still in violation of FDCPA law, I said no you must first remove the entry on my credit reports, send me an official bill/statement to my correct address, then allow me to exercise my rights as a consumer or pay the debt if it is in fact owed. She again said that I was incorrect, that they would only delete the entries if I paid the debt. I told her that she was wrong once again, I asked her to send me a copy of the bill, and then I advised her that I would be filing complaints with the XXXX and the CFPB because what theyve done is illegal. Then today when researching their company to file this complaint, I noticed in my personal email that I had communications with their company back in XX/XX/XXXX where I had them update my address and to send any further collections notices to my proper address. A lady by the name of XXXX XXXX acknowledged that I was correct and sent deletion notices to the credit bureaus and send me a letter indicating that she had in fact requested the deletions. They were deleted within a week I believe. I Feel that this company has a bad habit of placing entries on consumers credit reports with no regard for FDCPA laws. Additionally, by the representatives response of theyll delete it if I pay it was more of a bribe attempt in my view. Instead of her acknowledging that they did not follow the law with my particular debt they claim I owe, they wanted to extort monies from me first before I even had a chance to research to see if the debt was even owed. This is incredibly inappropriate for any company to do to a consumer in my view.
04/30/2021	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	FL 32811	Web
I ( XXXX XXXX ) am a victim of Identity Theft. I have experience tough and egregious hardships because someone has stolen my identity. I can not get credit anywhere. This has ruined my life. I lost my job last year and tried to refinance my house and car, I was told sorry, we can not help you. I filed a police report this year on ( XX/XX/XXXX ) ( report XXXX XXXX ) with ( XXXX ) Police Department. Ive also mailed in certified letters to XXXX. I received nothing. The thieves even went as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. Ive faxed all 3 bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter ( XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX, FL ) He notice several instances where XXXX are in non-compliance with the FCRA. Im a victim but Im treated as if Im nothing. XXXX continues to report Fraudulent accounts and inquiries to my credit report and I want it to stop Immediately! Please note that I have already opted out of arbitration and have supporting documents and proof to support all my claims. I am sure that XXXX did not go through the original furnisher to verify these accounts are mine and they must do so under the FCRA.If they did verify, they would have realized immediately that I have no clue of these accounts and they do not belong to me. If XXXX fails to notify me that they will be reinserting an item on my credit report in writing FCRA ( A ) ( 5 ) ( B ) ( iii ) results in {$1000.00} fine. As XXXX has violated the FCRA.. XXXX has refused to removed fraudulent accounts after I provided proof. This is considered defamation of character and willful injury. under the FCRA section 623. I plan of taking full legal action if accounts are not removed by XXXX XXXX XXXX ) These individuals are all apart of our lawsuit and will be named individually in our case. The FCRA clearly states 4 days all fraudulent accounts will be removed. and they continue to report. We are seeking full damages We feel these individuals have not assisted in making sure their respective bureaus are in compliance 1.XXXXXXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX {$110.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX XXXX. CAPIO PARTNERS LLC Original creditor : XXXX XXXXXXXX {$75.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX 3. XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX {$450.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX XXXX
04/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 349XX	Web
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc. As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you. In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ). I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. I look forward to your immediate co-operation.
04/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 349XX	Web
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc. As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you. In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ). I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. I look forward to your immediate co-operation.
07/30/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL XXXXX	Web
AssetCare, a collection agency, has recently reported a 6-year old alleged debt for the first time to my credit report ( at the height of the pandemic ). I just recently had another medical debt from this same debt collector - and same exact original creditor - for the same exact amount taken off more than two months ago! In that case, my insurance company had not paid a claim and it was resolved quickly after the insurance company agreed to pay the original creditor. I almost mistook this account for the same account being placed back on my report, but apparently this newest credit report account is for a different hospital. I find this highly suspicious that they purchased a 6-year old debt from the same exact original creditor for a different hospital ( the service dates are 4 years apart ) immediately after they were not able to get the payment they wanted for the first account. Additionally, this time, after doing a similar investigation that I did to determine the cause of the first credit report entry, there is no apparent debt! Every single person I have contacted, including the original creditor and the billing dept. at the hospital, has stated that they are not aware of any debt or accounts sent to collections. To the contrary, all stated explicitly that my insurance approved and paid out all claims for the service dates mentioned by the collection agency. I also checked my online account for the insurance company and found the same exact conclusion. All claims are approved for this hospital on the service dates in question. It is extremely unlikely that one entity of this hospital would not have had my insurance information while all others did. I have found no evidence of this either. Interestingly, after contacting AssetCare, they do not have any information about this debt. They couldn't or didn't want to give me the original creditor 's phone number and the name of the seller of this debt. I have submitted a formal request for bill itemization in conjunction with this complaint. A CFPB agent that I discussed the details of this case over the phone also immediately sensed " red flags '' about the story. This case and AssetCare LLC should be investigated for possible unlawful tactics related to seeking and buying debts that are highly questionable simply because they have recently encountered and compiled information on a person. One should not have to fight to clear harmful entries on a credit report because of intentional credit report " mistakes '' a collection agency makes in hopes to get a lucky payment from someone that should not be paying.
08/04/2023	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 76036	Web
Urgent Complaint : Cease Harassment and Remove Inaccurate Entry To the ones who love to harass me when I am taking care of my elderly mother, I am writing to formally address a highly distressing and persistent matter regarding the actions of Capio Partners. The relentless harassing phone calls, occurring at inconvenient times, have reached an intolerable level of annoyance. These calls, both in the early mornings and nearly at XXXX XXXX every day, have disrupted my daily life and caused substantial distress. The repeated demands for someone named XXXX XXXX, and the refusal to identify the caller, add to the aggravation. I have consistently conveyed that I am not XXXX XXXX, yet the calls persist. I want to assert, in no uncertain terms, that I do not owe Capio Partners any money. This assertion is grounded in the fact that I maintain appropriate medical insurance and diligently fulfill my medical bills. I have explicitly requested Capio Partners to substantiate their claims by providing the original agreements and pertinent documentation, but their response has been evasive and unhelpful. The culmination of this harassment, unsubstantiated claims, and unresponsiveness is adversely impacting my credit score and financial standing. This state of affairs is wholly unacceptable. Resolution and Immediate Action Required : 1. Cease Harassment : I demand an immediate cessation of all harassing phone calls, ensuring that my privacy and peace are respected. 2. Inaccurate Entry Removal : I request that the collection entry and delinquency attributed to me be promptly and permanently removed from all my credit reports. This erroneous entry is harming my creditworthiness and must be rectified. XXXX. Cease All Communication : I assert my rights under relevant legislation to be free from further communication from Capio Partners XXXX Any future contact will be considered a violation, and appropriate legal measures will be taken. I am deeply frustrated by the ordeal I have been subjected to, and I strongly urge Capio Partners to acknowledge the gravity of this situation. My intention is not to merely voice discontent but to secure tangible and necessary resolutions. Failure to take immediate action to address my concerns will leave me with no option but to escalate this matter further, which I genuinely hope can be avoided. Please ensure that this complaint is treated with the urgency and seriousness it deserves. I expect a swift resolution and your commitment to restoring my credit reports and financial well-being. Sincerely, XXXX XXXX XXXX XXXX
06/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 76063	Web
XX/XX/XXXX To whom it may concern : I need your agencys assistance, for years now, I have been harassed by XXXX XXXX XXXX for fraudulent medical bills that I do not owe. I have not been a patient of any XXXX XXXX XXXX doctor in years now, and I do not owe any outstanding Medical debts to them, yet they continue to harass me, by charging me for debt that I do not owe. They continue to charge me for XXXX XXXX that have already been paid for in previous years, by myself, as well as my dual insurance carriers. I have contacted their business office over and over again, they have received copies of payments already made to them, I have had attorneys to write to them to clear my name of these fraudulent debts that they continue to harass me about. For years now, the billing office for this medical group has insisted on harassing me, they have made mistake, after mistake on my patient accounts, they have not credited me for payments received from me, as well as from my insurance carriers. They have inept and unqualified people working in their billing offices, over the years they have claimed that they have changed their computer systems, over and over again. And it seems that each time they have, they place people that dont know how to do patient billing, and so the patients suffer for their incompetence. Years ago their Administrative officers XXXX XXXX, as well as XXXX XXXX XXXX and others in their Administrative offices, were made aware of this continual harassment from their billing office, and this was supposed to have been corrected. ( I am enclosing copies of letters that were already sent to XXXX XXXX XXXX back in XXXX ). Yet I find today in my mail, on XX/XX/XXXX, a letter from a Collection Agency by the name of Capio Partners LLC, this collection agency is billing me for fraudulent medical debts that I do not owe. I want Capio Partners LLC, to understand, that I am not paying them, nor am I paying another dime to XXXX XXXX XXXX, for any more of their fraudulent medical bills. I want Capio Partners LLC, to cease and desist from contacting me about these fraudulent debts that I do not owe. I want any collection accounts that they have placed onto my credit files removed immediately, as well as removed from their collection office, and I want hard copy proof on their letterhead that this has been done. Capio Partners LLC, can contact the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau, can contact me.
04/17/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32246	Web
I was orginally billed {$1500.00} for medical services rendered at XXXX XXXX in XXXX, FL for date of service of XX/XX/XXXX by a group call XXXX XXXX in XXXX, TX. I was approved for financial assistance at 100 % by XXXX XXXX by written approval letter dated XX/XX/XXXX. This was communicated to the billing dept. at XXXX XXXX and a copy of the approval letter was email to them on XX/XX/XXXX. On or about XX/XX/XXXX I received an invoice from a collection agency, Capio Partners referencing the same amount and they were retained to collect this same debt. I called both Capio Partners and XXXX XXXX on XX/XX/XXXX and was informed this was an error and the account has been reconciled as-of XX/XX/XXXX. I called the billing dept. at XXXX XXXX on XX/XX/XXXX and followed up with further documentation via email inclucing my financial assistance approval letter once again along with a detailed invoice from XXXX XXXX showing all dates of service and services rendered and any further issues with this account that I would be contacting the FL State Attorney 's Office and the CFPB. I learned in early XXXX that this issue had not only been resolved as I was informed, but now had been reported to XXXX and XXXX XXXX to be added to my credit report. I've already opened a complaint with the FL State Attorney 's Office and disputed the account via XXXX. This is obviously an example of XXXX XXXX engaging in persistent, fraudulent billing activities. One simply needs to look at their XXXX reviews to see this is common practice. Rather than properly reconciling the account on their as I was told on XX/XX/XXXX, they never communicated with me again and rather sold the account off to a collection agency ( Capio Partners ), who have now submitted it to my credit report despite my communication to them as well. I furthermore notifed XXXX XXXX 's billing dept. on XX/XX/XXXX via phone that any issues around dates of service not matching the approval letter can be resolved by them ( the provider ) calling XXXX XXXX 's financial assistance dept. at number provided on the approval letter and referring to the detailed hospital invoice showing all dates of service. XXXX XXXX refused to give me a contact person/control person/supervisory contact. Their information is as follows from the original invoice : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Thank you in advance for your assistance with this matter and helping stop this harassing and fraudulent billing activity.
10/21/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33467	Web
Hello, Please see below message that I sent to CAPIO PARTNERS LLC. CAPIO PARTNERS LLC Attn : XXXX XXXX, MrXXXX XXXX XXXX, XXXX XXXX, MrXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Re : Alleged Original Creditor : XXXX XXXX XXXX Alleged Original Creditor Account Number : XXXX Debt Collectors Account Number : XXXX Alleged Debt Amount or Balance : {$930.00} Dear CAPIO PARTNERS LLC I recently received communication from you attempting to collect the above-listed alleged debt. You sent your initial communication attempting to collect the alleged debt was within 30 days ago. Be advised that I dispute the validity of the entire alleged debt that you are attempting to collect. Further, I request verification of the alleged debt, specifically, I request the following verification : ( 1 ) a copy of a contract or agreement that created the alleged debt that you are attempting to collect, ( 2 ) an itemization and accounting of all exact amounts that you are collecting for the total balance, ( 3 ) if any amount is due to property damage, then a comprehensive list of any damage done to the premises that is the basis for any charge and true repair bill or estimate dollar value of the repair, and ( 4 ) if any security deposit was retained to offset the balance, proof of mailing of any statement of charges detailing the reason for withholding deposit funds and proof of the letter mailing date. Any contract or agreement sent must be with the original creditor and signed by all parties to it. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including reporting to consumer reporting agencies ( CRAs ). If you are not aware, credit reporting is considered debt collection under the law. Promptly request deletion of all your credit reporting made to any CRAs about the alleged debt. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your request ( s ) to CRAs to delete your reporting of the alleged debt. This letter shall also serve as a complaint to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive any related information from you. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney. cc : CFPB, XXXX XXXX XXXX, Washington, DC XXXX
11/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07083	Web
THE COMPANY, CAPIO PARTNERS, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO XXXX XXXX XXXX ( XXXX ). I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX ( A ) ( XXXX ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Wheras the holding or dealing in the gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in a amount in money policy ; and.. .Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public or private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. According to the Fair Debt Collection Practices Act, codified as 15 USC 1692, you, as a Debt Collector are required by federal law to verify with the physical original written and signed consumer contract on recording, related to the account you are attempting to collect on. Otherwise, anyone paying for your Debt Collection services could fax, mail or email in a fraudulent account. Your failure to verify* this account is trespass on right to privacy and to contract. Under the FDCPA, unverified accounts are considered a Fictitious Obligation and any demand for payment of such is an attempt to extort and administer property without right.
01/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 34997	Web
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and I am sick of it!! These medical bills, listed on my credit report, are NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. The court has ruled that in Hinkle v. Midland Credit Management , IncXXXX, that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc. As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you. In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ). I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. I look forward to your immediate co-operation.
04/28/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CA 913XX	Web	Older American
Hello, I just received a notification from my credit monitoring agency that a company by the name of CAPIO PARTNERS LLC has flagged my credit file on XXXX/XXXX/2016 and reported a collection account. I have never heard of this company before today, and had never received any demands by phone or mail regarding same. I called this collection company after I checked my XXXX credit profile today and spoke with one of their associates who immediately started negotiating a settlement, however, I demanded answer as to why they never sent me any mail or phone call me in this regard. The associate repeated the address that they ( supposedly sent sometimes on or about XXXX XXXX 2016 ) and she verified the address the mail was sent to but, that did not include my unit number. My condominium complex has over XXXX XXXX units and that 's the reason I never receive any identifying demand letter, with all mandatory legal disclosures, account information/number, etc. from CAPIO because they failed to put my full and complete address so that my rights would be protected. Then, the associate transferred me to her supervisor, and after several minutes being on hold, the supervisor came on line and immediately started offering XXXX % discount, if I settle the account with the company. I demanded explanation as to why the initial demand letter was not sent to my address accurately. The supervisor began back tracking about my unit number and claimed the associate was wrong and that the unit number was on the address. He tried to cover this up ; Nonetheless, I never received any mail in regards to this claim of debt. After my conversation, I feel, this company 's intentions are questionable as they tried to settle the so called debt at the time I was trying to verify who this company is and why was n't I given the due right to review their claim and respond accordingly. This unjust action has caused a XXXX point drop in my credit score today which will immediately impair my credit worthiness thus creating a major setback at the time my family is financially struggling to survive. This company acted intentionally maliciously to force me to settle a claim which is not proven and will surely be disputed. Another company had filed a claim regarding same and they could n't prove the debt and they threw it out. I do n't owe thus there should not be a flag on my credit profile until the debt it 's proven.
10/25/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 700XX	Web
I was hospitalized on XX/XX/XXXX. I provided both of my insurance cards on the date of treatment. I did not receive any hospital bills. In XX/XX/XXXX Capio Partners whom I do not have a contract with placed a collection account on my credit reports for {$1400.00} on the behalf of XXXX XXXX XXXX. I disputed the validity of the account and also reminded Capio Partners that they were in violation of the HIIPA Laws. Captio Partners could not validate this alleged debt but instead sold my personal information to XXXX XXXX. XXXX XXXX is now trying to also collect the same debt for {$1400.00} on the behalf of XXXX XXXX XXXX. I did not authorize nor sign any records for XXXX XXXX XXXX to share my personal information with any third party company. The date of service in question I provided insurance cards to the hospital. I have proof of coverage for the date in question. I have proof from my insurance company that XXXX XXXX group did not make a claim for the referenced amount for that date nor the time frame allotted to file a claim. I spent one hour on the phone with XXXX XXXX XXXX representative and he agreed my insurance was not billed but I would need to show proof I was insured at the time in which I did the date of service physically and the MyChart application for billing shows both of my insurances. Ive contacted my insurance companies to obtain proof again in which XXXX XXXX knows and XXXX XXXX XXXX. I spoke with XXXX XXXX who could not validate the bill but stated if I show proof of insurance for the time in question XXXX will stop trying to collect. Ive provided proof of insurance to both companies however this medical collection has damaged my credit profile. XXXX bought my personal information from XXXX XXXX who bought my personal medical information from XXXX XXXX XXXX is a violation of my rights. Ive asked XXXX XXXX to Cease however the company has not. Im not responsible for this debt as previously stated. XXXX XXXX XXXX has and always had my insurance information on file. I provided my insurance ID Card at the date of visit. I had and still have insurance coverage. I have proof my insurance was not billed on the listed charges by XXXX XXXX XXXX. I did not authorize XXXX XXXX XXXX to disclose my personal health information with XXXX XXXX or XXXX XXXX who are trying to collect on the behalf of XXXX XXXX XXXX for a null and void bill based off XXXX XXXX XXXX negligence.
09/23/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33073	Web
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1989 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious XXXX XXXX XXXX/CAPIO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1989 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
06/10/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33418	Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CAPIO PARTNERS XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious CAPIO PARTNERS LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
12/04/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33463	Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious CAPIO PARTNERS LLC XXXX CAPIO PARTNERS LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
10/30/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33150	Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CAPIO PARTNERS Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious CAPIO PARTNERS I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
10/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33150	Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CAPIO PARTNERS Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious CAPIO PARTNERS I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
11/13/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 451XX	Web
I received a letter from the XXXX XXXX today stating I owe {$460.00} for XXXX XXXX Account XXXX with a date of service XX/XX/XXXX. I am contacting a Lawyer tomorrow! I read through this notice and saw on XX/XX/XXXX Capio Partners is saying I still owe {$97.00} after {$3400.00} has been paid! I called them and told them I paid this account in full in XX/XX/XXXX by settling with the collection agency. They then REMOVED THE COLLECTION from MY CREDIT! WHY IN THE WORLD ARE THEY NOW TELLING me I owe {$97.00}. This is not all! They send me a notice, same day stating I owe {$370.00} for account XXXX. THIS COMPANY AND XXXX XXXX HAS YET TO PROVDE ME AN ITEMIZED LIST OF WHAT I AM BEING BILLED FOR WHICH IS A VIOLATION OF FDCPA! The have an auto dialer call me with an automated person speaking! I can never speak to anyone! They have time and time again ruin my credit! They place accounts in collections and then after months of fighting to prove them wrong, the accounts are removed. But my CREDIT is already impacted! I have a higher rate on my loans due to their erroneous credit reporting! This is still not all! Capio also has account XXXX, this is for my Son. I have issued TWO CFPB complaints XXXX, XXXX where Capio has FAILED TO ISSUE ME WITH AN Itemized list of the charges! Someone really needs to look into the charges for Capio account XXXX and XXXX!!! There is medical billing fraud with these two accounts. There is also violation of FDCPA and TCPA as well as UDAAP. The department of Justice needs to investigate XXXX XXXX, Capio Partners and The XXXX XXXX! I have spent countless hours asking for a list of all charges and disputing the amounts owed and no-one is doing one thing! All they do is call 20 times a day, they are rude and threating! My Husband gets harassing calls every day for account ending XXXX! Again along with ago XXXX, I HAVE PAID FOR THE ACCURATE AMOUNTS OWED! I am being charged for items that I DO NOT OWE!!!! This is being proven by their content lack of ability to provide me a line by line list OF ALL CHARGE! It is really said I am being abused like this! I have XXXX XXXX who NEVER answered my request! They sold the account to Capio who then sold the accounts to The XXXX XXXX! I think they look for Women to take advantage of! I really do!!!! They threaten my Credit when I ask for the itemized list! Again FCDPA violation
06/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33467	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Capio Opened XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious Capio Opened XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
06/09/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33467	Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT ASSETCARELLC/CAPIOPART XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious ASSETCARELLC/CAPIOPART XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
01/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33463	Web
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX CAPIO XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 o f this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious CAPIO XXXX CAPIO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
08/03/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33407	Web
TODAYS DATE:XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1979 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
02/27/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33460	Web
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX/CAPIOPART XXXX Your company have violated FCRA XXXX ( f ) ( XXXX XXXX. XXXX ( f ) ) ( f ) XXXX on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( XXXX ) In general No person XXXX company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section XXXX of this title has resulted from identity theft. ( XXXX XXXX Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( XXXX ) after the date of a notification under paragraph ( XXXX ). XXXX XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- XXXX A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XXXX of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious XXXX/CAPIOPART XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
04/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 78238	Web
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1971 ADDRESS XXXX XXXX XXXX APT XXXX, XXXX XXXX XXXX TX XXXX ASSETCARE LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious ASSETCARE LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/1971 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX
09/08/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33463	Web
TODAYS DATE:XX/XX/XXXXATTENTION DISPUTE DEPARTMENT CAPIO PARTNERS LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious CAPIO PARTNERS LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX CT, XXXX XXXX, FL XXXX
05/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 304XX	Web
The credit reporting agency XXXX faced a global security breach, resulting in millions of consumers personal information being exposed. As a result of this, I am a victim of identity theft. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to bring this information forth to a judge in my area, to file suit against your company for reporting this fraudulent account to my XXXX, XXXX, and XXXX credit reports. If you do not immediately remove these inaccurate and incomplete accounts in 1 business day, I will move forward to file a suit against all companies involved. I have never done business with your organization ; I have done my own research it is absurd that your company would put something like this on my credit file. Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. Any person who willfully fails to comply with any requirement imposed under the Consumer Credit Protection Act, is liable to that consumer in the amount of {$1000.00} any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} or in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater, such amount of punitive damages as the court may allow and in the case of any success action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. AssetCare your company is currently reporting a fraudulent account to my credit file in the amount of {$1400.00}. It is absurd that your company would put something like this on my credit file. I know for a fact that I have never done business with your company. I have attached my police report, as well as my legal affidavit from the Federal Trade Commission. If this account is not removed from my credit file in one business day, I will ask my lawyer to move forward with filing a suit against your company. I have attached my FTC FORM as well as Police report. This accounts should be removed from my account as soon as possible.
03/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 945XX	Web
I received a letter from Asset Care ( Also called Capio Partners ) in XXXX. The letter was addressed to XXXX XXXX XXXX XXXX. I do not have a mailbox at the physical location of XXXX, nor do I get mail at this location. I only get mail to my XXXX XXXX which is XXXX XXXX XXXX. I live in a small town and while I eventually received this letter, between the holidays, I didnt actually get this letter till the end of XXXX. I have been receiving XXXX XXXX XXXX letters about this debt for years. I have always sent in a debt verification letter at which point I never hear from the collection agency again. I was going to ignore this letter, assuming it was the same old incorrect debt. However, when I logged into my credit report I saw this being reported. Based on that I sent in a debt verification letter on XX/XX/XXXX. I have never heard back from this collection agency. I assume this debt is not my debt like the others. I had a debt with XXXX XXXX XXXX from around XXXX which showed up on my credit report, I dont remember the amount. I called the hospital and paid the bill directly in full. The debt stopped showing up on my credit report a few months after I paid the debt in full. I dont recall any other debts with XXXX XXXX , and I especially do not have any unpaid debts. In XXXX I started getting collection letters about this debt from XXXX. This debt while similar to mine, is not my debt. And if, which it is not, it was my debt why is it being reported a second time when it was paid. Even if it was not paid why is it being reported with a start date of XX/XX/XXXX when the start date was XX/XX/XXXX and I didnt even receive a letter about this until XX/XX/XXXX? You cant re-report a debt, you cant report a debt twice and you cant report an old debt as new. And again, that all is a moot point because this isnt my debt. I would like this debt to stop being reported. I have never received a debt verification letter. They continue to report it on my credit report. And since it appears as a 3-month-old debt it has dropped my credit from XXXX to XXXX. You dont get a credit score of XXXX by not paying debts. This isnt my debt. I am attaching all the letters I have gotten, not just Asset Care but asset care if the company in question.
01/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02302	Web
Hi Capio Partners / XXXX of XXXX ; I just got out of strange phone calls with representatives of Capio Partners ( # XXXX ) and XXXX of XXXX XXXX XXXX ) and Im shocked, surprised, and honestly stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Plus, isn't this HIPPA violations for sharing my personal medical information with so many different third-party company? WHy? Plus why is there late payments shown on the payment history for a collection account? Isn't a collection account by default late and past due? Don't waste my time by partially responding to this demand. I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
09/10/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33025	Web
TODAYS DATE : XX/XX/XXXX CAPIO PARTNERS LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious CAPIO PARTNERS LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
11/04/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75040	Web
I was checking my credit as I am building it to buy a home, I noticed my credit repoirt went down. Upon further investigation I saw that a company called Asset Care LLC had placed a derogotory mark on my credit for an XXXX XXXX bill, that when was previously discussed approximately XXXX of XXXX, this should have been taken care of by my health care insurance providor. They said that they would look into the matter and get back with me. I didnt hear anything back from them. I had just aquired a debit consolidation loan to pay off all my debts, so this would have been included in order to clear it, had they gotten back to me. I called them yesterday XX/XX/2021 and spoke to a XXXX XXXX- she confirmed with me that they did infact speak to me over the summmer, I requested them to submit this to my insurance company for payment, she also confirmed that nothing else had been done with the account after that. I again request that they submit this to my insurance company, XXXX XXXX said she would have a detailed bill mailed to me, and they would remove the derogotory mark from my credit. However the damage has been done. I now have to recover 60 points on my credit report that should never have been taken off. Below is a desription of the drogotory information they placed on my credit report. I had XXXX derogotory marks on my credit until this. ASSETCARE LLC COLLECTION/CHARGEOFF Other {$85.00} Status Date Reported XX/XX/2021 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX Account Type Not Reported Responsibility Individual Age Of Account 0 Years, 4 Months Credit Limit Not Reported Highest Balance {$85.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Contact Us AssetCare is here to provide you with more information, answer any questions you may have and help find a solution that works for you. Please let us know how we can help. Talk to a Representative : XXXX Automated Payment : XXXX Mailing Address : AssetCare , LLC XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX
04/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33436	Web
TODAYS XXXX ATTENTION DISPUTE DEPARTMENT ASSETCARE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious ASSETCARE XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
03/30/2023	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	IL 60628	Web
XXXX XXXX XX/XX/XXXX contacted me and I asked them to validate a debt that was in reference to the letter they sent. XX/XX/XXXX they sent this : Dear ( my name ) : We received your recent letter disputing the accuracy of the above-referenced account. We have not had sufficient time to complete our investigation of the inaccuracy. On our completion Of the investigation, we will inform you of whether our information was accurate or inaccurate. At this time, no attorney with this law firm has personally reviewed the particular circumstances of your account. XX/XX/XXXX XXXXXXXX XXXX sent Dear ( my name ) We received your dispute regarding the validity of the above-referenced accounts ). Enclosed is the verification of debt we obtained from the current creditor, XXXX XXXX XXXX. The verification is labeled " statement of account '' and sets forth the outstanding balance for services rendered by the medical provider stated above. The outstanding balance is the obligation of the responsible party for the accounts ). The medical provider sold the accounts ) to XXXX XXXX XXXX and removed the balance from its records. An itemization of medical services we obtained from the medical provider is also enclosed as a courtesy, which reflects a balance of {$0.00} because the medical provider sold the accounts ). The balance that was purchased by XXXX XXXX XXXX is the obligation of the responsible party for the account ( s ). I then received a letter from Capio partner in XX/XX/XXXX saying i owe the same debt and it needs to be paid by XX/XX/XXXX XXXX XXXX I was never notified anytime before XXXX about this debt. All the people whos contacting me show the same address but different numbers and different address. I have an itemized bill from a company I never had services with but it stated that I had XXXX XXXX insurance. I believe this is a fraudulent company collecting my information and using it to collect money. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
10/19/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78665	Web
Who subscribes XXXX XXXX XXXX XXXX hereby file a formal complaint against Capio Partners , LLC, who try to charge me the amount of {$940.00} for a XXXX XXXX of XXXX with XXXX XXXX, which was ordered by my primary physician XXXX XXXX XXXX. XXXX. dated XX/XX/XXXX and I was practiced at the XXXX XXXX and XXXX XXXX in the city of XXXX. But whose results were never received by me or my doctor.. On XX/XX/XXXX I went to my primary doctor, XXXX XXXX XXXX XXXX XXXX. For presenting a strong pain in the XXXX area on the XXXX XXXX, on that occasion I underwent several XXXX XXXX by which the origin of the pain could not be determined. In view of the pain continuing my primary doctor, he ordered the XXXX XXXX of the XXXX with XXXX XXXX which I practiced in the following days at the XXXX XXXX, where I had to pay approximately {$200.00} of co payment to be able to practice the exam. The test was performed, but neither my doctor nor my person NEVER RECEIVED THE RESULTS OF SCAN On three occasions I went to XXXX XXXX to ask for the report of that study to be delivered to me and they never gave me an answer. My primary physician also called by phone and they said they were going to fax the results but this was never done. My doctor and I never knew the results of that study. After a few months I started to receive at my residence in the city of XXXX, some invoices associated with that study, demanding payment of XXXX dollars for carrying out the aforementioned medical study, which I never benefited from since we never got the results. Similarly, I must point out that they charged part of that amount to my health insurance. In the face of this attempt to collect money, I contacted the collection department of XXXX XXXX and told them MY REFUSAL TO PAY because the results of the scan were never delivered to my doctor or to my person. I now receive an invoice for the same item issued by Capio Partners , LLC. Account # XXXX. Before this attempt of collection I must say that I WILL NOT PAY since I was never benefited by the practice of this medical examination. On the contrary, they charged as much to the insurance company as to my person an amount of money for a study of which we never knew any results.
10/13/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	UT 845XX	Web
I was seen at XXXX Hospital in XXXX UT on XXXX XX/XX/XXXX. I had just gotten out of prison in XXXX and had no insurance. I acquired a bill of {$6000.00}. I had just started working and was only able to make minimal payments. I made my payments directly to the hospital. On XX/XX/XXXX I received a bill from XXXX for the balance due on the hospital bill. Their claim was " XXXX, XXXX is a company that is managing your account for the healthcare provider. '' At that time or shortly after ( I don't know where to find the exact date because it has changed hands again XXXX XXXX turned my account in as a collection. I have not missed one payment. I disputed the fact that no one had to collect from me. I was making monthly payments. My dispute was not validated. In XX/XX/XXXX, I received a NOTICE OF DEBT dated XXXX XXXX stating the above account, owed to XXXX Hospital is past due. Capio Partners has been contracted to collect the outstanding balance. Payments and questions should be directed to Capio Partners to insure proper credit. At that time I could no longer use the XXXX Hospital online bill pay ( it was blocked ) and I had to begin making my payments to Capio Partners and I had to pay almost double to keep the account current. I have auto payments set up again and have not missed one payment. When Capio Partners took over the debt from XXXX a new collection was reported to the Credit Reporting agencies with an adverse mark again. The only adverse mark I have on my Credit Report comes from this hospital bill and I have voluntarily made my payments, yet it continues to be a bad mark on my Credit Report and it should never have gone to collections. XXXX called themselves managers for the healthcare provider yet turned my account in to credit-reporting agencies and Capio 's NOTICE OF DEBT states " Please be advised that we may report the failure to pay the account to credit-reporting agencies. '' I have not failed to make payments on this account, yet it reflects as a collection against my credit report. Both the attending doctor and the Laboratory cut their bill significantly due to no insurance and voluntary payments being made. Once I paid them off, I started paying the hospital more.
10/15/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89178	Web	Servicemember
I disputed multiple times with the original debtor and then the debt collector capio partners. I disputed withthe bureaus and when they would not send proof to me or them I know it has to bew because they have none. I have had health insurance my entire life. Capio can't send proof even when asked to produce it they just generically reply back " debt verified '' They may honestly think the debt is valid but they should have to prove it. I have always had medical insurance since the day I was born so obviously not mine again. After no results through multiple disputes w/ all bureaus, All I was allowed to do was make a consumer statement on my credit report to the bureau but that did not help my credit it basically did nothing. Please help me and please tell me my rights, and what I am entitled to do. How to retaliate and get this corrected. I would also like to take some sort of action against them as they should not get away w/ this and should be made aware and change their policies of " verifying '' a debt. This is completely unfair to consumers! Someone told me something about the Burden of Proof in the Fair Credit reporting act years ago, when I had a similar problem. This happens all too often. Can we look into all the violations of all the times I requested proof and received nothing and fine them? Seems like that's the only way to get through to unfair practices being done to consumers by companies. Please tell me what disciplinary action is taken against them once I am proven correct. One more thing ... How do I report that these companies owe me money and then when the bureaus ask I will just report back " debt verified '' very generically. I would like to give them a taste of their own medicine! How easy is it for companies to report incorrect information? Seems to me it must be very easy? What kind of compensation can I get from these companies? Home prices are on the rise and I can show proof of my Home loan inquiry and credit score dropping and home prices rising here in XXXX XXXX! Sorry for the long message, so many questions, and all the scenarios. please call me with any questions or answers to all of my inquiries
12/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 191XX	Web	Older American
XXXX XXXX XXXX placed eight accounts from XXXX XXXX XXXX on my credit report without ever contacting me to verify the bills. They used really old contact information and the wrong policy number. I called them ( XXXX ) and told her about the mistakes to which she replied ( XXXX ) that contacting me was a " courtesy '' and she was under no obligation to contact me prior to putting the accounts on my credit report. Hence, I was never contacted. Then, in a letter from the provider sent me dated XX/XX/XXXX, all charges where XXXX out. Still, the collection items appear on my credit report ( XXXX XXXX and XXXX. ) In addition, Capio Partners placed three old collection items on my credit reports from yet another XXXX XXXX, XXXX XXXX. These bills dated back to XXXX and XXXX. Again they had incorrect contact info and policy info. I called their Patient Advocacy number, XXXX on XX/XX/XXXX and was told= verbally that they would remove the bills from the credit bureaus. They, too, still appear on my credit report. In XXXX, the same thing happened with another XXXX XXXX in XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Once again, they used the wrong policy number and contact information. I filed a lawsuit because they destroy my credit and just reaches a settlement with all parties involved. Once again these new incorrect items are on my credit reports and my credit has taken another hit. I believe that there is something wrong with how XXXX XXXX are conducting their billing and collection efforts. Three separate XXXX XXXX, all billing when I was inpatient, all had the wrong policy and collection information. What makes this especially suspicious is that since I was inpatient, all providers should have gotten billing information from the information given at the time of admission. During my three hospitalization ALL OTHER PROVIDERS got the correct information that was sent to the insurance company. Because I am XXXX XXXX, at least 90 % of the bills would have been paid in full because I almost always reached my out of pocket maximum in the first quarter of the year. Please let me know what needs to be done to rectify this situation.
07/25/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 45247	Web
Re : Notice of Intent to Sue / Health Insurance Portability & Accountability Act Violation Validation Letter sent to : Capio Partners To Whom It May Concern, Please be advised that I have requested validation { not verification } of an item ( or of the accounts ) reported to you by the above { XXXX XXXX XXXX XXXX }. I have received a response that clearly violates my rights according to HIPAA. { XXXX XXXX XXXX XXXX } did NOT provide me with a HIPAA Release Form, to authorize the use or disclosure of my protected health information ( PHI ). Therefore, by providing you such information they are in serious violation of the HIPAA Privacy Rule. Furthermore, your agency has aided and abetted your customer by your negligence and disregard of your reporting responsibilities as a credit reporting agency, pursuant to FCRA 604 ( g ) ( 1 ) ( C ) and FCRA 605 ( a ) ( 6 ) ). I am proceeding with legal action as prescribed by law against the above named { XXXX XXXX XXXX } and will name you in the lawsuit if you do not immediately delete the listed item ( s ) due to the privacy violations. You are also required by the FCRA to receive written certification of the information furnished to you prior to you assembling and reporting such information. If you can not provide proof that you received the original or a certified copy of a HIPAA Release Form signed by me, clearly delineating my consent to release my ( PHI ) then you must cease from reporting this unlawful entry. I will seek every legal remedy available to me and file suit against the credit bureau for the continued aiding and abetting of your customers actions for commercial gain by the continued reporting of my protected information, preceding your receipt of this notice. You are clearly benefiting monetarily by reporting this account on behalf of your customer. I urge you to take this matter seriously, as I have documented my case without error. I encourage a response from you expeditiously in the form of an updated credit report showing that you have ceased and desisted your illegal reporting of the listed accounts, pursuant to the Fair Credit Reporting Act.
03/15/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48047	Web
On or around XXXX 2017, an erroneous medical collections appeared on my credit reports from Capio Partners. They are now the 3rd or 4th company that has attempted to re-age and re-report this debt that does not belong to me. The reason I am contacting CFPB is because : NO CONTRACT/INVALID CONTRACT/HIPAA VIOLATIONS/FDCPA VIOLATIONS/DEBT RE-AGING/INVALID INFORMATION I have not received any paperwork from Capio Partners. Instead, I have received harassing phone calls. I have attempted numerous times when they have called me to ask for debt validation and also asked them to stop calling me. I still have been receiving harassing phone calls. I still have received NO paperwork or debt validation from Capio Partners, showing that I signed any contract with their company. This violates my consumer rights under the FDCPA. I have been keeping track and they have violated my rights over 10 times -- according to the FDCPA, I am entitled to {$1000.00} per violation, should I decide to pursue my legal options. Additionally, IF Capio Partners were to produce ANY paperwork related to this supposed medical debt, they would also be in violation of HIPAA patient privacy laws. I have never had a contract with Capio Partners in the past, present or future and never authorized or gave my expressed consent to give them access to any and all medical records, which are not limited to and also include medical billing statement for myself or any dependents in the past, present or future. I do NOT have any contracts with Capio Parnters. They are in clear violation of the FDCPA and HIPAA. I am requesting that they : 1 ) Immediately cease and desist from all collection attempts on this account, now and in the future, including but not limited to ceasing and desisting from re-selling or re-aging this debt to another company 2 ) Immediately remove this account from all of my credit bureaus and reports, namely XXXX, XXXX and XXXX now and cease and desist from any and all attempts to place it back on there in the future If my request is not immediately complied with, I will be contacting an attorney to pursue my legal options.
12/23/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 34953	Web
In XXXX of XXXX, I XXXX XXXX XXXX XXXX XXXX in order to pay for any outstanding debt owed on my part as I was pregnant as of XXXX of XXXX and would n't be able to pay any debts thereafter. I would n't be able to pay anything once I gave birth because my employer was a small law firm that offered no XXXX Leave or XXXX XXXX XXXX, therefore, once it was time to give birth and recover I would essentially become unemployed. It is now XXXX/XXXX/XXXX and I am in fact unemployed due to complications with my delivery that required a lengthy recuperative period. To my surprise, I have received a bill from a collection agency for {$4100.00} that is apparently owed to XXXX XXXX. I have several problems with this recent turn of events, first, I repeatedly asked the representative at XXXX XXXX if the bills proposed to me were complete, and she confirmed that they were, I do not have over {$4000.00} to give to anyone. I should have known something like this would happen, during the transaction it was apparent that they neither cared about my XXXX or dilemma even though I was trying to do the right thing. Second, I do not take lightly my private and proprietary data being sold to third-party organizations that I have no contractual obligation to. Who are they to share the very same information that they are supposed to protect under XXXX law? Third, I made XXXX XXXX well aware of my financial hardship, and they have made no attempt to adhere to the XXXX XXXX Assistance Law ( HFAL ). I have been offered no assistance nor have I been given an opportunity to negotiate my outstanding debt. Their subsidiary is equally ruthless, the collection letters make no mention of my right to dispute the outstanding debt. I feel that I am being mistreated by this XXXX provider and collection company based on my age and XXXX and existing XXXX disorder, I often have to visit the XXXX facility because I have an illness that they apparently are n't skilled enough to remedy ... it appears that these companies are more concerned with cashing in on my XXXX than trying to help a member of its community that is truly in need.
03/20/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	AR 723XX	Web
Received collection notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( aka XXXX XXXX, XXXX. XXXX XXXX, XXXX, TX. XXXX dated XX/XX/XXXX stating that I was responsible for a medical debt of {$380.00} for a patient whom I have no knowledge of and with a medical group I was unfamiliar with. On at XXXX XXXX CST XX/XX/XXXX I called XXXX and spoke to XXXX XXXX, disputing the debt. He indicated that the debt had been recalled the previous day and they were no longer attempting to collect. I asked to speak to a supervisor and was referred to XXXX XXXX who indicated the matter was no longer active and that they would update with credit bureaus. Suspecting fraud I asked for and was given a number for patient advocacy XXXX ( XXXX ) XXXX. No one answered. I received a recording and opted not to leave a call back number because I didnt want a collector on a bogus debt to have my phone number. I then received a letter from Capio Partners dated XX/XX/XXXX to collect the same bogus debt. Interestingly, the XXXX XXXX and the Capio Partners letters showed the same return address of XXXX XXXX XXXX, XXXX, CA. XXXX. The correspondence from both also listed an address on XXXX XXXX in XXXX, TX. I sent Capio Partners a letter certified mail return receipt dated XX/XX/XXXX disputing the validity of the debt entirely and requesting written verification of the debt. In a letter dated XX/XX/XXXX Capio Partners send a copy of a purported medical bill from original creditor XXXX XXXX XXXX XXXX, XXXX. The statement was addressed to an address I have never resided or been to in XXXX, GA. I have not been in or around XXXX in over 5 years. I have no friends, relatives, associates living there and not even aware of any acquaintances living there. This correspondence did include personal information that demonstrates that this debt has been fraudulently created through identity theft. I am actively disputing this debt with Capio Partners and credit bureaus and am exploring reporting this matter to local law enforcement, the FTC, and my state AG, as well as the AG of Georgia and Texas.
12/14/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33169	Web
To whom it may concern : I am disputing the following accounts as an affidavit, I have contacted the state attorneys office, The XXXX, filed a lawsuit against your company for falsely accusing me of owing your company, using my credit file without my consent which is violating my rights and several sections in The Fair Credit Act. XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # xxxx I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and XXXX XXXX XXXX and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations. Sincerely XXXX XXXX
08/18/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VI XXXXX	Web
On XX/XX/XXXX, I sought a XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX. The office visit was with a doctor in the XXXX XXXX XXXX XXXX XXXX, and was also a referral from my personal care physician. This visit was 100 % covered by my spouse 's employer 's Employee Assistance Program XXXX XXXX XXXX ). A year after the visit, XXXX XXXX XXXX XXXX XXXX sent me a delinquent bill notice in the mail. After following up with both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, it was determined that the provider ( doctor ) had improperly and illegally double billed for the service. XXXX had paid XXXX XXXX XXXX XXXX XXXX in-full, and no money was owed. This original debt was for over {$100.00}. On XX/XX/XXXX, I received a debt collection notice in the mail from Asset Care, stating that they had been sold this debt and were attempting to collect it. This time, the debt listed is {$20.00}. XXXX XXXX XXXX XXXX XXXX sent a six year old debt for {$20.00} to a debt collection agency. Since the time that the debt was deemed to be paid-in-full in XXXX until XX/XX/XXXX, I had received no correspondence from XXXX XXXX XXXX XXXX XXXXXXXX regarding this supposed debt, even though I had continued to use their services during that period. Following the notice of collections, I have attempted several times to get an explanation of the debt from XXXX XXXX XXXX XXXX 's billing department, but they have refused to discuss it, saying that they sold it and can not assist me with anything. They have told me to contact their " Patient Advocacy '' line at XXXX. That is NOT a patient advocacy line. That is a phone number for the debt collector ( AssetCare , LLC ). Not only are they creating fake debts, they are also misleading patients into contacting a debt collector under the guise of speaking to a patient advocate. Essentially, they made up a fictitious debt, never notified me of it, waited for several years for it to become delinquent, and then sent it off to collections to attempt to tarnish my credit and image.
09/09/2022	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 760XX	Web
I had a bill for XXXX following a XXXX in XX/XX/XXXX. I called the medical provider and set up a payment plan. 6 months later, I was contacted by Capio Partners in a debt collection attempt. I spoke with the original medical provider and inquired as to why the payment plan was not implemented. I was informed that there was nothing they could do since 6 months had already passed and it was already turned over to debt collection. I received a letter from Capio Partners dated for XX/XX/XXXX indicating that I owed an amount of {$4100.00}, despite a statement from the original medical provider indicating that I owed {$950.00}. They contacted me on XX/XX/XXXX in an attempt to collect the debt. I sent a letter to Capio Partners via certified mail written XX/XX/XXXX in dispute and asking for them to supply information to validate the debt. Capio Partners responded with a letter dated XX/XX/XXXX showing that they purchased the debt from the original medical provider and proceeded to reverse a discount of {$3100.00} that was granted and never billed to me by the original medical provider. Capio Partners resumed collection call attempts. On XX/XX/XXXX, I called to discuss the letter and dispute the amount of {$4100.00} that they were trying to collect. I was told by the Capio representative XXXX, that the discount was reversed by the medical provider because I did not pay off the bill. I disputed this with XXXX and told him that the correspondence I received from Capio Partners shows that it was Capio Partners who reversed the discount of {$3100.00}, not the medical provider. I informed him that the medical provider never billed me for the extra {$3100.00} and that I was disputing his claims. XXXX asked me questions about what the Capio Partners letter from XX/XX/XXXX stated- even though the letter was generated by Capio Partners itself. XXXX informed me that he could not guarantee that I would not be billed a higher amount than my original debt billed by the medical provider.
04/26/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IA 52240	Web
I am a FEDERALLY PROTECTED CONSUMER I am making this complaint against CAPIA PARTNERS ACCT # XXXX. I reject your offer to contract I did not consent to any nonaffiliated third party CAPIA PARTNERS ACCT # XXXX to be in possession of my Nonpublic Personal Information. I never gave permission to CAPIA PARTNERS use or to be in possesion of any of my identifying information. This is a Violation of GRAMM- LEECH- BLILEY ACT XXXX FDCPA STATES THAT CAPRIO PARTNERS SHPOULD HAVE MY CONSENT TO CONTACT ME PRIOR TO CONTACTING ME WHICH THEY DO NOT HAVE. I don't even know who they are or why there harrassing me. This is a notice to cease and desist all illegal activity and communications. I am not requesting validation of any alleged debt as I KNOW NOW that by them obtaining my Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft 18 USC 1028A. XXXX XXXX XXXX SOLD MY NON PUBLIC PERSONAL INFORMATION TO CAPIO PARTNERS AND CAPIO PARTNERS BOUGHT MY NON PUBLIC PERSONAL INFORMATION ". Based on that I now have reason to believe that THEY ALL are conspiring against me trying to collect on a EXTENSION OF CREDIT through UNLAWFUL extortionate means. There is no TRILATERAL CONTRACT BETWEEN US THAT STATES I HAVE THE LEGAL OBLIGATION TO PAY CAPIO PARTNERS. THE FAIR DEBT COLLECTION PRATICES ACT ( FDCPA ) AND THE FEDERAL TRADE COMMISION ( FTC ) AND CFPB WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME FROM THESE PRATICES. CAPRIO PARTNERS DO NOT TRY TO PUT THIS ALLEDGED FALSE INFORMATION ON MY CONSUMER REPORTS. I AM PREPARED TO SEEK JUSTICE AND DEMAND ALL MY FEDERAL RIGHTS BE PROTECTED, AND ENFORCED AND IM CALLING ON THE CFPB TO ENFORCE AND POLICE MY CONSUMER FEDERAL PROTECTION RIGHTS. I DONT OWE THE CAPIO PARTNERS ANYTHING AND UNDER HIPPA LAWS CAPIO PARTNERS SHOULD NOT HAVE RECORDS OF ANY MEDICAL PROCEDURES PERFORMED THEY ARE NOT MEDICAL PROFESSIONALS AND DO NOT HAVE RIGHTS TO MY PRIVACY. CEASE AND DESIST ALL COMMUNICATIONS NOW.
02/11/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75098	Web	Servicemember
On the morning of XX/XX/XXXX, of XXXX I had a bicycle accident that required me visiting XXXX XXXX and XXXX XXXX in XXXX, TX. As expected there was extensive medical bills associated with my injuries. I took out a Loan at my Bank and also arranged for payment plans for the Bills that were too large to manage directly and paid the others that were smaller. I made my final payment to XXXX XX/XX/XXXX and all accounts were settled. However, XXXX of XXXX I noticed a massive decrease on my credit score and after doing some research I found that Capio Partners address XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX phone XXXX fax XXXX had listed a negative item on my credit. I managed to get in contact with Capio who insisted I has a balance due in relation to XXXX XXXX in XXXX, TX. Although I suspect I was paying this debt twice I paid the amount of {$320.00} on XXXX XXXX just to get the negative item removed. Fast forward to XX/XX/XXXX I received a letter from AssetCareLLC also in XXXX, TX stating I owe a balance to XXXXXXXX XXXX in XXXX, TX. This time I disputed via email on Tue, XX/XX/XXXX at XXXX XXXX providing proof that I have paid the account by showing my credit card receipt with CapioPartners as the payee. XXXX XXXX I managed to get back in touch with Capio Partners and have retained further written proof stating " Your account identified above has been settled in full. '' in relation to XXXX XXXX. However, AssetCare LLC insists that I still owe on this account and I'm certain there is something very unethical going on between Capio Partners, AssetCareLLC and XXXX XXXX as they seems to be charging tactics to coherse people into paying off a balance multiple times. As of XX/XX/XXXX I signed up to XXXX XXXX XXXX to hopefully shield myself from AssetCareLLC making false claims against my credit. While I don't need or want the added expense I'm hoping they will be able to get the item removed quickly if it comes to that.
09/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32065	Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ASSETCARE LLC for committing identity theft. I have never given ASSETCARE LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the 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 documentation requesting validation from ASSETCARE LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ASSETCARE LLC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account 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 ASSETCARE LLC 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 ASSETCARE LLC continues its collection efforts, I will file for litigation for actual damages caused and ASSETCARE LLC 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.
02/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 450XX	Web	Servicemember
In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, Capio Partners LLC, XXXX, TX has placed several collections accounts on my credit report on behalf of a company called XXXX. I have been alerted to these incorrect postings each month through my XXXX XXXX on my XXXX XXXX card. In XX/XX/XXXX, There was a past due amount of {$610.00}. I was able to get this removed from my XXXX Report. I believe there was a second charge, but I can't find the paperwork to give you a past due amount. In XX/XX/XXXX, There were two past due amounts, one for {$260.00} and the second for {$200.00}. These charges showed up on my XXXX & XXXX Report. These two charges were removed from my XXXX and XXXX Reports. I called the XXXX, and there was nothing from Capio on their report, thankfully. The lastest, XX/XX/XXXX, there are two past due amounts, one for {$140.00} and second for {$98.00}. I have placed a dispute with XXXX, it is not showing on the XXXX report, and I need to need still to check my XXXX report on Monday when their offices are open. Additionally, an address for XXXX, OH keeps being added to my XXXX Report. I'm in the process of disputing this as well. I have never lived in XXXX, OH. I have never received services at any XXXX facility. I have never received a bill from XXXX because I have NEVER been a patient! To date, I have placed fraud alerts on all three of the credit bureaus. I have tried to contact Capio Partners, but no one ever answers the phone. I have left a message, but have yet to hear back from them. I have spent probably 12 hours in the last three months trying to resolve these recurring issues. I value my well deserved high credit score, but clearly, Capio is selecting the wrong person and placing negative information on my credit report. I want someone at Capio to look for the correct individual and leave my record alone. Thank you for any assistance this bureau can provide to put an end to this issue.
11/18/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	WY 825XX	Web	Older American
I have disputed the medical debt alleged by XXXX XXXX as they charged me an amount so much more than any competitive hospital or medical provider would have charged for the procedure that I had performed at XXXX XXXX. XXXX XXXX was requested to provide an itemized listing with the corresponding XXXX billing codes and amounts, and they have NEVER provided that list. My review with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Hospital, and XXXX XXXX XXXX showed the amount should have been closer to {$10000.00} to {$12000.00} while XXXX XXXX charged some {$56000.00} per Capio Partners which indicates that XXXX XXXX charged me for more than one patient or willfully and deliberately committed fraud by charging an amount that they knew to exceed what used to be reasonable and customary charges. In addition, XXXX XXXX has been proven to have committed fraud in paying our four top XXXX XXXX executives some {$120.00} XXXX as they sold out to XXXX XXXX, and one of the selling points was the large " accounts payable '' on their books. In addition, XXXX XXXX XXXX was established to address the lack of care that XXXX XXXX provides to XXXX residents as myself as they have eliminated XXXX services and operating theater at the old XXXX Hospital. In short, XXXX XXXX looted the XXXX Hospital to help fund the pay outs to those four XXXX XXXX executives. Capio has not purchased this alleged debt and they have not disclosed how much their fee would be to collect this debt but as a general practice my research is showing much of the medical debt is being discharged at 32-46 % of the original amounts if they met the XXXX billing amounts. In short, XXXX XXXX should recalculate my medical charges with a full itemization showing the XXXX amounts. Capio needs to butt out as they are not medical practioners, they can be linked to fraud as they are attempting to profit from fraud, and they are not permitted to see medical billings per HIPPA.
10/28/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 45237	Web
I received an alert from XXXX regarding a collection opened on my credit report. A collection showed up on my XXXX credit report after me having spoken to a representative of Capio Partners # XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX , Tx . XXXX about two weeks ago. I explained to them that the account which they were attempting to collect for was paid in full to XXXX XXXX for services provided and that i had my receipts. I received a statement from XXXX XXXX ( statement date : XX/XX/XXXX ), amount due : XXXX. I paid the bill in full on XX/XX/XXXX in the amount of XXXX. After receiving another billing statement from XXXX for the same amount, I contacted XXXX who confirmed they had missed appropriated my payment and that they would correct the issue. This was sometime in late XX/XX/XXXX I believe. On XX/XX/XXXX, I opened a dispute with XXXX ; before they had time to receive my documentation, XXXX contacted Capio who told them the information they had provided was accurate. I then in turn received a letter from XXXX dated XX/XX/XXXX, which i received three days ago stating they had investigated and that using the information provided by Capio this negative report would remain on my credit report until XX/XX/XXXX. ( I have worked very hard to clean up and maintain good credit over the years and am very distraught at the damage I saw done. My score dropped 40 plus points overnight. ) XXXX is dragging their feet reopening my investigation, I can not upload my documentation on line because for some reason, after going through their online uploading process, I received a pop message at the end stationg that my request had not been process because the file I was disputing was not in my records even though when i telephoned and spoke with four different people two, they could clearly see the negative account still posted. I need help getting this matter cleaned up by both Capio and XXXX please. Thank you, XXXX XXXX
10/28/2021	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	FL 33426	Web
This company ASSETCARE LLC is in direct violation of the Fair Debt Collections Practices Act. In my opinion they have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of these violations. In XX/XX/2021, I sent by certified mail receipt number : via usps # XXXX, a request for ASSETCARE LLC to provide me with proof and evidence of the debt alleged I owed, and I did so within 30 days of receiving ASSETCARE LLC first notice on XX/XX/2021. In that same letter I also included my cease and desist instructions. After verified delivery of my letter via your office by certified electronic delivery at XXXX on XX/XX/2021, ASSETCARE LLC proceeded to report this unverified account to XXXX Credit Bureau impacting my credit score by a loss of 27 points on XX/XX/2021 screen shot included then ASSETCARE LLC mailed a simple bill dated XX/XX/2021 which is NOT considered a " validation of debt '' by any means. Then ASSETCARE LLC proceeded to contact me by mail XX/XX/2021 with another document claimed statement of account which in quote stated an itemization of medical services we obtained from the medical provider is also enclosed as a courtesy, which reflects a balance of {$0.00} even after the delivery and acceptance of my certified letter on XX/XX/2021. I sent yet another certified letter requesting proof of this account or debt, signed contract with my signature on it, agreement to share my medical records if so with multiple contacts as stated in their communication of at least 3 companies that I am unaware of having any dealings with.
07/20/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 337XX	Web
RE : CAPIO PARTNERS ACCOUNT : XXXX Patient : XXXX XXXX Re : XXXX XXXX Hospital Date of Service : XX/XX/XXXX Balance Due : {$210.00} Dear sir/madam, My name as stated above is XXXX XXXX, represented as the Patient, in position of this erroneous Medical debt of Complaint. The recurring and threatening dun letters first began thirty days from the date of service, XX/XX/XXXX, and have continued in this manner effectively through the most recent date of XX/XX/XXXX, in my receipt of a Certified letter that in summary has been ongoing now for ( XXXX ) years ; this noted, I had first resolved the issue from the onset with the first known Medical debt collector, XXXX, that after providing written documentation of proof to XXXX, they had still made for an erroneous decision to report the medical debt to all three major Credit Bureaus though in end result of my disputes, the erroneous medical debt was REMOVED from all three major credit reporting bureaus, however each of the XXXX times that the medical debt collection companies were sold, and having changed names, I would only find myself right back to this very current position that is still in existence today, which brings me to my point and my reasoning for reaching out to you in my earnest attempt to please provide me with your assistance with this ongoing and senseless issue that has unwarrantably taken too much of my time and effort to cease this erroneous cronyism once and for all, especially given the fact that I work in a highly regarded Government position that is too, driven from an excellent credit report rating versus that of an unwarrantable medical debt collection company that is currently in a Class-Action lawsuit for unfair and deceptive debt practices. Please know that I sincerely appreciate your efforts and any intervention necessary to assist me with this matter. Respectfully, XXXX XXXX
03/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29223	Web
Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : ASSETCARE LLC {$1000.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} Open balance 11 XXXX XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Highest balance {$12000.00} Highest balance {$12000.00} opened XX/XX/XXXX You have 9 inquiries These lenders have accessed your credit file : XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX, XXXXGeneral Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX I Account Number XXXX Account Type Utility Responsibility IndividuaXXXX Date Opened XX/XX/XXXX Status Paid, Closed. {$50.00} written off.
09/23/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77406	Web
XX/XX/XXXX - Initially, a debt collection showed up on my credit from a Capio Collections, this collection was originating from a XXXX XXXX XXXX for {$270.00} back in XXXX. As this was past the Texas Statute of Limitations ( 4 years ) for reporting a collection debt and I had no previous knowledge of it, I disputed it at the recommendation of my legal rep. It was removed from XXXX based off this information. XX/XX/XXXX - I then received a bill from Capio ( again, hadn't heard from them PRIOR to them illegally putting a negative account on my credit report ) AFTER they got removed from my report. This is still past the statute of limitations & I still dispute the bill period. But I also know not to engage the entity directly as this can cause adverse actions since this weird law is now in effect that we protect businesses but not consumers. XX/XX/XXXX - a collection from a Asset Care showed up on my XXXX and my XXXX for the exact same originator and amount = XXXX XXXX XXXX {$270.00}. STILL against Texas statutes and still not legal, still disputed. I disputed with XXXX and XXXX, same dispute facts w/ add'l info about Capio from XXXX. Removed from my reports. Was recommended by reporting agencies to report the Asset Care entity to Federal Trade Commission/CFPB. XX/XX/XXXX - collection from Asset Care for exact same XXXX XXXX XXXX {$270.00} showed up on my XXXX. XX/XX/XXXX - Reported dispute for exact same factors - statute of limitation and no knowledge of bill to XXXX. This is absolutely inappropriate and illegal behavior. This is an old, most likely fraudulent, account that someone purchased to try to get money from me that I do not owe and they are banking on consumers not being wise or resourceful enough, or maybe not wanting to mess with it, scared about the negative credit impact, and willing to just pay it. It's not okay.
10/14/2015	Yes	Debt collection Medical	Improper contact or sharing of info Contacted employer after asked not to	NJ 08742	Web
On multiple occasions, XXXX XXXX identified that he was from Capio Partners and that I needed to pay a medical debt. If I did n't pay the medical debt he was going to notated in my account that I was refusing to pay which would negatively affect me. I requested proof of service rendered and payment was due. To date, I have not received any documentation. XXXX XXXX contacted my employer XXXX additional times ; advising them they are required to pay for it. My employer advised them to stop contacting them. I contacted Capio Partners XX/XX/XXXX who stated the case was with them but with XXXX XXXX XXXX XXXX. They stated Capio Partners has not tried to contact me. However, they subcontract jobs with XXXX and XXXX XXXX. Capio Partners stated they put a request in the file to stop the employment calling ; however they were not able to guarantee it. Capio Partners put a request in the system to provide a detailed statement to my email. I asked to speak with a compliance/complaints office and they stated no phone number was available. They stated the date of service was XX/XX/XXXX for {$460.00}. I then contacted XXXX XXXX XXXX which the debt originated. They stated they were unable to stop the collection agency from contacting me. XXXX stated a bill is due for {$460.00} for services rendered XX/XX/XXXX. The bill must be paid through the collection agency. They also stated the only way to get them to stop calling me is to settle my debt with that company. XXXX XXXX XXXX will be mailing a copy of the bill to the address on file. I asked to speak with a compliance/complaints office but was denied. They stated they would ask their supervisor to contact me. Situations like this make me not want to go to the emergency room or a doctor for fear of the future harassment and threatening posture that is posed by debt collectors.
05/18/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 440XX	Web
Received medical treatment on XXXX / XXXX / XXXX from XXXX XXXX XXXX XXXX in XXXX , OH. Never received any billing on this. I now have a notice from a collection agency dated XXXX / XXXX / XXXX . I called the medical center directly on XXXX / XXXX / XXXX . Informed them they never billed me. Customer service states multiple bills were sent and she only named some dates in XXXX . Informed me they were sent to my current address of XXXX XXXX XXXX , XXXX OH. The problem is this address has only existed for mailing since XXXX XXXX as it is a newly created address. So their customer service is using an address they just updated in their system but would not provide a reason why they did not bill prior to XXXX or actually use my real prior address I provided to them, XXXX XXXX XXXX , XXXX OH. I asked if this is now reported on my credit. The customer service person refused to answer this and told me I had to discuss with the collection agency. XXXX failed on billing and is the responsible party to correct the issue. I am dealing with XXXX and not the collection agency. I expect XXXX to be able to answer and resolve the issue because it is their failure on billing. If they or the collection agency reported this to my credit then XXXX needs to take the corrective action to remove this report on my credit and acknowledge they failed to bill properly. The bill is for {$690.00} and the collection agency ( Capia Partners, XXXX TX ) is offering a settlement of {$590.00}. I am ready to pay the full {$690.00} as I would have if I was actually billed. I need XXXX to be accountable for what they have done to my credit and answer my question regarding my credit record. Customer Service at XXXX should not be refusing to answer my question on an issue they are at fault.
03/27/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL XXXXX	Web
Account Number with XXXX XXXX XXXX / Capio # XXXX XXXX XXXX XXXX/ Capio XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX This company States they purchased a Collection from XXXX XXXX XXXX in XX/XX/2019. With out proper review by XXXX XXXX XXXX or XXXX they allowed this illegal collection agency to put a collection on my credit report. witch has damaged my credit, my credit score and my credit line. due to this illegal action that was taken by 1 XXXX XXXX XXXX for selling a paid illegal incorrect fraudulent bill. and illegally providing my social security number without my consent. 2 XXXX XXXX XXXX / Capio for damaging my credit by not 1st review an original bill from XXXX XXXX XXXX. 3. XXXX 4 XXXX 5 XXXX All for allowing this illegal collection to be put on my report. I have requested multiple times over the phone for XXXX XXXX XXXX / Capio to provide me with an original bill. they send me a bill from there office. Although this illegal and damaging collection has been removed from all three credit reporting agencies. My master card credit card had a credit line of {$8000.00} for the past 3 or 4 years. in XXXX i made a large payment of {$2600.00} and my available line did not change because there was no illegal Collection reporting on my account at the time. The damage has been done. I am a single low income mother, the {$5900.00} dollars I paid towards my master card Credit card bill was in good faith as with all my credit cards I hope to be debt free one day. I have never paid late on any credit card or any account with in my credit report. my credit is everything to me as i have hopes to buy a home one day. I needed the extra money to buy my daughters school uniforms and supplies. I also was going to celebrate her XXXX birthday with the money i paid towards the credit card and was unable to do that.
08/03/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 23321	Web
I had XXXX back in XXXX of 2022 at XXXX XXXX XXXX and am currently and was insured at the time through my current employer by XXXX. My insurance covered most of the cost of XXXX and there were two balances that I was required to pay which both have been fully paid for. Last month, I started receiving harassing calls from a company Capio Partners which I have never heard of. They knew my birth date and home address, so I thought they were a legit company. They went on to say that I owed a balance of {$2500.00} for XXXX by a company XXXX XXXX XXXX. I was completely dumbfounded. Capio stated I owed this amount since I was uninsured. I told the representative XXXX that they are mistaken, and I have insurance and my debts for XXXX were paid months ago. I received two more calls within a weeks ' time regarding this again. I told XXXX 's supervisor that I was sick of the harassing phone calls and that I am not paying anything because I have never heard of this company or Capio nor did I ever receive a bill from this anesthesia company. Anthem also has contacted them on two occasions stating that they can submit a bill to them, and they would review it, but all debts for service were fulfilled by them on XX/XX/XXXX with proof, including {$1700.00} that XXXX actually paid for anesthesia services. So, since this was already paid why am I continuously receiving calls? I am upset that this company somehow got my personal information and is doing false claims. I'm aware that there are numerous complaints against Capio Partners and that they can even go as far as reporting this on someone's credit report. This company needs to be stopped immediately. I want them to cease and desist calling me and saying that I owe this outrageous amount for something my insurance 100 % paid. Proof of payment is attached.
09/28/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 131XX	Web
Collection agency, Capio Partners has called multiple times. Their client is XXXX XXXX XXXX XXXX. On the first call, I advised them that this debt had been paid by my son 's insurance, and I had just finished another dispute with another collection agency the said the hospital had made a billing error. The man was rude, said he would mark it as disputed, but nothing would really happen, I needed to pay it. I asked for a fax number or address to send proof of the hospital 's error, and he refused. He said I would get a letter, which I never did. I explained ( just like my prior dispute ) that this was not my debt, I had never signed my son into that hospital as I was not there, he never saw a doctor, and the hospital had been given his insurance information several times. He said their office just received the debt, so I had to pay it. I asked him to verify the debt with them, as they had just admitted their billing error with a different agency, and he said he absolutely would not. I advised him the governor had put a hold on collection activities due to COVID, but advise me where to send proof it was not a valid debt and I would do so for their records. I also asked that they not call me again regarding this matter. They have called me multiple times since, did not provide any written communication, and immediately reported the debt on my credit file ( the same day, XX/XX/XXXX ), all violations of my very specific requests and rights. More disturbing, it was a direct violation of a government order since the governor had suspended all collection activity during these trying financial times. Additionally, it is incomprehensible to me that a physician would charge {$1300.00} when they never saw the patient, especially when the patient was brought in by ambulance.
05/07/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 24018	Web	Older American
On or about XX/XX/XXXX a representative from Capio Partners, XXXX ( CRL ), contacted me saying XXXX XXXX XXXX XXXX had sent to them three bills that I needed to pay immediately. I disputed these bills and stated I had paid XXXX XXXX for all services they had provided. The representative from Capio gave me an email address, XXXX, to write a formal dispute to Capio Partners. Following is a copy of the email sent on XX/XX/XXXX XXXX XXXX : Recently I received a call from XXXX ( CRL ) concerning three bills from XXXX XXXX XXXX in XXXX, XXXX. The amounts and dates are as follows : {$1100.00} XX/XX/XXXX {$650.00} XX/XX/XXXX {$450.00} XX/XX/XXXX I never received any billing from XXXX XXXX for these charges. They have never communicated with me concerning any further charges. I paid all bills received from XXXX XXXX and owe them nothing. Furthermore, I have found the billing practices at XXXX XXXX too be less than honest. I am disputing these charges and any other charges that may come from this organization. Thanks, XXXX XXXX XXXX is their response sent to me on XX/XX/XXXX at XXXX XXXX : Dear Sir or Madam : In response to your recent inquiry, an itemized statement is being requested and will be mailed to you upon receipt. Please consider this request could take time, so your patience is appreciated. Thank you, Capio Partners This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Calls to and from this company may be monitored or recorded for quality purposes. You may opt out of receiving e-mails at any time by sending an e-mail request to XXXX. To date I have not received any response from Capio Partners or XXXX XXXX XXXX XXXX. I consider their lack of response harassment.
12/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 43560	Web
I have two collections on my credit report from a company called Capio Partners. I have received NO communication from them in regards to these bills. I disputed with XXXX and my dispute was denied because Capio siad it is legit, even though I have never received documents from them. The name of the collection agency does not even show up as Capio, it shows up as a law office. I have had the same phone number for 12 years and I have lived in my home for 4 years. After doing investigating on my own I discovered these two bills were from a facility I visited 2 years ago. The facility was sending the bills to the wrong address and due to THEIR error these two accounts were not placed on our payment plan we've had with them for over a year. We were sent to collections with another company and disputed because we thought we were on a payment plan with XXXX XXXX XXXX believe that company was called Asset Care. And per their supervisor department their rep XXXX did not follow procedure and this account was removed from my credit while an ivestigation was done. We received documentation in XXXX that this was still being investigated. We never heard from Asset Care again. I have never received a document, an email, a phone call or anything from Capio. My wife had an issue with them several years back for doing the exact same thing and filed a complaint. I stay on top of my credit and if I have something due I pay it. But if you don't contact me to tell me I have an outstanding balance what am I supposed to do. After reading several other complaints it seems this is the way this company operates. Why does my credit report say this is in collections with an attorney, but the actual company is Capio? This is unfair and had dropped my credit score by XXXX points!
04/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30067	Web	Servicemember
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
12/19/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 90026	Web
A new Medical Collection was added to my credit on XXXX XXXX XXXX that does not belong to me. AssetCare , LLC ( XXXX ) XXXX Asset care purchased an account on XX/XX/XXXX. I was able to speak to a representative after the first two supervisors disconnected my call without answering any of my questions and concerns Lastly I spoke with XXXX, and I verified this is not an account that belongs to me and they reported the account to the credit bureaus incorrectly. NO efforts to confirm with me that this account is valid. They advised they called once on XX/XX/XXXX and were told they had a wrong number, they then mailed out a letter on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX, I told them this is an incorrect address as the street name is spelled incorrectly, BECAUSE they did not receive a response to a letter AssetCare mailed out to a wrong address they submitted this account without any proof of validation to this account. I asked for a copy of the letter they supposedly mailed out to me on XX/XX/XXXX and they told me they could not provide me with a copy. I requested that they immediately notify the credit bureaus this account is being reported incorrectly and immediate deletion. I received confirmation they would be processing request for deletion pending an itemized bill of the services rendered for that account. They are now in violation of any HIPPA law protecting consumers of their privacy rights. Lastly, I was told once they mail out the itemized bill they will automatically start reporting it as a collection to the credit bureaus, even though they're only attempt to validate this debt was sent to a wrong address. This has caused immense conflict to my credit journey will be requesting costs for statutory damages.
04/29/2015	Yes	Debt collection Medical	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 77385	Web
This collection agency got my medical information and should n't have. I signed statements on all XXXX accounts they have on file that I was indigent when the medical visit to the hospital occurred. I also did n't give the doctors, labs, hospitals permission to disclose my information to this collection agency. They have continuously called various relatives and non relatives telling them that I am going to be held in contempt of court for not contacting them about the disputed bills. Just today, they called my aging mother, my son, and my ex-husband 's wife (? ) saying that I was going to get arrested if I did n't get in contact with them immediately. I spent my entire lunch hour assuring the people that I love that nothing was going to happen to me. This company is very scary and has the tact of an ape. They call at all hours of the day and night. They once called my old job and did n't stop calling till I told them XXXX times that I would get fired for taking their calls at work. I have denied owing money to them for years and have told them repeatedly to stop calling me and my family, friends, and place of employment. I feel that they were given my medical information illegally. I was on food stamps for a few months, applied and was denied unemployment, and was very poor when I visited the hospital XXXX times in XXXX years. Everyone who sent me a bill from the hospital stays was informed that I was indigent at the time. No collection agency should have been given my medical financial information. This company has filed XXXX accounts on my credit report, even though the original dept was taken off my credit records. I disputed these accounts, yet they stayed on my record and continue to harass me every day.
03/12/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 63114	Web
I have mailed and called XXXX and XXXX and also mailed Capio Partners LLC about their violations of me and my credit report. They have committed the following FDCPA Violations HIPPA Law Authorization : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Furthermore, they did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I also requested 1 ) An explanation of what this alleged account balance is for. 2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 3 ) The Agreement that grants you authority to collect on this alleged debt. 4 ) A copy of your state license, including license number that give you rights to collect in my state. 5 ) Please provide a copy of my signature with the provider of service to release my medical information to you. 6 ) Please provide a breakdown of fees including any and all collection costs and medical charges. Their lack response, they have failed to provide such information within 30 business days. According to the FDCPA and HIPAA Collection Laws the requested information above is not a matter of your discretion to provide, you MUST comply with my request. In failing to do so you are in violation of my rights
02/24/2022	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	MI 49426	Web
XXXX XXXX XXXX. and said it was assigned to Capio address XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Texas XXXX sent me a letter on XX/XX/XXXX said they were collecting medical debt for XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$830.00}. The letter was dated XX/XX/XXXX and said I need to respond by XX/XX/XXXX but I didn't receive it until XX/XX/XXXX. I responded with a debt dispute letter I sent this out on XX/XX/XXXX certified with return signature they received the letter XX/XX/XXXX I have received the card back with a XXXX signature on it. I checked my credit report and they reported it again XXXXthe day after they received my dispute letter. On XX/XX/XXXX they received it they sent me out another letter from XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX but this time with the name XXXX XXXX XXXX XXXX XXXX XXXX. but this time saying I owe {$190.00}. It's the same company but they are just putting different company names on the letter head, and they are trying to scare people into paying them I asked them to Cease and Desist until they sent me proof the debt belong to me and if they can legally collect debt in the state if Michigan then they just put a lawyer 's name on the letter. None of the account numbers are mine nor service dates nor amounts they say I owe. One on the service date on both sheets are for XX/XX/XXXX XXXX in the amount of {$57.00} and then the other for {$45.00}. I have never been to the doctor or hospital twice in one day. Plus, I have 2 insurances and have had for about 5 years, and I don't have co-pays, and anything not covered would come directly off of my FSA account. I do not have or ever had an account or signed or signed up for anything with this company.
11/28/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 322XX	Web	Servicemember
I called CAPIO partners bc they sent a text to begin with without my permission and I called in because I wanted to make sure it was valid. Upon calling XXXX my name and the first call was with a young lady and she gave me all my information during the verification which means that anyone can call and say their me and get my personal info that was a flag then I asked her about settling the account according to the text and if it could be deleted she adv she had to check bc she was unsure then a supervisor jumped on adv that she was listening to call but they never advised their was a second person on the line made me uncomfortable and she started asking but provided my personal information to me so I hung up a few days later I called back and got a gentleman and it was the same verification with him giving me all my information when Im the one calling in, Advised him I was aware of the debt they have in office and was wanting a willing to accept settlement agreement letter that said it would be deleted from my credit upon me paying the 50 % he advised me that CAPIO PARTNERS doesnt do that because that would be giving me a receipt for something I hadnt paid for yet and that since I work in collections then I know I can file a complaint if they lie after I pay them the 50 % sif offer and it wasnt deleted I advised him that XXXX XXXX said same thing and I paid and it wasnt deleted and bc I didnt get it in writing I had nothing asked him again for the proof that they will delete after I pay and he said he couldnt advised him I dont want the calls or the text bc I didnt authorize a text to begin with and I would call on my own dont need them to call me until they can get their stuff together.
10/27/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 32208	Web
I received a call from my mother this morning stating that she had received a call on HER cell phone from a woman asking for me. My mother advised me that when she answered her phone from the number XXXX showing a name of XXXX XXXX, she assumed it was a normal call. However, when the woman on the other end asked for me, my mother never provided her a name and asked who was calling. The woman on the other end stated her name and then told her she was calling from Capio Partners and told her that the call was an attempt to collect a debt and so on and so forth. My mother immediately stopped her and advised her that she never told her who she was and that she was releasing personal information on someone else 's account that was not her own which is AGAINST The law! The woman on the other end of the phone said that it is not and she can provide the information. My mother then told her that she previously worked for a debt collection company and she knows for a fact that she CAN NOT provide her the mini XXXX and advised that she is calling about a debt if it has not been confirmed that she is not speaking with the debtor. The woman then became combative and would not disconnect the call. My mother then let her know that she will be filing a complaint. This creditor violated my personal rights! If that call would have been answered by someone else A STRANGER even, my personal information would be someone else 's knowledge! this agency needs to take accountability for their agents mistake! I am well aware of my rights and I want to request that Capio Partners pay me the fine amount due for releasing my personal details. Please review and ensure that I am compensated appropriately!
02/28/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 770XX	Web
Capio Partners , LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX After viewing a copy of my report, I noticed a collection placed on my credit report from capio Partners LLC on XX/XX/2019. I requested that they allowed me to validate the alleged debt because I was unaware of any outstanding medical bills that I possessed and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I was assumed to owe. I asked them to send me validation via certified mail to my address which was provided asking that they provide the following. Please provide breakdown of fees including collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. I was replied with a password protected email from Capio Partners LLC. The email couldnt be accessed and Im not really sure why they sent an email when I asked for any corespondents to respond via certified mail. I contacted the company again upon researching that they are not rightfully bonded in the state of Texas. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Since they not only incerted a collection on my report without validation or making me aware of the alleged debt but they violated Texas law by collecting debts in the state of Texas and not being bonded by the secretary of State.
05/23/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33613	Web
XX/XX/2022 : Assestcare LLC furnished negative information on my credit report without first notifying me a the consumer violation 15 usc 1692 ( f ) A dispute was filed more than five times online with XXXX yet a proper investigation failed to happen until XX/XX/2022. XXXX : the first dispute was filed online report # XXXX My XXXX score also decreased by XXXX points XXXX : ASSETCARE dispute was updated. improper investigation was made. Repport number XXXX the account remained on the credit report XX/XX/2022 ASSETCARE LLC re-aged and re-polluted my credit report by removing then resubmitting the same account. XX/XX/XXXX : account was once again re-aged and re-polluted as ASSETCARE flagged my account for collections, still denying me a proper investigation A letter went out on XXXX and again XXXX for a re-investigation request. At this time i also disputed this online but since XXXX has removed the disputes and their reports to remove their liablilty from this situation. On XX/XX/2022 Another dispute was updated. report number XXXX the date this dispute was filed is now missing or deleted. On XX/XX/2022 : another dispute was filed online report number XXXX On XX/XX/2022 the dispute was updated and remained on my consumer report. report number XXXX This was continued with many of the disputes missing or deleted. Report number on XX/XX/2022 XXXX is proof of that. Assetcare llc has private medical information which is rather embarssing against me and my minor child which they have attempted to use as a way of extortion unsigned affidavit included below In total this company has violated 33 of my rights which totals to {$85000.00} not including damages or distress.
05/11/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VT 054XX	Web
I was contacted by Capio Partners LLC for an alleged debt they claim I owe from XX/XX/XXXX in the amount of {$230.00} to XXXX XXXX XXXX. Capio Partners is attempting to collect this debt on behalf of XXXX XXXX XXXX. On XX/XX/XXXX I contacted Capio Partners via phone to request verification of this debt and was sent an account statement dated XX/XX/XXXX that stated there was a {$0.00} balance and that it was not a bill. They have since not verified the debt further and were sent a formal written notice via certified mail on XX/XX/XXXX ( recieved XX/XX/XXXX ) requesting further verification of the debt with documentation from the original creditor and have not received any contact. It is now XX/XX/XXXX. They are continuing to attempt to collect this debt despite not verifying the validity and ownership of this debt. This debt was paid by health insurance at the time it was issued and the documentation sent by Capio Partners clearly reflects a XXXX balance on the account. They claim in a letter sent with the first collection notice that the reason for the XXXX balance reflection is because the debt was sold to XXXX XXXX XXXX and then purchased by them so the account was paid according to XXXX XXXX XXXX XXXX. This is not sufficient verification that the debt is owed and owed by me. They have put a derogatory account on my credit report for this alleged debt even though it has not been verified and new CFPB rules enacted XX/XX/XXXX state that medical debt less than {$500.00} can not be added to a credit report. They have engaged in numerous dishonest, misleading, and illegal collection practices and are causing damage to my consumer credit report for debt I do not owe.
10/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85048	Web
According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. I Request You to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide us with the details of the system adopted by your organization to determine whether the transaction took place or not. Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following : delete the accounts listed ion the complaint as well as send in remedy for the damages done to me as I am XXXX and in a wheelchair and this has caused severe mental distress to me in pursuant to 15 usc 1681n I demand I be invoiced XXXX for the damages done to the address XXXX XXXX XXXX XXXX XXXX Arizona XXXX
08/22/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CO 809XX	Web
XXXX ) XX/XX/XXXX AssetCare reported XXXX derogatory remarks to my credit report for Medical debt accounts that I have already disputed with them, and do not owe. One debt is for than {$180.00}, and the other one is {$540.00}. XXXX AssetCare reports that the date opened is XX/XX/XXXX, which is also not acurate. XXXX ) XX/XX/XXXX I called AssetCare at XXXX and spoke with XXXX. I informed the rep that I disputed the debt, and requested a XXXX XXXX XXXX, XXXX XXXX, and my consent to share my information with a third party debt collector. - To Date, AssetCare has yet to provide me with the aforementioned information that I requested. XXXX ) Date of Service : XX/XX/XXXX & XX/XX/XXXX - Original Debtor : XXXX XXXX XXXX XXXX, aka XXXX XXXX, XXXX. - Per AssetCare 's documentation on my credit reports they stated they acquired the debt on My Findings after speaking with my Health Insurance provider : Debtor, XXXX XXXX, failed to bill the insurance provider for the debt they have attempted to collect from me, and the Insurance Provider has confirmed there are no charges from these two accounts for the Date of Service they claim that I owe them. In each of their reports to my credit, AssetCare, has given false information for the amount owed, and not provided proof of HIPAA release to allow them the ability to create any remark to my credit. AssetCare has furnished information about unpaid medical debts to credit bureaus without reasonable written policies and procedures regarding the accuracy and integrity of consumer information provided to credit bureaus. XXXX, XXXX and XXXX have been notified of the incorrect reporting, and disputes have been made.
07/18/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	OH 45248	Web
Being on XX/XX/XXXX I started to receive calls for the company referenced in this complaint.. the first call I requested over the phone that they send me validation of the debt that they alleged that I owed. The person on the other end of the line refused to give me their name and began threatening to file criminal charges on me and take everything that I owned. I again asked for them to send me validation of the debt that they alleged I owned the person yells at me and said since I refused to pay they were going to send a warrant to my home county and they would be there to arrest me. I hung up following the threats and yelling.. the next day I received a call from this same company. I asked again for them to send me validation of this debt that they alleged I owed.. these calls went on for almost to weeks. When I received a notification that 2 debts had been placed on my credit report. Without validation without written notice of this debt! According to the Fair debt collection practice act I am to receive in writing the notice of this debt before it is placed on my credit file. Also according to the Fair debt collection practice act and Ohio consumer sale practice act they are not allowed to falsely represent themselves as a law office or falsely accuse me of a crime. This debt has not been validated and has become detrimental to my credit score and has prevented me from obtaining financing! I again want the account removed! Until the company can provide me with the information that I have asked for! I still know nothing about this alleged debt! The amount where it came from nothing.. just threats to go to jail. I want this actions to stop!
11/17/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 34221	Web	Servicemember
XXXX with Capio Partners XXXX XXXX XXXX called me three times on XXXX/XXXX/XXXX and then three times on XXXX/XXXX/XXXX. I had spoke with a customer representative previously after I noticed their company had popped up on my credit report. I faxed over a police report regarding my identity had been stolen during the time frame in question before the aggressive phone collection calls began. I also told the customer service rep previous to the aggressive phone call that I do not owe the amount, it is not my debt and that any communications will need to be in writing. They are not to to contact me on the phone. After the second call on XXXX/XXXX/XXXX, I told the representative to cease and desist all telephone communications. I also told her again after the sixth phone call on the XXXX. I also informed her I would be filing a complaint with the CFPB and sending a certified mail Cease and Desist letter to the company on Monday, XXXX XXXX, XXXX. I informed the representative on the first phone call that the debt was not my debt. I wanted to work to resolve the stolen identity issue and work with the fraud department. I do have a police report as I had to make one for another company that deals with the same time frame as this company they are collecting on. I have asked what the original debt is for and they refuse to inform. They said " it is for something that could be any where in the United States '' and that they " have my drivers license. '' I also explained I am XXXX XXXX XXXX and not able to work. I have very limited income. I will not pay a bill that is not mine. I can provide proof to every statement of my idenity theft and income.
04/02/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 78739	Web
In 2019 I was in the hospital for a serious condition which I am now on full XXXX for. I was on a state medical assistance program at the time which I am extremely grateful for. While in the hospital, they had run some tests. A few years had past and all of the sudden a medical bill showed up on my credit report from a collection agency. I called the collections agency and got the bill that was referenced. I called the hospital and went over the details, they told me I was not not responsible for that and it had been paid through the medical assistance program. They then sent me the receipt of the service that was paid in full. I sent it to the company that had already put it into collections that ruined my credit. I also sent it to the collections company. Time had passed and they sent it back to collections. I went back to the hospital and went over it again. I sent the receipt again showing it had been paid through the medical assistance program. It is very hard for me to deal with all of this, in much pain on XXXX. Ive shown proof and have done everything I can. The hospital sent me the receipt showing paid and said I am not responsible for that, its already paid. They have ruined my credit and caused me much stress while in severe pain while on full XXXX. For a bill that has been paid through the medical assistance program. I have spoke with the hospital many times about this, shown the company the receipt many times. They have ruined my credit over a {$640.00} bill that had been paid and shown proof of payment. Ive done everything I can while on XXXX with open XXXX on my legs and cant even fit into shoes % XXXX of the time.
09/08/2023	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NC 28601	Web
I keep getting phone calls from this company. Firstly I thought it was strange as they had called me from 4 different phone numbers all starting with the area code 925 which is a XXXX XXXX Ca area code. I have a 925 phone number as that is where I lived almost 16 years ago but never changed it as my kids know that number. I finally called back one of the numbers and asked who they were. The lady just kept repeating they were an LLC company. I asked her why there were calling and she said in order to speak to you, I need to confirm your date of birth and proceeded to name off my date of birth. I asked her to confirm for me if they were actually in XXXX XXXX, CA, or if they were somewhere else. She said no we are in TX. I said I am pretty sure spoofing a phone number to another state to match someone's listed area code to try to trick them into answering a call is against the FTC rules. You have to call from your company 's phone number that lists who you are. I am not going to give you any personal info until you tell me who you are and why you are calling and can explain why you are spoofing phone numbers in other states. She said. " Well, then I am going to have to end the call '' and hung up on me. I did a search of them on XXXX and there are dozens of people all saying the same thing. This company has called them from their home state while they are in TX. They have put fraudulent dings on people 's credit reports for medical bills they don't owe, in the wrong amounts, the wrong names, etc. I believe this is a company that is preying on people is deceitful in its practices and is breaking the law.
03/01/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	UT 84005	Web
Capio Partners called me in XX/XX/XXXX and claimed they had a medical debt for {$1700.00} from a hospital visit in XX/XX/XXXX. I had collected and paid all hospital bills related to that visit, even had to hire a patient advocate to help collect everything. They gave me the name XXXX XXXX as the name of the medical provider that I owed. I've never heard of them. I called XXXX. I asked if this provider had attempted to bill me, and asked why they didn't bill my insurance. They claim they never received my insurance from the hospital- except every other provider, even the ambulance, managed to get it. They acknowledged that they had never called me and had only sent XXXX initial notification in XX/XX/XXXX, which I don't recall receiving. Of course I wouldn't have paid it at that point anyway, because they hadn't yet adjusted it for my insurance. But they never sent any further bills or made any calls or attempted to get my insurance info from the hospital. They sent me some kind of financial notification clearly not intended for the patient- it isn't a bill, it doesn't explain who the provider is or what they did for me. I emailed back and asked for a more accurate bill and never got a response. I called my insurance company, and they said they would no longer pay the claim because it's been more than a year. Capio told me that this bill would be my responsibility now. XXXX 's representative told me over the phone that it might be all down to XXXX issues, and that's why it didn't happen. I don't see how that means I need to pay {$1700.00} to a doctor I have no memory of even meeting.
05/12/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	FL 330XX	Web
I specifically deny that this alleged account/debt and/or account stated/implied and/or obligation is certainly mine, if this alleged account/debt and/or account stated/implied is certainly mine, I deny that this account/debt and/or account stated/implied and/or obligated to is authentic and supported by VERIFIABLE and AUTHENTICATED ( under penalty of perjury ) loan level documentation under the FDCPA 1692g ( a, b ). I affirm this alleged account/debt was established without my knowledge, prior consent nor expressed permission. I acknowledge that this alleged account/debt and/or account stated/implied and/or obligation is false, misleading and deceptive ( 1692e ( 2 ) ( 10 ) ) in nature & that there is no VERIFIABLE & AUTHENTICATED contractual agreement nor obligation specifically with ASSETCARE LLC or any of its Affiliates nor have I ever engaged in any business with ASSETCARE LLC in the past and this trespass against me is a result of identity theft. I affirm that this alleged account/debt and/or account stated/implied is false, a grand misrepresentation upon my good name and has caused me injury for which I will seek redress, compensation and settlement. I specifically demand within 15 days of receipt of this affidavit, unmodified, original verifiable valid proof of claim on all claims of alleged accounts stated and/or implied by sworn affidavit under penalty of perjury to the location aforementioned above. I intend on seeking remedy for damages, equitable relief and just compensation for any and all violations of my consumer rights and any other rights not mentioned.
02/03/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 33025	Web
on XXXX XXXX i recived a phone call by a debt collector in regards of a collection that i never have no information about this accounts they are claiming .i do not have any attention on paying this company not a pennies am refusing to pay them.they have herassed me by calling me phone none stop repeatedly.they have violated my rights under fdcpa see15 U.S. Code 1692d - Harassment or abuseA debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except i will not pay this company, if they try to contact contact me again i will file a civil law sue..
06/19/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	PA 17603	Web
I remember in XXXX I had an emergency. I went to XXXX hospital. I passed 2 to 3 hours in the hospital. I had XXXX. I gave all medicaid papers. They made copies of them. After weeks, I received a bill amount of {$850.00}. I called them for explanation. They couldn't justify this amount. I called next Florida Department of Children and Family ( DCF ) who gave me the medicaid. They told me they already paid the hospital. You can investigate. After 2 or 3 months Florida medicaid ( XXXX ) sent me a letter asking me if I recognized that the hospital gave me this service at that time. Florida medicaid finished this letter to let me know they are trying to control fraud.I responded Florida medicaid yes I recognized this service and I take advantage of this opportunity to let them know that I received an other bill ( {$850.00} ) while DCF had already paid for the service the hospital gave me.I included the letter that they sent to me in the correspondence sending to Florida Medicaid. They sent after this account to the collections. XX/XX/XXXX collections account removed. 2 weeks ago they sent to me a letter where they explained me that the account ( {$850.00} ), the debt, is sold to an other entity ( XX/XX/XXXX ). So, making a glance at my credit score today I see that it has been decreased at XXXX. ( Less 31 pts ). I am convinced that this decision is unfair. If you want to justify ; you can contact Department of Children and Family ( DCF ) for more information. The service was provided to me by the hospital on XX/XX/XXXX. I am sure you can retract it. Thank you XXXX XXXX
07/19/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	OH 458XX	Web
The original debit was to XXXXXXXX XXXX XXXX in XXXXXXXX XXXX XXXX XXXXXXXX health center never been contacted by XXXX XXXX to pay the debt or to make an agreement with the hospital to pay the debt. after they filled the bill improperly to the insurance, Instead, they decided to send the debt to a collector in XXXX XXXX XXXX XXXX debt collection laws because as live in XXXXXXXX. They have sent me repeated letters that say that my information was sold from the hospital to them, along with the debt in an attempt for them to collect the debt. they call me multiple times a day from multiple different robot numbers changing their number multiple different times they call me while Im at work. The debit collection agency Capio partners ( XXXX XXXX XXXX ) never once informed me on their intentions to purchase my debt and to collect. Nor did the hospitals, tell me their intentions to sell my debt to the collector so that I could handle the debt before it even reached this point, My personal information my email my address and my phone number have all been sold to this company in XXXX for an debt less than {$2000.00} without even contacting me or trying to consolidate it not once did I ever make verbal or written agreements with this company or with the hospital for my debt to be moved or displaced anywhere other than with the company I had made the treatment agreement with this is an obvious method of subterfuge used by this company and by the hospital to collect this debt how they didnt violate my doctor-patient confidentiality right is beyond my reasoning
10/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 723XX	Web	Servicemember
Several months ago I pulled my credit report and I found numerous of errors due to improper reporting and compliance. I reached out to the companies but they all refused to help me resolve the issues. More Specifically, I am referencing the fact that they are reporting incorrect account balances, incorrect credit limits, etc. In accordance with the Fair Credit Reporting Act Account # 1 Capio Partners LLC has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. In accordance with the Fair Credit Reporting Act Account # XXXX XXXX XXXXXXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. In accordance with the Fair Credit Reporting Act Account # XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. In accordance with the Fair Credit Reporting Act Account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
04/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	FL 33409	Web
XXXX. I have had a collection account ASSETCARE LLC XXXX XXXX XXXX XXXX File number XXXX disputed several different times with XXXX. The collection amount shows {$630.00}. When it first appeared on my XXXX report two years ago I called the collection company and asked them to send me the information regarding the charges to verify accuracy. They refused to speak with me unless I provided my social security number. I disputed the account with XXXX and they removed it from my credit. One year later the same collection account appeared on my XXXX report. I disputed it again and was told by XXXX that they verified it to be accurate. XXXX refused to provide me with the documentation that the company sent to XXXX to prove this was my account. However, XXXX removed it from my credit report. This same collection account appeared on my credit report this year. Again I disputed with XXXX and they have returned the dispute as a verified account. I believe this collection account to be fraudulent. Every time the collection account has been added to my XXXX report they have changed the date which says when the account was opened. This current account is stating it was opened XX/XX/XXXX. Clearly, this is not accurate since I have attempted to dispute this account for two years. The initial collection from the XXXX report believe says it was opened in XX/XX/XXXX. I have no knowledge of this account and have never been provided with a bill for services. I would like XXXX to remove the collection account from my credit report.
11/11/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30277	Web
on XXXX separate occasions totaling in 120 days or more, I have requested validation of this account. they have refused to send me any documentation regarding this account. This is in total violation of the FCRA. They have neglected to respond and remove this account for failure to respond my last letter is sent was along the line of ..... This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have XXXX days to cure. THEY NEVER RESPONDED they also stated that the medical facility stated I authorized other medical providers to access my account. I informed them THAT THEY ARE NOT A MEDICAL FACILITY, THEY ARE A COLLECTIONS AGENCY. I ASKED THEM TO PROVIDE ME WITH THAT INFORMATION OF A RELEASE TO THEM AND THEY SAID THEY WOULDNT {$2000.00}, {$2100.00}, {$1200.00}
05/24/2022	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	LA 707XX	Web
I attempted to verify an incorrect debt on my credit report. On XX/XX/22, I sent a debt validation letter by mail to Capio Partners located at XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. On XX/XX/22, this company sent me a response stating that they did not have sufficient time to complete their investigation. Then, on XX/XX/22, I received another letter stating that the original creditor sold this debt to XXXX XXXX XXXX, and then XXXX XXXX sold this debt to Capio Partners. Also, enclosed was a " statement of account ''. This statement was NOT a letter from the original medical provider. There is also very specific and personal diagnosis and treatment information included on this " statement of account ''. According to the Department of Health and Human Services, if debt to a medical facility goes unpaid, the facility has the right to take measures to collect the debt, including selling your personal information to a medical debt collector. The information that can be provided to the collector is limited to your name, address, social security number, birthday, payment history, and location and name of the facility you were treated in. While this seems like a lot of information, the medical facility CAN NOT disclose the nature of your treatment to the collector. By including these details, the medical collection ARE IN DIRECT VIOLATION OF HIPAA REGULATIONS and can face fines. I would like this debt to be removed immediately from all credit reporting agencies or I will have no choice but to seek legal action.
03/06/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NM 880XX	Web
In the beginning of XX/XX/XXXX I received a letter from XXXX XXXX, a debt collection company for three separate medical debts originating from XXXX XXXX XXXX. The letter sent to me, by XXXX XXXX was dated XX/XX/XXXX. To my knowledge these accounts had previously been resolved by insurance with XXXX XXXX XXXX, if they were not covered by insurance I never received a phone call or a letter indicating that I had an outstanding balance. This is the first Ive heard of these debts that are supposedly from the years XX/XX/XXXX and XX/XX/XXXX. When I contacted the XXXX XXXX they stated that they received these debts on XX/XX/XXXX and I had 30-45 days to set up resolution with them before they reported the debts to the credit reporting agencies. Mid XX/XX/XXXX I sent XXXX XXXXCarpio Partners LLC a debt validation letter, to which they state they never received. After contacting them twice to see if they have received the letter, which they had not I decided to set up resolution. I will be closing on a mortgage in the beginning of XX/XX/XXXX and can not afford to lose my home to an unverified debt being placed on my credit report. After being assured this debt has not been sent to the credit reporting agencies yet but will be any day now, I paid XXXX XXXX a down payment of {$850.00} today XX/XX/XXXX, and set up a {$25.00} a month payment plan in fear of this debt being placed on my credit report. Paying the {$850.00} has put me in a hardship with my other bills, all while not knowing if this was a valid debt or not.
12/05/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32818	Web
Capio is a bottom feeder collection agency that buys debt that was already proven not to be yours & they buy it with hope of bullying you into paying a debt that you do not owe. I was contacted by Capio XXXX XXXX about a hospital bill that I did not owe. The previous company that had this debt XXXX soloution was sent information from both my XXXX XXXX company Primary & Secondary that proves I have no outstanding bills or outstanding co payments. The then sold it to another company because they couldnt collect on it. I wrote a letter to then stating that I dont owe any outstanding hospital bill & they reply that they have close that account & return to client. Being the desperate company that Capio is they wrote me another letter XXXX XXXX Stating that I owe another bill for a different amount {$200.00} I then contact both Insurance company again & They contact the hospital that are stating the bill generated from & was proven I owe no hospital bill from the date they are stating. I wrote a reply certified letter after our investigation on XX/XX/2022 I ask the company if I owe them please provide me with the original bill & a breakdown of how they came up the the amount that they are claiming I owe them. Anyone can write a letter with an amount on the company letter head saying that someone owe them but the much provide supporting documentation. The company did not reply to my letter for validation of the debt. What they did was put it on my credit with no proof of me owning the hospital bill.
09/06/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33618	Web
in accordance with the fair act reporting act ASSETCARE LLC Account # XXXX has violated my rights. 15 USC 1681 Section 602 States i have the right to privacy. 15 USC 1681 Section 604 A Section 2 is also states a consumer reporting agency can not furnish a account without my written instructions. in accordance with the fair act reporting act ASSETCARE LLC Account # XXXX has violated my rights. 15 USC 1681 Section 602 States i have the right to privacy. 15 USC 1681 Section 604 A Section 2 is also states a consumer reporting agency can not furnish a account without my written instructions. in accordance with the fair act reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 15 USC 1681 Section 602 States i have the right to privacy. 15 USC 1681 Section 604 A Section 2 is also states a consumer reporting agency can not furnish a account without my written instructions. in accordance with the fair act reporting act XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 15 USC 1681 Section 602 States i have the right to privacy. 15 USC 1681 Section 604 A Section 2 is also states a consumer reporting agency can not furnish a account without my written instructions. in accordance with the fair act reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 15 USC 1681 Section 602 States i have the right to privacy. 15 USC 1681 Section 604 A Section 2 is also states a consumer reporting agency can not furnish a account without my written instructions.
09/30/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78501	Web	Servicemember
I received a bill NOT A VERIFICATION on XX/XX/2021 XXXX by CAPIO PARTNERS for {$2200.00} and as allowed under the Fair Debt Collection Practices Act, I have requested them to allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX XXXX, but I am unaware of the amount due and the bill sent does not include a breakdown of any fees AND/OR interests occurred. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do NOT recall giving permission to XXXX XXXX XXXX XXXX XXXX for them to release my medical information to ANY third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. I will send a OFFICIAL NOTICE and last request for a VALID debt validation with the following. 1. ) provide breakdown of fees including any collection costs and medical charges. 2. ) Provide a copy of my signature with the provider of service stating to release my medical information to said collection agencies. 3. ) Cease any credit bureau reporting until the debt has been validated by me. 4. ) CORRECT INFORMATION ABOUT ME BECAUSE NO SOCIAL IS LISTED AND ADDRESS PLUS NAME IS WRONG AND THIS WILL ESCALATE WITH LEGAL ACTION AGAINST COLLECTOR AND THE FEDERAL GOVERNMENT FOR BOTH CFPB AND HIPPA VIOLATION
01/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 349XX	Web
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND YOU GUYS HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
03/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 02115	Web
On XX/XX/XXXX I got an alert from my credit score indicating that I had a new account open with a Derogatory Remark from ASSETCARE LLC for an unpaid collection of {$980.00}. I haven't received any communication from this company before in any way ( phone, mail or email ). Since I had no knowledge of any unpaid amounts, I reviewed my statements from my healthcare providers and insurance companies and confirmed that I didn't have any unpaid amounts with them. Days later, the name of the company in my credit report changed from ASSETCARE LLC to COLLECTION. I send a certified letter to the address listed on my credit report ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ) requesting supporting documentation for that debt. The current status of that letter is that it was " forwarded '' due to " forwarding instructions or because the address or ZIP Code on the label was incorrect '' ( the address was exactly the same as listed on the credit score report ). As a result of this Derogatory Remark, my credit score fell by +100 points. Given that the ASSETCARE LLC / COLLECTION is not responding to my mail, the fact that I have no knowledge of the source for this Derogatory Remark, the change in the company name in the credit score report, and the complete lack of communication from ASSETCARE LLC / COLLECTION before affecting my credit score, I request that they provide information supporting the Derogatory Remark and that they delete it from my credit score if they are not able to provide it.
11/13/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33409	Web
I have now have four medical debts that were once removed reappear on my XXXX credit report. When I disputed 1 of the 4 all which was from the same company AssetCare LLC were removed. The other three were not. This is my second credit report that AssetCare LLC has reappeared on. I was never sent any type of letter from AssetCare stating that they would be adding any debt to my credit report so I had no idea and I di not have a chance to ask them for proof of debt or to advise them that they are not licensed in my state as a collection agency before the debt was added to my credit report, I did advise XXXX that these were not my accounts and they were removed in the past. Also that in XX/XX/XXXX 2016 the accounts were under Capio Partners LLC and once I disputed, all were removed. Capio Partners LLC is just another name that is under AssetCare LLC.Then I also stated to in the latest dispute letter to XXXX that AssetCare LLC is not licensed in the state of Florida ( which is where i reside ) to be a collection agency. Also I asked for proof since AssertCare and XXXX states this is my account and was verified by AssetCare LLC. All I received back from to my request for proof from XXXX was that the accounts were verified and that I could file a report with CFPB. I tried calling and still get the same result. I have done everything I feel I can do and still have not had the proper resolution. I am attaching all the proof I have to show I disputed all the bills and the results that I received.
02/06/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 362XX	Web
Assetcare is in violation of the fair debt collection practice act. I have attached a letter that shows all the violations. They also sent this letter to the wrong address and the mail lady gave it to me because she know me.All violations is listed below 1. 15 usc 1692c ( a ) communication without prior consent, expressed permission, I never gave them consent to contact me and they sending fraudulent letters without my permission. 2. 15 usc 1692A or 803 ( 6 ) clause ( f ) any creditor who in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts.The letter attached shows they are attempting to collect this alleged debt in another company name which is a violation. 3. 15 usc 1692J furnishing certain deceptive forms is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief.They sent a false letter with my personal information which is a violation. 4.15usc 1692 ( f ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt or permitted by law.I have no contracts nor agreements with this company, the letter attached shows assetccare says I owe this alleged debt and I dont which is a violation. This letter have no signature nor person name listed on the letter. This letter is false and they stole my personal information and is using my information for their personal gain.
08/18/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29611	Web
Received alert from XXXX Credit monitoring about a new collection added to my report on XX/XX/2019. Checked report, there was an entry for a collection with Capio Partners llc., for the amount of $XXXX. I have not been contacted at any time from this company. I have not received any written communication about this debt. This debt is over 5 years old and is beyond South Carolina statutes of limitations. This collection has bounced on and off of my credit reports 3 seperate times, under different company names found to be affilliated with Capio Partners llc. The previous one, just earliar this year was from Assetcare llc., which I also never received any type of communication or written notice. This debt has been disputed several times, resulting in removal from credit report, just to pop up again later. I believe the company to be using debt "parking" techniques in order to attempt to collect this old debt, and to be monitoring my credit scores to try to attempt to collect over and over again. I am in the process of rebuilding my credit, and my credit scores have increased significantly in the span of just the past 2 months, that is why I believe they are monitoring my scores in order to try to continue to collect on this repeated bought and sold debt, for this is the 2nd time this has occured. The last time when it was reported under Assetcare llc. was also at a time I had my credit scores increase in a short period of time. Coincidence, I think not. This has to stop!
08/01/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33311	Web
On XX/XX/2018 I reviewed my credit reports and found that there was an account reporting inaccurate information in my credit files. This account is reporting as a charged off account with a balance of {$500.00}. I wrote a letter and mailed it certified delivery to Capio Partners LLC and requested full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation including competent evidence bearing my signature and instrument used to secure a contractual agreement where I am obligated to pay you. I made it clear in my letter that the negative marks found on my credit report from the ( 3 ) reporting bureaus from their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated you must take steps to have all reporting bureaus delete this entry. It is now over the 30 day time frame since the mailing of my request to Capio Partners LLC on XX/XX/2018. This company is in violation, they are out of compliance. Under advise, I wish to informed Capio Partners LLC that I am prepared to take steps and file a small claim in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things : 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports
01/28/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 20774	Web
Be advised this is not a refusal to pay, but notice that your claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you for three accounts ASSET CARE LLC Account # XXXX Amount {$180.00}, {$140.00}, {$580.00}. NOT who you have been paid by a third party. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt to you. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you ( Asset Care LLC ). Please validate that this debt belongs to me and please also show me the original contract. I am sure your legal staff will agree that non-compliance with this request could put your company in serious trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. If your offices fail to respond to the validation request 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file.
05/25/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 223XX	Web
Capio collections agency, has continuously called my phone attempting to receive payment of debt that I do not have with XXXX hospital in XXXX, Virginia. The agency 's reps. claim a balance of {$960.00} from a visit to the XXXX on XX/XX/2020 was sent to their collections agency on behalf of the hospital. However, I am fully insured and have contacted the XXXX hospital billing department numerous times regarding the alleged balance, and they have informed me that I do not have a balance nor have any past or present bills sent to collections. The XXXX billing department has also informed me that they don't have partnerships with the Capio collections agency to collect patient debt on their behalf. More importantly, the Capio collections agency has knowledge of my all of my information such as, social, full name, address, and account number with XXXX hospital. Many of the representatives sound un-professional and lack customer service etiquette working with the Capio collections agency. They have also sent letters that I no longer have or can find mimicking an actual debt collections agency report. I am reporting the agency as fraudulently trying to receive payments from patients and harassing me with constant calls regarding the made up debt. The number the collection agency has called from includes a local area code, but each time I call a different person answers as if the calls are diverted to different phones. The phone number they last called from was ( XXXX ) XXXX.
11/16/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33161	Web
Capio Partners XXXX XXXX XXXX XXXX XXXX XXXX Re : Inaccurate accounts & Unauthorized inquiries, claiming I owe, threatening to take me to civil court. To whom it may concern : You have continuously reported inaccurate accounts and unauthorized inquiries on my credit file. I am in distress, I have contacted the police department to file a police report against all companies I have listed below, I have also contacted the Federal Trade Commision informing them of the violations that you have violated me as a consumer within the laws of The Fair Credit Reporting Act, The Debt Collection Practice Act Sections 1929 ( e ) which clearly states that any information known to be false can not be reported to any credit bureau. I also received a letter in the mail claiming that i owe a debt to the above collection agencies. Since this is an error, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. I request that you immediately delete this information from my credit report. Please send me a copy of my updated credit report as soon as the above has been completed. Sincerely XXXX XXXX
08/20/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 44052	Web
Around XX/XX/XXXX, I began making payments of {$100.00} every month on the XXXX to a company called XXXX XXXX XXXX, payments which stopped coming out of my account around XX/XX/XXXX. I believed this was because either, I had just filed and been accepted for medical insurance assistance and that was helping me to some degree, or because of Covid-19, payments were paused. However, a new account was opened on my credit report from Capio Partners ( mispelled on the credit report as Capio Parnters ). This was added as a debt of about {$1800.00} which is around the price of my medical bill remaining. The problem is, I was never contacted about Capio Partners taking control over the debt collection from XXXX XXXX XXXX if that is what happened. And more so, I still have two accounts from XXXX XXXX XXXX ( both around {$500.00} ) that I had always assumed was just a weird reporting method as my payments always seemed proportional to what was removed from my credit report. I now allegedly have three derogatory marks on my credit report ( two from XXXX XXXX XXXX never contacting me and simply being unaware that I had a debt to pay, and one from Capio Partners for doing the same ) all for the same debt that was simply not explained properly to me during any given point. I was never called, emailed, mailed, texted, or informed by a person that I hd a debt through XXXX XXXX XXXX until a phone call two months too late and the same thing appears to be happening with Capio Partners.
06/25/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	AL 35007	Web
Capio Collections bought an old medical debt of mine. Instead of updating the Credit Burearu with the new information on the same account, they created a new account number with the same debt. I was n't even aware the account had been sold until I contacted the original debt holder, and they told me. I called to make arrangements with them XX/XX/XXXX, and after I called they proceeded to report the account as new debt a week later. I believe the limits to the amount of time an account can report are in place to protect consumers from lasting financial damage due to hardships. I have worked extremely hard to get my credit corrected, and pay off all the old medical collections I could. I believe this account has aged enough to come off of the report, and then the orignal debtor changes the amount, sells the account, and puts it back on as new debt. My husband and I are trying to purchase a home, and this is a huge barrier for us. I believe these type of practices by debt collectors should be considered unlawful. I would like for Capio to either update the original entry, or if by law it has already come off the report, then remove the new entry. This company should not be able to re-penalize me for 7 year old debt. The account number is XXXX. I would be happy to work something out with them if they would report this accurately to my credit report. This is the second incident this year I 've had with a debt collection agency using tactics such as these.
07/16/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33880	Web
I received numerous amount of letters started XX/XX/2021 about a medical bill saying that Ive visited their department or a 3rd party department owing ( {$2100.00} ) which is incorrect, I havent been to a hospital in over 10 years I have my once a year check up with my doctor which is covered by my 15 years of medical health insurance. I contacted the collectors asking if they could validate the information because I dont have any idea how this could have happened. I have also asked the collector to show me documents of the initial visit or whatever information they having claiming was me, I sent a few letters to the collector throughout the months as well as one to the credit bureaus, As results was not received in a timely manner i received a notification about 50 days later from the credit bureaus that my file had been update only to find out it stated all information was correct, That is definitely false information because it was not me, I received not one letter in the mail about an investigation or about information being validated, I dont know who they think they are but I would know if Ive ran up a bill Im a responsible adult not a child I always pay my bills, I received no letter or response back from them personal showing me that I initiated the response. Its been months since I last reached out to them, I had a lawyer advised me to file a complaint with you guys to get to the bottom of this.. Thank you for taking the time to read this!
07/19/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33172	Web
Good morning, I arrived in the USA in XX/XX/XXXX and I immediately applied for an insurance trough Healthcare.gov ( XXXX ) but unfortunately I couldn't apply till XX/XX/XXXX. So I decided to renew a traveler health insurance that I had in order to be covered. In XXXX I had an accident ( a XXXX XXXX XXXX and I went to the Hospital. I gave them all the information about my insurance and I was cured. In XXXX I obtain an insurance with the Healthcare ( XXXX that is my insurance provider ). Few months later I received a bill for the entire amount from the Hospital and I call them several times in order to collect the money from my insurance. I absolutely don't recognize the debt because I was fully covered by an international insurance and I can not be responsible for the hospital accounts receivable.. I'm not a collector. In XX/XX/XXXX I moved to XXXX so probably all the communication arrived in XXXX where I was living a couple of months. I was a credit officer in XXXX and I moved here in USA to have a better future for me and for my family. My credit score was excellent ( XXXX ) and I decided to buy a house because I had finally a good credit score and I was working for an international company for more than one year so I had the requirements to apply for a mortgage at good rates. Yesterday I received a notification ( from XXXX ) that I had a collection account. My credit score dropped by 83 points to XXXX and it's for a debt that is not due.
12/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32225	Web
I have continually submitted to CAPIO PARTNERS that this is NOT my debt. I even reached out to the original place of business, a hospital : XXXX XXXX XXXX, & was told this debt does NOT exist, there is NOTHING listed under the patient name. Not even a visit. They have yet to provide proof of debt, only stating original debt came from XXXX XXXX XXXX on XX/XX/2023. No proof of account holder, original date of debt, original account holder, original place of debt, names on the accounts, original debt amount, original bill NOTHING. My attorneys have told me what to put in the account statements when disputing the debts. It continuously came back as verified when saying things like I had no knowledge or this belonged to someone else, like insurance. Only until I reached out to the originating hospital to find out that insurances did take care of the ONE bill, did my attorneys say to report the collections as fraud. Then & ONLY then was it acknowledged & removed. But like I said I had to report this MANY times & have proof of those submissions. That is why I am reporting them. To say this debt just occurred in XX/XX/2023 & is verified when it is WELL over 6 years old is fraudulent & a huge scam on CAPIO PARTNERS XXXX XXXX XXXX XXXX as well. Please look into these companies : CAPIO PARTNERS XXXX XXXX XXXX XXXX as theyre putting astronomical debts on peoples credit without ANY verifiable proof!! Thank you for your time.
03/14/2019	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 34482	Web	Servicemember
I had an old medical debt from XXXX that was resolved with the provider. Capio partners apparently purchased the debt in XXXX of XXXX and immediately put it on my credit report ... not only once, but they duplicated the collection two other times using various names of their same company.They put very similar amounts owed ( must have been willing to take a bit less on one to make it look like two different accounts ) and then you their are two separate names of the collection agencies however they are on EXACTLY the same parkway, " XXXX XXXX '' in XXXX Texas with slightly different suite numbers! They are doing this because I told their collection person who called me that I was in the middle of a mortgate ( mistake # 1 ) and then they IMMEDIATELY generated THREE separate bogus accounts on my credit for the most impact to my score!! When asked to verify, I still have not heard a response and for some reason the credit bureaus have said that the dispute was not supported so the information remains!! How does that happen?? They are literally creating double and triple jeaporady and they are the SAME COMPANY!! Capio Partners and XXXX XXXX FIRM ... BOGUS and ILLEGAL! Not only that, the original debt was listed as a charged off account with XXXX and I paid it to them! Even if Capio purchased a debt from someone else, it was a charge off and should NOT be reported as an OPEN ACCOUNT on their records, further harming my credit!
08/25/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	LA 70810	Web
In XXXX of 2014 I pulled a copy of my credit report and noticed a collection for {$1000.00} reporting with a company called XXXX XXXX XXXX. Because I had no clue as to where this account came from or who they were, I requested documentation to validate the account was mine. XXXX XXXX was unable to do so and they sent me a letter deleting the account from all XXXX credit bureaus. Nowhere in this letter does it say they sold the account to a different collection agency nor did I ever receive any communication whatsoever from Capio Partners giving me 30 days to dispute the validity of the debt per the law. I called them on XXXX XXXX and spoke to XXXX of Capio Partners representatives and asked if they had ever sent anything to me in the mail and they stated they had not. They also never sent anything following that phone call since it was the first point of contact they are given 5 days to send a letter regarding the collection account giving me 30 days to dispute the validity. Instead I sent them a letter requesting validation and besides the fact that they never notified me of them obtaining this debt, they have an itemized statements of my supposed medical records but do n't have a HIPPA release with my signature nor a promise to pay with my signature. This is extremely fishy to me and the fact that they did n't follow the laws from the beginning means this debt is illegally reporting on my credit report.
08/15/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27360	Web
I noticed an account with the name Capio Partners under my collection accounts. It mentions that I have {$720.00} to pay off. The report was placed on XX/XX/XXXX. My credit score dropped drastically by 89 points after this change. The account is associated with XXXX XXXX XXXX. I called the company. They mentioned that it's associated with XXXX XXXX XXXX and they were not being specific, eventually asking me if I wanted to pay it off now or set up payments. After that day I kept receiving repetitive calls. They mentioned payments that go back to XX/XX/XXXX. I don't recognize this account or name at all. I am sure I have nothing due. All my physicals, medication, and visits have been covered by XXXX. I have attached proof of my XXXX XXXX. I was never aware of this. I never received bills that were due. My hospital verified that my account had nothing due. I'm at the age of XXXX and I have been paying all my bills on time, car insurance, and my XXXX XXXX Credit card. I have not missed any payments. I have been paying my monthly bills in full statements. My score was at XXXX and it dropped to XXXX. With further proof, it states in the XXXX website " This business currently has nearly 696 complaints filed with the Consumer Financial Protection Bureau ( or CFPB ) and roughly 387 with the XXXX XXXX XXXX. Many complaints are about inaccurate reporting and/or lack of response to debt verification requests. ''
09/10/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 220XX	Web
I recently filed a 3 dispute with XXXX XXXX XXXX over false claims that did not belong to me on XX/XX/XXXX. The same false claims are showing up 5 days later on my report once again under a new collection agency known as Capio Partners, the old claims are broken down into 4 different claims now starting from {$100.00}, {$100.00}, {$650.00} and {$180.00}. Capio is attempting to collect fraudulent collection from XXXX as an new collection.False/Negative claims appeared on my credit report between XX/XX/XXXX. Regarding a hospital visit from XXXX that I have never been to. I had no information about the collection agency prior to just appearing on my report. I contacted Capio Partners on XX/XX/XXXX. Reaching REP XXXX who was very unprofessional during the call all because I told XXXX the claims weren't mine he began to interrogate be putting words in my mouth I didn't say as if he was belittling me for trying to straighten false report. I never felt so uncomfortable while speaking with a REP until today. I asked to speak with a supervisor ( XXXX ) located in TX who muted the phone and also insulted me as if I couldn't spell a simple word. Everyone I spoke to was no help which is a headache and so draining when I didn't make the claims and this is the company I have to speak to regarding my negative claims on my report. I shouldn't feel like I'm in an interrogation when speaking with collections agencies.
03/22/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 322XX	Web
have recently reviewed my credit report and noticed you have assigned the above referenced account to a third party debt collector. Since you are an organization covered under the HIPAA Privacy Rule ( and I do not recall giving you permission to release my medical information to any third party ), provide me the following : A certified copy of an original contract, showing my signature, specifically authorizing the release of my medical information to a third party. As you know, the Health Insurance Portability Act of 1996 ( HIPAA ) p rotects my privacy and medical information from unauthorized disclosure. Any violations of the Privacy Rule are investigated by the Office for Civil Rights ( OCR ) of the U.S. Department of Health and Human Services. If you released my medical information in error, and this matter is coIrected within 30 days, there will be no reasonable cause for me to file a complaint with the OCR In addition, I request you contact the third party debt collector assigned this account for notification purposes. Their name and address is : ( Name ), ( Address ), ( City, and State & Zip ). If you can not substantiate I authorized the release of my medical information within 30 days. and collection activity continues ( including derogatory reporting to the credit bureaus ), I will have no other choice but to file a complaint with the OCR against you and the third party debt Collector
12/04/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60048	Web
To whom it may concern : On XX/XX/XXXX I was notified through XXXX credit monitoring that a collection appeared on my XXXX credit report from Capio Partners , LLC for {$500.00}. After contacting the company, I submitted a credit to all three bureaus as this was not my debt nor a provider I was familiar with. After investigation, the items was removed from all three credit reports mid-summer. However, after the item was removed, it has reappeared under a slightly edited name on XX/XX/XXXX and again on XX/XX/XXXX. Instead of being listed as Capio Partners , LLC it is now appearing on my report as XXXX XXXX XXXX/CAPIO Partners. As reported previously, this is not my debt. The continued appearance of this on my credit report is causing undue harm as I am in the middle of a home equity loan approval process. The reporting not once but twice within 3 weeks caused an 88 point drop to my credit score. I believe the name change combined with reporting this incorrect item twice in less than a month is an abusive practice. This is not my debt and was previously resolved. I am hoping the Bureau can assist me in getting this resolved. I have reached out to all three bureaus for assistance, but I am concerned the company will continue this practice and just keep changing the name and submitting to my credit report. As this is not my debt, I want this error permenantly cleared. Thank you for your assistance.
12/08/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NC 28214	Web
Fair Debt Collection Practices Act Violation There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. XXXX XXXX XXXX Located at XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX is in Violation of The Fair Debt Collection Practice Act 15 U.S.C 1692 against me, XXXX XXXX as of XX/XX/2023. On XX/XX/2023, it was brought to my attention that Asset Care LLC furnished negative information to the Credit bureaus against my XXXX XXXX XXXX, in violation of 15 U.S.C 1692 ( a ). See. Attachment. I XXXX XXXX never received notes of this alleged debt from Asset Care LLC in violation of 15 U.S.C 1692 ( g ) ( a ) and was never afforded the opportunity to dispute this alleged debt in violation of 15 U.S.C 1692 ( g ) ( b ). This negative reported information has grossly affected my ability to borrow money from any Finincial Institutions and has affected my credit worthiness. Along with this Complaint, a Formal Complaint will be filed with the of office of XXXX XXXX XXXX, Attorney General for the State of Texas. In addition, a complaint will be Filed with the office of XXXX XXXX XXXX, Insurance Commissioner office for the State of North Carolina against Asset Care LLC Sincerely, XXXX XXXX
09/09/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 44281	Web
I had resolved a medical debt in XX/XX/XXXX in the amount of ~ {$2000.00} for an emergency room visit in XX/XX/XXXX. A company by the name AssetCare LLC contacted me in XX/XX/XXXX, nearly a year and a half after the debt had been settled, stating they purchased my contract from XXXX and that money was still owed. Evidence was provided of the settled debt and a letter was received approximately one month later stating the provided evidence was still under review. ~60 days after the evidence was provided I received an email notification reporting my credit score had dropped 30 points due to a major derogatory debt. AssetCare did not communicate with me in any way of their research results outside of the notification that they were still reviewing. I contacted AssetCare and they referred me to their customer advocacy team to help resolve. Ive called the provided number and left voicemails numerous times over the course of the last 2 weeks and have not yet received a response. The actions of this company have caused not only stress and frustration, but real life consequences that will affect me and my family in the years to come. Hopefully this submission will help shed light on the broken processes within their organization, lack of customer support, and potentially help mitigate future risks of other individuals and families that may be impacted by this companys incompetence.
02/25/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33435	Web
Dear Sir/Madam The following companies bellow, have respectively put a collection notice for two different amounts on XXXX XXXX dated the XX/XX/2019 Claiming I owe this debt that I have no recollection, nor any business transaction with said companies. If this was an old dept that was from years ago, I would like to know why now? why does it show up on my credit report a week ago without any notice. I am in the process of buying a house and now my credit is damaged, down by 27 points due to this unexpected reporting. These two companies have to show proof of contract with my signature, that prove I have any direct transaction with them respectively. I never received any communications with them via mail nor have I received any phone calls discussing any old dept. To your knowledge there has never been any correspondence from original creditor nor these collection agencies, that show in writing any amounts due. This is the first time I see these collections that showed up in my records last week. I need these two companies out of my record as they have in my opinion broke some state laws or statutes. Her are the two companies in question. Creditor Information Creditor Information CAPIO PARTNERS XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX Collection amount {$1200.00} Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Collection amount {$580.00}
09/21/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32209	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX RE : Cease and Desist currently has an account ASSETCARE LLCount listed on my XXXX consumer report that is a direct violation of the FDCPA. I am refusing to pay this alleged debt and demand that this company cease and desist with any further negative reporting on my consumer report or they will be sued in the appropriate court venue for damages related to fraudulently trying to collect on a debt that I do not owe. I have never contracted with this company, and I am demanding verification of such alleged debt. Verification is defined as a formal declaration made in the presence of an authorized officer such as a notary public under oath but in the presence of such an officer whereby one swears to the truth of the statements in the document XXXX, XXXX. ( XXXX ). XXXX 's XXXX XXXX ( XXXX XXXX. ). I also demand proof that this corporation provides proof that I signed a contract with them. Any further attempt to collect is a federal crime under 18 USC 894 as this company is attempting to collect on an extension credit. Since you will not be able to prove that I owe your company any money, I demand the following account be immediately removed from my consumer report as this information is harming my credit reputation. The account is as follows : Original creditor XXXX XXXX XXXX within 30 days from receipt of this notice.
04/22/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77406	Web
In accordance with the Fair Credit Reporting act. ASSETCARE LLC is violating my federally protected consumer rights to privacy and confidentiality un der 15 USC 1681. Alleging a debt is owed and furnishing to the credit bureaus without notifying me first. This is also a violation of due process ; I do not know who my accuser is, and ASSETCARE LLC is a third party debt collector doing business in texas without a license and in violation of mentioned laws herein. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. For reasons stated, ASSETCARE LLC debt-collector must remove all inaccurate information from my credit reports due to the fact they have no legal right nor my consent to post/furnish on my credit reports.
09/21/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33068	Web
I am disputing this account reported by Capio Partners for the second time and request assistance from the CFPB in making my third attempt. I communicated to the collection agent in writing ( see attached copy of letter ) and their client XXXX XXXX XXXX by telephone that I have no knowledge of any service and why this account is reporting on my credit reports. I spoke to a hospital clerk by telephone and informed them that this account may have been paid by mistake. I explained that I pay my debts as I receive them and it may have been paid which is a mistake because it was one of the accounts reporting on my credit that was opened without my consent. I did not open this account and have not received any service from this hospital. This account was opened fraudulently using my lost/stolen identification and I have requested previously for the client to provide me with validation of this account bearing my signature giving my consent to enter this contract and information of the instrument used to identify the person who requested your service. I would also like to know why this same account with the balance of {$75.00} that was disputed and removed from the ( 3 ) CRA by Capio Partners XX/XX/2018 was reopened on my files on XX/XX/2018 this account is not reporting this account on my credit files in compliance of the FDCPA ( see confirmation of XXXX XXXX deletion ).
02/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34787	Web
The complaint Dept Consumer Financial Protection Bureau My complaint is regarding a company known as Capio Partners LLC. I was a victim of identity theft and the account was proven to be not opened by me, and it was removed from all 3 credit credit reports in XX/XX/2019. An identity Fraud alert has been placed on all my credit files yet the company tried now to use the another agency to place the same two accounts on my XXXX and XXXX credit files. This is not my account and i want it removed from my XXXX and XXXX Credit files permanently. Account Info Account number XXXX Collection opened Indicates the date the collection account was opened XX/XX/2019 Account type Collection Department / Agency / Attorney Balance Loan Amount {$490.00} {$490.00} Payment Info Original loan amount {$490.00} Balance {$490.00} Updated on XX/XX/2019 Contact XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX XXXX XXXX XXXX Original creditor : XXXX HOSPITAL {$200.00} 0 % paid off XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
07/31/2019	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	NV XXXXX	Web
On XX/XX/19 at approx. XXXX PST, I, XXXX XXXX XXXX called Capio Partners in an attempt to settle the account # XXXX ( Ref # XXXX, XXXX XXXX, Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After my personal data confirming information, the girl on the phone didn't accept my offer for XXXX, as I informed her I had been ill and could not pay the full amount. She said they may take XXXX %. I requested this in writing with a Pay to Delete Settlement in writing. She emphatically informed me in no uncertain terms that my request for a Pay to Delete Settlement notice in writing for an agreed amount would NOT be sent out prior to the account FIRST being paid. When I was confirming that she was denying this process, she got snotty and here tone got very nasty. I asked again, for personal clarification, that she was denying me this process. I asked her if she knew the law. She said she was then confusing herself but they would NOT send me this notice in writing prior to me first paying the debt. I advised her I was informed this was exactly what I needed to do PRIOR to paying any verbal agreement. She became very rude and hung up on me! Are you kidding me? I am trying to settle a debt from a hospital! I will contacting legal advice next. This event was rather disturbing. VERY DISTURBING!! This is abusive. I am XXXX XXXX XXXX. Shameful!
05/24/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WV 254XX	Web
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. Thank you for your prompt attention to this matter.
01/31/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 20602	Web
Fraud has been committed on my consumer report, which violates the FCRA & FDCPA. CAPIO PARTNERS , LLC is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required : * Purchase Agreement * Evidence that vou are a licensed debt collector Chain of Title Proof that vou are license debt collector to collect in my state. * A requested copy of your XXXX Department XXXX XXXX and XXXX XXXX. THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as it's directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines deleted from my consumer report.
10/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30906	Web
In accordance with the Fair Credit Reporting Act, the following accounts XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number ( s ) : XXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to BBB and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
04/08/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IN 46311	Web	Older American
On XX/XX/XXXX I contacted XXXX XXXX XXXX to pay my bill in full. I was not in collections. My Bill was {$130.00} and that was withdrawn for my bank account via my debit card on XX/XX/XXXX. I was given a conformation number on XX/XX/XXXX after my debit card information with thruogh The girl handling the call refused to send a text to my phone, an email or a letter with the confirmation number stating I must write it down. So I wrote it down. On XX/XX/XXXX Capio reported a derogatory balance on all three credit bureaus, stating I own them {$60.00} dollars. I have NO CLUE WHERE THE EXTRA {$60.00} CAME FROM!!! This dropped my credit score by 47 points. I called them on XX/XX/XXXX and in the recorded phone call the girl said my bill was paid in full. When I asked why they would create a falsehood I was not given an answer. When I asked about the amount I was not given an answer. I was told it might be corrected in 30 days. So Capio knows that I am paid in full!!! Why is this OK for this business to create falsehoods on my credit report???? Why is this legal for this company to lie and drop my credit score for no reason, to actually lie about it and then take their sweet time to correct this? This will cost me a much higher interested rate damaging me financially or even resulting in a denial for a loan. How is this practice legal???
02/17/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32548	Web
Capio Partners , LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Capio Partners has called me excessively to the point of harassment over a medical debt from XXXX. They have listed the debt as XX/XX/XXXX which I have never attended XXXX XXXX. I was at that time living in Florida. They reopened a debt from XXXX!!!! And are claiming it's from XXXX! I am a Florida resident and the statue of limitation on this debt has reached it's point. I have tried to explained that I have always had health insurance. I was admitted to a Hospital after a car accident in which the other party ran a red light. The Hospital billed my insurance incorrectly and they never resubmitted but instead billed me. I tried to resolved it numerous times submitting XXXX XXXX insurance, social, military id and the hospital told me that would be all. Years later I hear from them non stop ... nothing in the mail just calls all week long to no avail. They use profanity, threatened to damage my credit score more than they already have. Please help me so that this company stops these illegal practices. They are acquiring old debt from hospitals that failed to bill health insurance correctly either because of the lack of training of their accounting/health staff. There are federal/state statues of limitation that this company is not adhering to.
06/01/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 31061	Web
I monitor my credit report through XXXX, XXXX, and XXXX. I received an alert from all 3 bureaus that there was a collection account added to my reports. The company 's name is XXXX XXXX XXXX showing an account # of XXXX in the amount of {$740.00} with an original creditor named XXXX XXXX XXXX XXXX. I have never heard of the company XXXX XXXX XXXX. I am unaware of this company, the amount, the debt and its origin, therefore, this debt is not validated by me. Under the Fair Debt Collection Practices Act ( FDCPA ), the alleged debt has to be validated. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my PRIVACY and medical records from third parties. I did not give permission to XXXX XXXX XXXX XXXX to to release my medical information to a third party. My complaint is two-fold : Validation of debt and HIPAA authorization. I demand that XXXX XXXX XXXX DELETE credit reporting from XXXX, XXXX, and XXXX until this debt is validated showing proof of my signature. Any further reporting of this collection debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I demand DELETION of the erroneous account # XXXX from XXXX, XXXX, and XXXX immediately.
09/10/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77346	Web
On XX/XX/XXXX, Capio Partners , LLC, located at XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX, telephone number ( XXXX ) XXXX, placed with the credit bureau, XXXX a debt of {$330.00} allegedly owed to XXXX XXXX XXXX XXXX of Texas for XXXX performed on XX/XX/XXXX. I disputed the collection, informing all parties this is an covered procedure paid through worker 's compensation and I am not responsible for any charges. This company alleged it was true. They reported the debt, again on XX/XX/XXXX, XX/XX/XXXX and again, XX/XX/XXXX. I, continually, disputed these claims, submitting an Explanation of Benefits from XXXX XXXX XXXX XXXX verifying the charges for service and the fact I did not owe the provider. I, faxed this information to XXXX and the account was removed from collections on my account. In XXXX, XXXX and XX/XX/XXXX, the same company using another name, XXXX XXXX, using the same address with a different XXXX XXXX ( XXXX ) and telephone number ( XXXX ) XXXX submitted the {$330.00} debt, again. I disputed on XX/XX/XXXX and again on XX/XX/XXXX, they claimed the debt is valid. I contacted XXXX via telephone, informed them this was the same company that had been deleted, now they are using another name. XXXX was able to find the supporting document I had provided, previously and are opening the case, again.
12/26/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 76039	Web	Servicemember
I had went to XXXX XXXX XXXX in XXXX XXXX, New Mexico on XX/XX/2014 for medical needs. I was then married and had XXXX XXXX ( Military Insurance ). I provided the hospital with my ID card which also serves as my Insurance Card. I later received a bill and again provided them with my insurance information, as military insurance covers you 100 % as I lived outside of the military medical facility area. Since then I have received many debt collectors trying to collect on the bill and also provided them with my insurance information and disputed the account on my credit report and they state the information is true and correct and will not remove the account and did not bill my insurance company for the services and which have been covered 100 % by XXXX. I am no longer married and no longer hold my ID card or the insurance anymore. It is not my fault that they failed to bill the insurance company at the time of services and each time after of me providing them my insurance information. I had even contacted XXXX and submitted the bill after over a year of getting no where with the hospital or collection agencies and they state they had never received any bill from them. I can no longer access XXXX and want this removed from my credit report due to them failing to bill my insurance at the time and times there after.
11/13/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 640XX	Web	Servicemember
The letter was dated, XX/XX/XXXX from XXXX XXXX regarding " Notice of Debt ''. In the letter, the " Date of Service '' indicated XX/XX/XXXX and a " Balance Due '' {$2100.00}. Per the letter, the Original Creditor was XXXX XXXX XXXX XXXX, and Current Creditor is XXXX XXXX XXXX. This notice of debt is for a patient name, XXXX XXXX. I AM NOT XXXX XXXX, nor have I ever used that name or alias at any given time. It is also important to note that I use the Department of Veterans Affairs medical facility ( ies ) for any medical-related needs. In the past, I have also filed an Identity Theft Report with FTC. The ID Theft Report that I filed was also due to fraudulent medical services and charges in which other collection agencies attempted to file under my credit report/file ; even after I made verification with those collection agencies that the information they have on file such as DOB did not match with my DOB. I have also filed complaints with CFPB regarding those fraudulent services/charges/collections. If the creditors may require further proof, I have a copy of the ID Theft Report that I've filed. I can also provide a copy of the letter from the Department of Homeland Security ( DHS ) informing me that my personal information had been impacted due to a privacy incident involving a database used by DHS/OIG.
01/18/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 152XX	Web
In XXXX XXXX, Capio Partners took over two charges from medical bills when they were unfortunately missed due to an overabundance of medical bills for a procedure and a XXXX that I had been receiving. I never received written notice of the change to Capio Partners from the original creditor, and when I requested written confirmation from Capio, they refused, telling me they were unable to provide that. I mentioned that I needed to see that before paying and was told that if I did n't pay the full amount that they would report it immediately to the credit bureaus and never remove it, no matter if I paid or not. I was also told that they could find additional amounts to place on my report if I did not comply and pay the full amount. This was in early XXXX. I asked again for written proof and did not receive for either account in collections. Sure enough, by XXXX, the two accounts were added to my credit report. I called again in late XXXX and was told that even if I paid the debts, they would not remove them because they already offered me the chance to pay and I refused, which was not the case. They continue to call me 4 times a day, often before XXXX. Every so often, I answer and most recently asked for written confirmation of the debt in XXXX and was again told that they would not provide that to me.
08/18/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL XXXXX	Web
I have attempted to obtain validation of this debt from XXXX XXXX XXXX three times since XXXX XXXX, 2016. I have not received VOD. I supplied a copy of my social security card, my DL, proof of residence, tax returns for two years and they still can not locate me in their system. Today I found this account on my credit report. I spoke with XXXX at Capio Partners Collection agency, and XXXX from Capio Partners Patient Advocacy department and neither of them were able to locate my file. They advised I contact XXXX XXXX directly. I spoke with XXXX in the patient billing department at XXXX XXXX hospital. He used several methods to attempt to locate a file in my name. He was unsuccessful. He advised I dispute the account directly with my credit bureaus. I disputed this account with all three major credit bureaus. XXXX responded by updating my experian credit report with a balance of {$9400.00}. I have done everything to get this debt removed from my credit report. The original creditor has failed to provide me with validation of this debt. I have given them ample opportunity and proven my identity. I have sent a letter of dispute to Capio Partners as well. I am requesting this debt be removed from my credit report immediately as their negligence is affecting me in a negative way. This is false reporting.
04/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32822	Web
I'm writing this complaint and there is no third party involved. To whom may concern Pursuant to 15 USC 1692c ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : 1. XXXX out the balance on this account 2. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. 3. Deletion from all consumer reports. 4. Delete all my personal information from your company. I'm also requesting validation ( attached ), Please be aware of filling up each line requested. ( Don't forget the Authorized Signature of Creditor ) You must return the attached completed form along with copies of all requested information, assignment or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
05/21/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 32707	Web
On XXXX XXXX, 2016 I paid a debt for {$110.00} and {$150.00} to XXXX XXXX XXXX XXXX with my credit card. Per our agreement, the debt was to be removed from my credit reports and they were supposed to send me a receipt of payment. To this date, they have not sent me any notice in the mail to state the account is paid. To make matters worse, now the same identical debt that has been paid is now being collected upon through Capio collection agency. So now I have XXXX debt collectors trying to collect on the SAME debt that was already paid in full! I am going to attach the letter from XXXX XXXX XXXX XXXX that they sent to the XXXX on XXXX XXXX, 2016 stating the debit is satisfied and should be removed. I dont understand why they are refusing to remove it and have sold it to Capio for further collection efforts when it has been paid in full. My next step will be to secure an attorney to seek damages for failure to adhere to the FCRA. I already advised Capio that the debt had been paid and offered to give them all the information to contact XXXX XXXX XXXX XXXX but was told they do not do that. I have provided a copy of my credit card statement showing payment but they will not accept that. I am attaching proof from XXXX that states it is paid as well as the better business reply that it is paid.
01/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	FL 349XX	Web
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
03/26/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 456XX	Web
I never received a bill for the collection that I am having issues for. It is for XX/XX/2018 due to a car accident at the fault of another person. The bill was for {$2000.00}. XXXX ( XXXX XXXX at XXXX ) said she has attempted to get an itemized bill from the original biller and this collection agency so that she could pay it and never received it. Assetcare collection agency has been contacted numerous times since XXXX by me and XXXX ( my car insurance ). I had never received a bill for this with the multiple request. I called again yesterday to see if they could fax an itemized bill to my insurance company so that they could pay it and they said they had never been requested for an itemized bill. She stated she could see where I have called numerous times but didn't see anything about the itemized bill being requested. They also stated that they could not send an itemized bill to XXXX. I stated I would still like one sent to me so that I could fax it to her. This has been going on since XXXX. It has been sent to my credit report even though this account has been attempted to be paid by XXXX, however, no itemized bill has been sent. I never received a bill for this and three years later it is being sent to collections. XXXX has not sent an itemized bill after multiple request.
07/26/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	AZ 85016	Web
This is a complaint from XXXX XXXX against Capio Partners for Capio Parnters 's failure to provide requested information for the debt alleged. On XXXX XXXX, 2016, consumer, XXXX XXXX, received a demand letter from creditor, Capio Partners. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. It has been over a month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
09/11/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO XXXXX	Web	Older American, Servicemember
My husband and I hire a company to help us to reduce legimate debt that we owe. We started with the company in XXXX XXXX XXXX ). We were ask to sent in bills that we were behind on. I sent a lot of bills to the company. I had no ideal that this particular bill was in the bunch I sent. This bill is XXXX back in XXXX. This bill is from a hospital stay of my husband 's. He was really sick. He is a XXXX and his hospital bills were paid by the XXXX XXXX because he was given a rating of 100 %. 100 % means XXXX XXXX is and was to pay the bill. I called the VA to verify if it had been paid, and my husband owes nothing. XXXX XXXX PAID IT IN FULL. The company collected {$560.00} from the company we hired. I became aware of this XXXX XXXX, XXXX. I called them the same day. Asked to speak to a supervisor. A man answered and I explain the situation and I ask for a full refund of my money. He said I was not going to get it back. He also ask me " Why did it take me so long to call. I said " that the timing is not a issue, the Bigger issue is " why is your company collecting on a bill that has already been paid. As of today I have n't heard or received any money from them. Can your company, please help me with getting a refund from this company? Thank You
07/07/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	FL 34769	Web
I have talked to this debt collector several times. The situation is considered a hardship situation beyond my control. I had to have XXXX while going through a divorce, I am a single Mom of XXXX with full custody and have finally obtained a new job and am on my feet again. It has taken me 18 months to get our lives back in order after their father left us. XXXX. Which in turn placed a huge burden with the balance of this medical bill that I was unable to pay. I was a stay at home mother for 7 years and did not have a job. I have been trying to negotiate with this company, but they will not provide a written authorization stating the payoff agreement amount. The collections agent said that they would provide a letter stating that this collection will also be removed from my credit AFTER the negotiated balance is paid. The problem is that they wo n't provide the agreed amount OR the debt removal letter in writing. They only offered it verbally via phone call. Now they are calling me constantly and have sent payoff offers that are hundreds of dollars more than the offer they extended on the phone. Due to the communication inconsistencies, I do not trust this company to take this off of my credit report once they are paid.
04/05/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32137	Web
On XX/XX/2019, I was notified by a credit monitoring service that a collection was added to my report by XXXX XXXX/ Capio Partners for a medical collection from XX/XX/2019. I called the number and asked what this was in reference to. The employee explained the debt and I told them I never received anything from their company regarding the debt so I could dispute. The employee stated that I was not notified because they did not have a valid address on file and was unable to reach me by phone. They asked could they confirm the address and phone. I gave her accurate information. I told them they could not add to my report without giving me a chance to review and file dispute. She stated they were sorry and I could pay the debt and have account deleted from report. I paid it so it could be deleted ; however, I never was able to dispute it. I have no idea what I paid and if it's mine. I do not recognize the original company ; however, I was desperate to have it removed so as not to interfere with my credit. I have paid debt, received no receipt or confirmation of deletion as promised via email. Company never gave proper notice nor chance to dispute and continue to report debt as owing and on my report when promised to delete trade.
10/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77498	Web
I got a call from Capio Partners Llc some times 2 months ago, they told me I was owing a medical bill due to treatment I got sometimes last year. I asked him few questions about the name of the hospital and why has the hospital not contacted me before reported it to the collection. He told me the name of the hospital and it was a fact that I was admitted there last year for 2 hours but I was curious to know why they did not get to me before reporting me to debt collector. I told him I will check with my previous job health insurance company, I did gave them a call and they told me I dont have any outstanding and I should be careful of scammers. After this, I made a call to the Hospital and someone promise to give me a call back because the person to check the record was not on seat. I did not get any letter or further calls from both hospital nor the debit collector but the report did appear on my credit report as Derogatory Account few days ago. Because I would not want to toy with my credit history, I quickly call the number on the report and after making my complaint I decided to make the payment so as not to give me negative impact. Though I had paid but this will have a big negative effect on my account.
08/30/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MD 20774	Web
Hello, I received collection on my credit report. Before receiving derogatory on my account. Carpio partners never informed me of any debt, but instead sent me straight to collection. I sent mail but no response ; disputed using three agencies but always come back as verified. I dont remember owing any hospital cos I have insurance which covers 100 of my debt. I called today XX/XX/XXXX to request for debt validation to know when and how I got the debt. They informed me I wont be getting no debt validation which is crazy as even the so called hospital is unknown to me. I have no way of fighting this without involving the government to check this as consumer law rights was/had violated. I ask/plead with CFPB to request debt validation or how debt correlate to me in order to make a move on this account as my account already is on heavy identity theft and this could be one. I need a debt validation or have item removed from credit file as its messing up my credit report. Also I see XXXX law appear on credit report but different company called Capio partners. It becomes frustrating when you cant trace the cost of debt. If I own it why not prove it to me its mine? It was first sent XX/XX/XXXX and again repeated XX/XX/XXXX.
02/09/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32714	Web
I checked my credit and saw two accounts from XXXX XXXX XXXX/CAPIO from XXXX XXXX OF XXXX IN THE AMOUNT OF {$380.00} and {$120.00}. Please be advised these debts reported is a VIOLATION of the HIPAA Act of 1996. When I received service from the facility, I made them aware that I was a vagrant and needed financial assistance. XXXX XXXX XXXX/CAPIO did NOT provide me with any correspondence about this debt or the right to dispute nor did they request a HIPPA release to release my medical information to them. Therefore, they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX XXXX XXXXCAPIO should this item not be deleted within the required time allowed by law. XXXX XXXX XXXX/CAPIO is in direct violation of HIPAA regulations, and are facing fines up to {$1000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against XXXX, XXXX and XXXX as well, since they are incorrectly reporting this debt, too. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money
11/30/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 63367	Web
My daughter is insured through my ex-husbands XXXX insurance. I received a debt collection notice from Capio Partners for one of her XXXX bills in the amount of {$270.00}. Previous to that, I had never received a XXXX bill stating money was owed. I can assume since this is my ex-husbands XXXX policy, and he is the responsible party for the insurance, he was receiving the bill and ignored them. I pulled my credit report to see if it was showing. Of the 3 credit reporting bureaus, XXXX was the only one reporting it. I found it odd that only one credit bureau was reporting the collection. I filed a dispute for it to be removed from my credit report as it is not my insurance policy and I am not the guarantor of the insurance. Dispute came back that it does meet the Requirements of the Fair Credit Reporting Act, but Capio Partners came back and said the information I disputed was accurate. I would like to know how and were on the insurance information Capio Partners has on file, that I am the responsible party for this XXXX bill, when I am not the policy holder or the guarantor of the insurance that the collection was filed under. I would like you to investigate and provide me with some answers. Thank you.
09/20/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 45840	Web	Servicemember
On XX/XX/2018 I received a credit alert from XXXX that a new collection account has been added to my credit file in the amount of {$1000.00}. The company is Capio Partners/XXXX XXXX XXXX. On XX/XX/2018 I sent a validation letter by certified mail via USPS to this company requesting that the debt be validated and requested that all communications be conducted by USPS. On XX/XX/2018 the validation letter was delivered to an individual at Capio Partners office address. Between XX/XX/XXXX and XX/XX/2018 the account was removed from XXXX and XXXX. At that time I was not disputing the account with the credit reporting agencies directly and after Capio Partners received the validation letter requesting validation of debt per the Fair Debit Collections Practice Act and the Fair Credit Reporting Act the account was removed. Capio Partners was not reporting to XXXX at the time, As of XX/XX/2018 I have not received any communication from them through USPS as requested validating the debt they claim I owe. I believe that XXXX XXXX is being negligent in reporting to XXXX an account that was requested to be validated by me per FDCPA and FCRA. This company has directly affected my credit worthiness with possible lenders.
04/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL XXXXX	Web	Servicemember
My name is XXXX XXXX XXXX. This company named XXXX XXXX XXXX has falsely reported a collection account to my credit report that I do not owe!!! The account is titled XXXX XXXX for approximately {$1600.00}. I've contacted the hospital and they've stated to me that I don't have any outstanding balances and that everything was paid in full. My name is XXXX XXXX XXXX. I have all my receipts to backup my statement. Please be advised that under Federal Statutes. the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et seq ) and Florida 's Consumer Credit Statutes, and 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, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. you may be held liable for the actions of XXXX law. Please note that the these liabilities are under the penalty rules of the HITECH Act. DELETE THIS ACCOUNT!! The account is listed under XXXX XXXX. This account needs to be removed off of my credit reports ESPECIALLY TXXXX
04/13/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 78249	Web	Servicemember
I contacted capio partners collections due to receiving a email regarding a change tonmy credit report. It stated I was hit with a medical bill of XXXX from XX/XX/XXXX I contacted the collection agency right away. The first agent I spoke with they attempted contact by mail and email and was not credit reported yet. I advise the agent it was reported and that is how I found out. The number on file was never my telephone number and the address they used is a very old address from XXXX. I was never notified of the debt as the insurance is under my child father and lives in a different state so I would not receive the bills. I contacted the hospital and agency to request record of hospital documents from that day as it would have my updated correct information. If the hospital and agency would have reviewed the documents from the debt they are stating I owe. I would of been contacted and the debt would of been dissolved and would not of effected my credit report. The agency refused to place it ima. Dispute status. I had to do this my self. I want this removed immediately as I was not notified to allow the opportunity to resolve the debt. If it not removed and settled with me correctly I will file legal action.
02/18/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NY 120XX	Web
Capio Partners alleges that I have an outstanding debt with them from a hospital visit from over three years ago. According to NJ fee law ( XXXX ), " No health care provider may demand or request any payment from any person in excess of those permitted by the medical fee schedules and this subchapter, nor shall any person be liable to any health care provider for any amount of money that results from the charging of fees in excess of those permitted by the medical fee schedules and this subchapter. '' My car insurance company paid according to the NJ fee law, and I have the bill, receipt, and fee schedule sheets to prove that. I have faxed these records to Capio and they have refused to acknowledge receipt of them : putting me on hold, hanging up on me, etc. It is not my fault that the hospital was unaware of the law, which clearly states that the insurance pays according to the NJ fee law and the remainder of the money owed must be wiped and can not be the insurance or the patient 's responsibility. My credit score includes this debt to Capio Partners -- it is of course in the amount that is leftover after the NJ fee law funds -- even though I have legal proof that I do not owe this group any money.
06/23/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 78006	Web
Capio Collections called and said i owed a medical bill. Took me by surprise ; I have so many med bills and we stay on top of them. I believed them because I've been in the hospital practically more than I've been home and it does get confusing. Ive called all of the hospitals, I typically go to XXXX XXXX XXXX XXXX.and every once in a while XXXX XXXX A bill came from Capio stating I could resolve my XXXX dollar debt by paying {$700.00}. So I made the payment on line. Within 2 days I get a call saying i still owed {$200.00}. I said not right now bc i just sent {$700.00}. Se said they '' d take it out late XX/XX/XXXX but not to worry bc the would call first. Then they take money without calling and went ahead and charged {$280.00}. I called and they kept giving me numbers to call until i finally was given the number for the first person I called. Finally I spoke to a man who said yes XXXX was the correct amount. He said my account was now settled. I said do not ever charge my card again bc I'm not giving you permission.The following day I got a bill for # XXXX. Again, nobody will talk to me. I've called the hospitals and they both said I don't owe them anything. i'd be done. She promised to call me
01/12/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 333XX	Web
On XX/XX/XXXX, I went to the ER. I called the hospital and all my bills with them are resolved which included over {$8000.00} in XXXX of that year for a series of rabies shots ; all my accounts have been resolved and I paid them on time. Now, they told me that apparently the ER doctors bill separately through a company called XXXX XXXX XXXX of XXXX XXXX. To my knowledge, I never received a bill or a call from them, but they sent my information to a debt collector. This debt collector allegedly ( according to them ) sent me ONE letter on XXXX of XXXX, TWO YEARS after this event happened, for which I had no outstanding balance with the hospital, or quite frankly, recollection. The debt collector in question is Assetcare of XXXX, Texas. I have received no voicemails, and they sent my information to a credit reporting agency after only sending one letter which I never received. if I would have seen a bill from a debt collector I would have called immediately, as I did in this instance since I value my credit, and I was told it was already affecting it unless I paid this debt which I never received a bill for until it was already reported. These people had no problem ruining my credit for {$180.00}.
09/18/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77802	Web
Capio Partners a debt collector harassing me to collect {$300.00} from XX/XX/XXXX of XXXX without any billing notification mail or email notification after 2.5 years. XXXX XXXX ( XXXX XXXX ) harassing me all of a sudden after 2.5 years without no billing notification, mail or email notification telling me I owe {$1100.00} in medical bills. XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, PA XXXX Billing Office : XXXX This is terrible after 2.5 years without notification that these debt collectors are harassing me that I owe them. I didn't have any chance to file a complaint at the time of service, I don't have the same insurance anymore, I don't have records of this and the statute of limitations on debt is over and against the Fair Debt Collection Practices Act. This is also against the No Surprise Act for medical billing me all of a sudden out of nowhere. In the related matter, hospitals and other medical providers in New York are banned from reporting medical debt to credit agencies under a bill passed in XXXX by the states legislature. This medical service at the time was under an attorney for medical malpractice. I am filing a complaint, I would like this to stop.
02/04/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 78666	Web
In late XX/XX/XXXX, I noticed that " AssetCare LLC '' had charged my credit in the amount of {$1400.00} 3 separate times, claiming that they had received this from XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX. I have not been in XXXX XXXX for the past 2 years. I graduated in XXXX and left for work in XXXX. After explaining that I did not have a medical visit in the month of XXXX, nor have I visited a hospital since XXXX ; I found this odd. I commented and asked for an itemized bill from the hospital for whatever they were charging me, and the woman replied, " You will need to pay us directly. You have debt with us. '' As I do not have a debt with a company called AssetCare LLC, I reached out to the hospital and they informed me that they did not have on record any medical debt in my name, nor were they allowed to share my information with the AssetCare LLC organization per HIPPA ; and if the company claimed otherwise it was a default scam. So, now, after consulting with a medical law professional and my mother, who is also a lawyer, I was instructed to file a complaint I have filed one with XXXX XXXX as well for this as it is a violation of the Fair Credit Report and breaks HIPPA guidelines.
07/20/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34746	Web
I had checked my XXXX XXXX a month ago to see what my credit score was and had come across a Collections account from XXXX XXXX, ( XXXX XXXX XXXX ), for the amount of XXXX. It's apparently from XXXX XXXX but I had never received any bill from the hospital themselves and hadn't received any letters from XXXXXXXX XXXX pertaining to this debt either. It was just on my credit account randomly, negatively impacting it severely. After disputing it with XXXX, they removed it the same day without question as I'm not the only person having issues with these companies. Fast forward to today, XX/XX/2021, I receive an actual letter in the mail from another collections agency for the SAME EXACT THING, as soon as I had this disputed. The company name is Capio Partners ( XXXX XXXX XXXX ), also for XXXX. I looked up the reviews of Capio Partners and all of the reviews of the business is claiming that they've called the hospitals/wherever they got their medical stuff done the collection agency is claiming, and they've been told they never owed any debt. Tons of the reviews are claiming these companies are scammers. I'm not wanting to get another credit collections ding on my credit score and ruin it.
10/27/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TN 37066	Web
I was billed an enormous amount from XXXX XXXX XXXX. I received the first statement XXXX XXXX, XXXX. I sent them a letter on XXXX XXXX, XXXX explaining the exorbitant charges which were not in line AT ALL with what should have been charged. I did not receive a response until XXXX XXXX, XXXX from XXXX stating that the charges were billed appropriately XXXX XXXX XXXX. I then received a letter on XXXX XXXX, XXXX stating that the account was reviewed and that I still owed the {$1100.00}. I sent payment of {$160.00} on XXXX XXXX, XXXX. Since that time I have received XXXX communication from ANYONE about the balance. I just, today XXXX XXXX, XXXX, received an alert that my credit score dropped XXXX POINTS! When I checked my credit report from XXXX, I saw that I had an outstanding collections from a company I had never heard of in the amount of {$1000.00}. I called this company and they stated they sent communication on XXXX XXXX - WHICH WAS NOT SENT! I took care of the debt today, but this should NOT be on my credit report or negatively affect me as I had NO knowledge that this was even an issue or should have been collected once I did not receive ANY communication after a payment was made.
10/22/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32563	Web	Servicemember
Mid XXXX I received a collections letter from Capio Partners LLC, XXXX XXXX XXXX XX/XX/XXXXXXXX, XXXX, TX XXXX regarding an XXXX bill of {$160.00} incurred about 5 years ago which was paid through the doctor 's office ( XXXX XXXX ) {$200.00} for XXXX before the service was performed. However, a few months later I recieved a bill for the same XXXX. I called the XXXX service and they explained that they were changing their billing service and mistakenly showed a debt. They apologized for the mistake and the issue was resolved. I kept the bills and notes of who I called for another year before discarding them after it was evident this issue would not be revisited. The day I received the letter from Capio, I called and explained this. The agent could care less and threatened to report it to the credit bureaus. I told her I would not pay them for something I did not owe nor an extortion attempt. She became rude and I hung up on her. On XX/XX/2019 I received a notice from my credit check service at XXXX that they had reported this to XXXX and XXXX. After speaking with XXXX I had also found that they had illegaly re-aged the alleged debt. Disputes were filed with XXXX and XXXX XXXX.
05/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 322XX	Web	Servicemember
In XXXX 2023, Capio Partners added 2 collection accounts to my report for XXXX and XXXX. I disputed these as Ive never signed an agreement or entered into a contract with this company. I disputed this on the credit bureaus website and they came back and deleted the one for XXXX but said they couldnt verify this was incorrect for the XXXX but I submitted all info to them on both. I dont owe these balances and have repeatedly asked them to remove the final XXXX from the report then this morning on XXXX, they have added both of them back after they removed one and kept the other one with no regard for the fact that it was already removed once. This is a violation of FCRA because they havent provided the required contract I would have signed with them on these debts. Please have these removed from all my credit reports as I dont owe these nor have I ever signed an agreement with these people. Im willing to consult an attorney if needed but am hoping since the CFPB is for the people for proper treatment this will be resolved. My score had dropped XXXX points due to debt I dont owe. I havent made a late payment in over 12 years and this is ridiculous at this point. Please HELP!
09/15/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 337XX	Web	Older American
Contacted XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL regarding a bill for {$300.00} from supposed services rendered on XX/XX/XXXX. I spoke to a woman named XXXX at XXXX Wednesday, XX/XX/XXXX. I asked for XXXX to look up the bill at which she said they had changed computer software and was not able to pull up a bill from over XXXX years ago. I was told to contact XXXX XXXX XXXX to try and get information regarding this bill. Neither XXXX nor XXXX XXXX XXXX had record of any outstanding debt in my name. This bill for {$300.00} is coming from a company called AssetCare located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Their telephone number is XXXX. I would like to have AssetCare investigated because they are trying to extract money for an erroneous bill. Their bill clearly states they are attempting to collect monies on behalf of XXXX XXXX. If that is the case why does XXXX nor XXXX XXXX have record of the bill? I have contacted CFPB and have been asked to reference case # XXXX. I will also be in contact with the attorney general of Florida ( XXXX XXXX ) where I reside as well as the attorney general of Texas ( XXXX XXXX ) where AssetCare is located.
11/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 39206	Web
ASSETCARE has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
02/13/2019	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	FL 34952	Web
XX/XX/XXXX I was injured on the job at my employer. I was off on XXXX During this time, Hospital mistakenly billed or services. Contact was made with hospital, as an employee, and the incorrect billing was removed. XX/XX/XXXX XXXX XXXX notified me that XXXX XXXX has filed 4 derogatory remarks on my credit file. all on the same day. They are showing dates that I was not even an employee of the hospital ... XX/XX/XXXX and XX/XX/XXXX I tried to dispute but the only response back was that the marks were in FRMC compliance. No other information They are also violating my HIPPA Rights by posting that I had an injury when I did not .. they disclose my name, birthday, social security number. date of birth, hospital, and what they think were dates of service. Although the dates were in XX/XX/XXXX and no bills were owed. XXXX XXXX is a debt purchaser. CAPIO PARNTERS Last reported : XX/XX/XXXX {$240.00} Needs Attention CAPIO PARNTERS Last reported : XX/XX/XXXX {$150.00} Needs Attention CAPIO PARNTERS Last reported : XX/XX/XXXX {$75.00} Needs Attention CAPIO PARNTERS Last reported : XX/XX/XXXX {$50.00} CAPIO PARNTERS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
06/23/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 77469	Web
I called Capio Partners to pay off XXXX of my debts and also to advise them that the items was no longer a disputed item. They said it was not in dispute yet it keeps reading that on my credit report and after XXXX plus minutes on the phone I was transferred to several people and forced to pay XXXX bills ( XXXX which I never knew ) was in collections. After explaining that I was reading this information from my credit report because I 'm trying to move they threaten me with the XXXX new items that was never advised to me I had. He said I had to pay them all and that the new XXXX items was going to hit my credit report within 10 days. It hit my credit report on XXXX XXXX 2015, but on the credit report it says XXXX report XXXX 2015 and then report again in XXXX. This is n't true because I 've had my credit report pulled every month for 7 month since trying to get a house and they knew this once I called them to pay and they threw these items on my credit report and dropped my score and still report them as being disputed. Now I 'm being held up with my closing date. They would n't even take my money for a XXXX of them. They said I had to pay all.
10/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30906	Web
In accordance with the Fair Credit Reporting Act, CAPIO PARTNERS LLC account number XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and XXXX XXXX XXXX and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
03/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL XXXXX	Web	Servicemember
There is a collection on my account that at one time, a few years ago, was owned by XXXX. Now it has returned to my reports and showing as a collection with another collection company, Capio Partners , llc located in Texas. This was a medical debt that was not billed to XXXX XXXX XXXX XXXX appropriately. I have been dealing with this for years now. XXXX XXXX XXXX XXXX Washington state paid this bill, finally. The hospital refused to bill XXXX XXXX because they said it was " outside of the claim window ''. So I had to submit the invoices to XXXX XXXX myself for payment. Please assist in resolving this and removing both of the items from Capio Partners from my report as they were both for the same dates of service. This is affecting my ability to obtain loans for my small business. I am a XXXX XXXX XXXX and am completely dumbfounded this is permitted to happen to someone. I have no blemishes on my report and this seriously affected my score, from XXXX to under XXXX now. I beg you please help me resolve this. It has gone on too long. I have the records from XXXX XXXX XXXX and XXXX, a letter from them where they were removing it form my report.
10/05/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 92124	Web
I do not believe the claim for {$1300.00} from : " CAPIO PARTNERS LLC '' or " XXXX / XXXX XXXX XXXX XXXX '' is legitimate. 1. I received an invoice from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, dated XXXX/XXXX/XXXX is for services dated XXXX/XXXX/XXXX ( almost 6 years later ). See attachment # 1. 2. I called XXXX ( XXXX/XXXX/XXXX ) and they referred me to you CAPIO PARTNERS. 3. I called CAPIO ( XXXX/XXXX/XXXX ) and left a voicemail asking them to call me. 4. I recently called my insurer, XXXX XXXX ( same insurer as service date in XXXX ). XXXX XXXX told me there were no claims filed for an ambulance, service date XXXX/XXXX/XXXX or for any other surrounding dates. XXXX XXXX also told me it was now too late to file a claim ( the 2-year window expired ). 5. I recently discovered that XXXX / XXXX XXXX XXXX XXXX is affiliated with XXXX ( the invoice was for ambulance service ) .Apparently XXXX XXXX XXXX XXXX XXXX XXXX as a joint venture between Rural XXXX XXXX and ... See attachment # 2. 6. Our local news station aired a segment criticizing XXXX XXXX for their billing ( lack thereof ) and their collection practices. See attachment # 3.
10/03/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MI 480XX	Web
On XX/XX/XXXX I received a credit monitoring alert from XXXX XXXX XXXX. To my dismay the alert was an account had been reported to collections. I have been working diligently on my credit and know I have not been late nor defaulted on anything. After some investigating I was able to find out the acct. is from an XXXX XXXX visit on XX/XX/XXXX. Not only do I not recall being in the XXXX XX/XX/XXXX, but I had medicaid ( back then in Michigan it was called the Adult Benefit Waiver ). I contacted the hospital where the original service was rendered and they do not have me owing any kind of balance. The lady in billing also informed me that it is possible that I was billed directly by the Dr. She then gave me the number of XXXX XXXX XXXX. I then called them and gave a very rude lady my info. She explained to me that yes, the acct was sold by them to XXXX, the collection agency and that was all she could tell me. This bill of {$380.00} is ruining my credit and it is not a valid acct. If services were received on XXXX XXXX, XXXX, than XXXX XXXX XXXX should have been paid by my insurance just like XXXX XXXX XXXX XXXX was. Please Help!
07/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76544	Web
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 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!
02/26/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 078XX	Web
I had XXXX XXXX and when to emergency room.I was diagnosed with XXXX XXXX XXXX. I was in lots of pain and demanded a XXXX.I was denied of XXXX by XXXX of XXXX, NJ. My NJ hospitals XXXX could not see me with in a week or next 6 month, due to being overbooked.I have to see XXXX doctor, mr XXXX, he took me right away, and diagnosed XXXX XXXX XXXX.What needed a XXXX. XXXX was preformed at XXXX XXXX XXXX PA,XXXX miles from my home in NJ. My health insurance refuse to cover XXXX due to medical code submitted as XXXX XXXX XXXX, What they not consider emergency XXXX .XXXX. XXXX provided to XXXX XXXX XXXX XXXX XXXX XXXX correct diagnoses, to make sure, XXXX payment going to be processed under right medical code.Medical bill from XXXX hospital and XXXX XXXX XXXX went in to dispute appeal with health insurance, XXXX XXXX XXXX XXXX XXXX XXXX.XXXX hospital billing was provided with appeal information. About 2 years I have not received any info about my appeal.Now in 2020 I received a letter from collections.I am not sure if they can legally collect from me.And I don't know why XXXX XXXX XXXX XXXX did not send me appeal resolution.
07/16/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33880	Web
I received numerous amount of letters about a medical bill saying that Ive visit their department or a 3rd party department which is in correct, I have been to a hospital in over 10 years I have my once a year check up with my doctor which is free cover by my 15 year medical coverage, I contacted the collectors asked if they could validate the information because I w XXXX to k ow how this could have happened and to show me documents of the initial visit or whatever information they are claiming was me, I sent one letter to the collector as well as one to the credit bureaus, I results was not received in a timely manner about 50 days later I received a notification from the credit bureaus that my file had been update only to find out it stated all information was correct, I dont know who they think they are but I would know if Ive ran up a bill Im a responsible adult not a child I always pay my bills, I received no letter or response back from them personal showing me that I initiated the response. Its been months since I last reached out to them I had a lawyer advised me to contact you guys to get to the bottom of this
11/02/2023	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32174	Web
I received a notification that a collection account was listed on my credit reports by Capio Partners. As a result of that notification, I contacted Capio Partners and spoke with XXXX who advised that the debt was owed by me and the only thing they could provide was a copy of the statements. I explained that I never received treatment from this facility nor have I ever conducted business with the organization they purchased the account from. XXXX transferred me to XXXX ( XXXX XXXX ) who advised that because I am stating the services were not received by me, they are unable to provide any information regarding this account because I was not the patient. After threatening legal action, I was advised by XXXX that the information would be deleted as a courtesy from the credit bureaus within 30 days but may be sooner as they update weekly with the bureaus. XXXX advised that I am still obligated to the debt until I provide a police report. Blossom advised me to follow up with an email to XXXX and reference account number XXXX for any further inquiries. Complaint is being filed with the CFPB to document the incident.
03/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33713	Web	Older American
a check for a co pay of XXXX.. was sent to hospital on XX/XX/XXXX and check was processed for payment to hospital on XX/XX/XXXX. the hospital sold this account to a collection agency and there for caused us to have to deal with this agency unnecessarily. XX/XX/XXXX a mailer was dated and sent to us as a notice of debt. we contacted the collection agency and told them there was a discrepancy because this account had been paid onXX/XX/XXXX.they had ask for a copy of the check with the patient number on it which we faxed to them onXX/XX/XXXX.they have ignored our attempts to settle this matter and have continued to try and collect on a bill that was paid. they have since used an affiliate to try and use other tactics to try and collect monies since not responding to there demands of payment they have put us into the credit bureau, which was totally unwarranted. we have contacted the credit bureau and disputed it and sent the copy of the cashed check from the hospital that they ask for, that was cashed on XX/XX/XXXX and have not been able to have this removed and that's the need for help.
06/06/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33460	Web
This stems from a fraudulent medical bill from XXXX XXXX for services never rendered. I have beaten this fraudulent bill twice in 4 years from other creditors trying to get a quick payoff or they would ruin my credit. Capio partners has made it there goal to completely harass me for the last 3 weeks by consistently bombarding my credit report with almost {$3000.00} in small increments.The original bill was less than {$1000.00}? but every time I fight and get one knocked off my credit they come right back with more fraudulent hits. I dont understand how I keep beating them but they can put whatever lying, fraudulent and corrupt billing on my credit report and it is not even being monitored? Do we have no protection against our credit? How many times do I have to get this knocked off my credit and how many times do they have to come back with more false allegations. Eventually there going to state that I owe them {$100000.00}? Why do they have the right to put whatever they want on my credit report? What gives them the right to totally mess with peoples lives for a small payoff??????
06/29/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL XXXXX	Web
CAPIO PARTNERS added a collection to my credit reports without my knowledge. I have never received any written correspondence from this company. CAPIO PARTNERS reported this collection to XXXX, XXXX, and XXXX in the amount of {$420.00}, opened on XX/XX/19. This information is invalid. I have no knowledge of where this debt comes from. I have not received any correspondences from the original creditor or this company. CAPIO PARTNERS putting this collection item on my credit reports without my knowledge violates the FDCPA Collection Practice by placing a collection on my credit report without sending a letter to me. This letter is required under law and states my right to dispute the validity of the debt within 30 days. They took that away from me and it is illegal to do so. They have not only done this once, but TWICE without my knowledge on XX/XX/19 and XX/XX/19. This item needs to be removed from XXXX, XXXX, and XXXX immediately as I have no business with CAPIO PARTNERS nor was a debt validation letter sent to me. No signed contract by me, bill, nothing. This needs to be removed.
12/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AL 357XX	Web
I received a collection notice in the mail from Capio Partners dated XXXX/XXXX/XXXX. The amount was {$1000.00} from XXXX XXXX XXXX with a date of service XXXX/XXXX/XXXX. I called the collection agency and spoke to a representative. She stated that XXXX XXXX XXXX had attempted to contact me since then and the mail correspondences had been returned. Also no insurance had been filed. The service was for my daughter. I stated that it must be an error. I had been receiving medical treatment for XXXX during that time period therefore the should have had my correct address and insurance information on file. This is an error made by the hospital. Also, with my insurance ( XXXX ) the bill would have been {$150.00}. Why was it not filed? Why did they not contact me by phone? Now if filed, my insurance will not pay since it the service date was over 2 years ago. I feel that XXXX XXXX XXXX should correct this issue. This should not be placed on my credit report. I had no knowledge of this issue and did not have an opportunity to address it prior to being placed with a collection agency.
05/18/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NY 11701	Web
The following agency, Capio Partners LLC, filed a derogatory record on my credit report, but i did not receive any notification with a right to dispute. When asked about, a representative informed me that no communication letter was sent out. I had no idea this was on my credit report. Note : I did pay the debt with my CC because I was buying a car and wanted the record off my report. I was told that the record would be removed, but XXXX confirms it stays on for 7-years. I want to make this complaint because I feel I should have been given notice with at least 30-days to dispute the claim. I should not have paid the claim as it was a XXXX case from XXXX of 2010. XXXX paid for my XXXX service, but the hospital, XXXX XXXX XXXX XXXX, in XXXX, PA has been harassing me for more money. I was advised by XXXX that I should not pay the false claim and that I should continue to dispute it to avoid records on my credit report, but this collection agency did not give me a chance to dispute the claim. I have never had a bad record on my credit report and this hurt my overall score.
03/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33713	Web	Older American
a check for a co pay of XXXX was sent to hospital on XX/XX/XXXX and check was processed for payment to hospital on XX/XX/XXXX. the hospital sold this account to a collection agency and there for caused us to have to deal with this agency unnecessarily. XX/XX/XXXX a mailer was dated and sent to us as a notice of debt. we contacted the collection agency and told them there was a discrepancy because this account had been paid onXXXX.they had ask for a copy of the check with the patient number on it which we faxed to them onXXXX.they have ignored our attempts to settle this matter and have continued to try and collect on a bill that was paid. they have since used an affiliate to try and use other tactics to try and collect monies since not responding to there demands of payment they have put us into the credit bureau, which was totally unwarranted. we have contacted the credit bureau and disputed it and sent the copy of the cashed check from the hospital that they ask for, that was cashed on XX/XX/XXXX and have not been able to have this removed and that's the need for help.
03/13/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78754	Web
I recently disputed a medical account with this company to validate an account on XXXX In which they received by mail on XX/XX/2020 at XXXX XXXX and still to this day I have not received a single letter for them. This is very unprofessional from a company to not respond to a request, and this is over 3 months old, and I've been patient enough and now I want answers I want them to validate this debt I have with their company. I asked them to provide my HIPPA release because I understand that the HIPPA does allow for limited information about me, but any details may only be revealed with the patient authorization, but I do not remember signing for them to release my medical information to any collection agencies including this one. I want them to provide a copy of my signature with the provider of service to release my information to this company. I will provide proof of documentation that I sent the company and will provide the certified Mail receipt with tracking number so you can review I feel disappointed having to wait over 3 months and never to be responded to.
05/08/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	LA 71457	Web
XXXX A negative debt collection was posted to my XXXX credit report from AssetCare. I immediantly contacted the collection agency and they claimed the debt was purchased on XXXX/XXXX/XXXX from XXXX XXXX XXXX XXXX in XXXX Texas for services on XXXX/XXXX/XXXX. The were attempting to charge me the amount of {$3100.00}. XXXX/XXXX/XXXX - I contacted XXXX XXXX XXXX to verify this information and try to discover where they ( AssetCare ) were coming from because the original amount owed of {$810.00} had already been purchased by XXXX XXXX XXXX with whom I was already working with to resolve the matter. After the hospital billing department representative, XXXX informed me that they did NOT sell nor have any affiliation with AssetCare nor its parent company XXXX XXXX, I contacted XXXX XXXX XXXX XXXX XXXX XXXX and they also confirmed that no such company had authorization to claim this debt. I then again contacted AssetCare and informed them of their fraudulent activity and that I would be reporting them to the XXXX XXXX XXXX and XXXX XXXX XXXX and they simply hung up on me.
03/17/2023	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 Their investigation did not fix an error on your report	CA 92376	Web
I got XXXX in XX/XX/XXXX while I was out of state, I had insurance but I guess it did not cover the whole hospital bill, I was told I would not be responsible for any medical debt due to the pandemic, and I don't feel I am responsible to pay this huge medical balance that is shown on my credit report. I became homeless and was stuck out of state for 3 months until I was well enough to make it home, once back to my state i had lost my home and hadn't worked. it was a very stressful time of my life, I didn't ask to get this worldwide pandemic and i am not sure why this is on my credit, i filed bankruptcy back in XXXX and now this is another thing I don't need to deal with. i can barely make ends meet now, i am living alone and have barely make enough money to cover living expenses since they have doubled since the pandemic started. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX there should be some government money to help with this type of situation. I don't feel this should be an impact on my credit reports after all we have to deal with after having XXXX
10/29/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CO 80015	Web
in XX/XX/2017 this debt was resolved thru several phone calls and emails. I was told several times that I was correct, that the debt was not mine, not to pay it, and I escalated it to the highest level to make sure it was resolved. I assumed it was resolved as I have not received a bill then and that was 6 years ago. Then, out of nowhere, I start receiving bills. I called the company and wrote the company to let them know, and they have no proof and no emails and no records that the debt was resolved. Unfortunately, the emails exchanged I do not have access to. I did everything humanly possible to resolve this in XX/XX/2017, and it was resolved. I also have written to the company and called them on the phone to get this dismissed, and they have moved forward sending this to collections. The debt was from XXXX XXXX, account XXXX XXXXXXXX for {$1500.00} from XX/XX/2017 they have moved it to AssetCare, master account XXXX XXXXXXXX If it wasnt resolved, why havent I received a bill since XX/XX/2017? I do not owe this money, and it was resolved in XX/XX/2017.
09/22/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 23111	Web
I received a call from someone who identified herself as XXXX from Capio Partners ( my best attempt at spelling the name ). She said that she represented a collection agency. The creditor was XXXX XXXXXXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) and the date of service was XX/XX/. She said that we owed {$1100.00}. We checked with both the health insurance company and XXXX XXXXXXXX XXXX XXXX The insurance paid the claim and the XXXX XXXX XXXX said that the bill was paid in full. The dollar figure given by the caller did not match any combination of the bill or insurance payment figures. XXXX gave me a call back number of XXXX. She also gave me a patient advocate number of XXXX. The number she gave me for XXXX XXXX XXXX was XXXX. I independently checked the number for the alleged creditor. It was not the same. XXXX gave me a client reference number XXXX. She said that the account had not been reported to the credit companies. I did not indicate to XXXX that I would make any payments. There was recently a data breach at XXXX XXXX, where the procedure occurred.
03/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29680	Web
This showed up on my credit report as a charge that went into collections on an account called Capio Partners on behalf of XXXX XXXX XXXX that was supposedly opened on XX/XX/2023 for the amount of {$1100.00}. This is an error on my credit report. I have not signed surety or any type of responsibility on any loan, bill, or other let alone one with the name of Capio Partners or XXXX XXXX XXXX. I don't have any idea what this could possibly be about. I have not even visited the hospital since my father in law got sick a few years ago. I Disputed this with Experion and they denied the dispute stating the information I disputed has been verified as accurate and that I could upload supporting documentation proving this debt is invalid. How am I supposed to prove a negative? Upload a picture of my empty hand that shows I don't have a bill form this hospital? I would like to have this removed from my credit report immediately as this is a fraudulent bill and a fraudulent notice on my report. My credit score went down XXXX points because of this error. Thank you.
04/03/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 295XX	Web
Good morning, XXXX XXXX has listed a medical debt as of XX/XX/XXXX, from XXXX XXXX XXXX as the company who I allegedly owe to. I have never received a bill or any correspondence from XXXX XXXX .. going back from XX/XX/XXXX, I am a former XXXX. They only correspondence was my pay stub via email. Nor have I ever received correspondence in any form from Capio. I was advised not to call them, but I did reach out to XXXX XXXX and they knew nothing about the bill. Nor do they have any signed documents that would permit a outside company to have access to my information, they clearly violated HIPPAA. I did dispute this via phone call and mail to XXXX XX/XX/XXXX, no correspondence was made to inform me of the outcome, clearly the 30day rule has way passed expired since my initial inquiry into the false debt claim made by Capio. My request is to have this removed immediately off my credit report as it has caused further negative issues, as I am trying to rebuild my credit post divorce and the bankruptcy that resulted from that situation. Thank you
05/21/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NH 03051	Web
On XX/XX/XXXX I received a notice from Casio partners saying they wanted to collect a debt owed to XXXX XXXX XXXX of {$1500.00} that was incurred XX/XX/XXXX I have never received a bill or call previously about this and have no medical problems or injuries that would have caused this bill I called Casio and asked what generated this and why I have never been contacted by anyone previously since it was from XX/XX/XXXX and have lived at the same address since XXXX. There has also never been anything else related to this on my credit report I was told it was up to me to find out why I supposedly owed this and what for I told them I wouldnt even know where to start looking and I dont owe it so I would retain a lawyer to help me get this off my credit and was told if I got a lawyer they woul not give me any XXXX regarding the debt.??????? This also shows up only on my transunion report and also like it started on XX/XX/XXXX when theyre letter says it is from XX/XX/XXXX Please help me with this as I feel I am being pressured to pay a debt thats not mine
09/29/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33311	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Date : XX/XX/2019 Assetcare LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I am writing to request an investigation of the following information that Assetcare LLC is reporting to the credit agency on my behalf. I am writing to challenge the reporting and compliance on two accounts with Assetcare LLC which is reporting missing information/incorrect information. More specifically I am referencing the fact that you are reporting. Dispute # 1 Date Open : XX/XX/2019 Amount Reporting : {$61.00} Dispute # 2 Date open : XX/XX/2019 Amount reporting : {$180.00} Disputed Reason : This account with your company is in question, please send me last billing statement, medical release paperwork that shows I gave permission to release my medical report that show you didn't not validate my hipa rules. please correct the missing/incorrect information date of last activities. your improper procedures are highly damaging to my credit score. please immediately delete this item
01/13/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07103	Web
Good morning, I am submitting a complaint for the company by the name of Asset Care LLC XXXX XXXX XXXX for the amount of {$520.00}. The account number is XXXX. Date of service XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX, NJ XXXX. XX/XX/XXXX I spoke with XXXX XXXX Asset Care XXXX and requested a bill, she stated one would be sent to me. XX/XX/XXXX I spoke with XXXX XXXX Asset Care XXXX he stated he would have the one person in the company that sends emails out would forward me a copy of the bill XX/XX/XXXX I spoke with XXXX XXXX Asset Care XXXX and he stated there was never a request put in for me to receive an itemized copy of the bill and he would put in the request that day XXXX I spoke with XXXX XXXX Asset Care ) and she stated there was an error with my email and that is when I asked to speak with a supervisor. XXXX I spoke transferred to Supervisor XXXX XXXX Asset Care ). XXXX stated they had no access to the bill because they were a 3rd party company and it would take up to 45 days to receive the itemized bill from XXXX XXXX XXXX XXXX.
08/16/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32256	Web
I do n't know these companies or debts, tried to reach out to get information on debt but nothing was sent or verified to me, I disputed withXXXX but it comes back as verified but I did n't receive anything, if this debt is valid ( which it should not be ) I did not authorize my personal information to be shared with a third party company I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. I am also XXXX and have been receiving XXXX health insurance such as XXXX and XXXX which was presented as form of payment at every doctor appointment so I 'm not sure why there is even a debt to begin with.
02/17/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33563	Web	Servicemember
Dear Sir or Madam, I recently received a letter in the mail from a collection agency called XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Phone # XXXX stating that I have XXXX outstanding collections, on XXXX/XXXX/2016 I faxed them some pass information showing where these XXXX collections were removed from my credit report ( See attached Information ). On Wednesday XXXX XXXX, 2016 I received XXXX letters showing where they have removed this information from my files from their collection agency, ( See attached letters ). The next point is This collection agency noted that these collections came from a company called XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX which is Capio Partners same address their Phone # to patient advocate is XXXX. I Received from my XXXX XXXX credit score showing that XXXX is reporting these XXXX collection of {$120.00} and {$110.00}. I am asking can you please help me to remove these XXXX collection from my credit report and get Capio Partners to stop harassing me. update my credit file within the next 30 days
04/20/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32822	Web	Older American
I have been asking for Validation of a debt that I was told I owed and in asking for validation I have not yet received anything from this company. I know they have received my validation request because it was sent to them certified and was signed for by a company representative. I received a Invoice, dated XX/XX/2020, in the amount of {$240.00} for a hospital service that was handed out to a person I don't know. On XX/XX/2020 I wrote them a letter stating that the debt did not belong to me. I also requested a prompt response wich I never got. Now, I called them since they reported to the credit report agencies that have apparently tried to collect it for 3 times. I talked to one of the representatives and he said he has no way to verify if my letter was received and gave a phone number to call. I called the # a few times leaving a voice mail and so far I have not received a single phone call. THE LETTER disputing THE CHARGE WAS CERTIFIED MAIL AND IT WAS RECEIVED BY THEM ON XX/XX/2020 AND THAT MEANS IT DID NOT ECXEED THE 30 DAYS NOTICE.
01/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 43613	Web
Im continually contacted by individuals claiming to have legal documents that are being filed against me, or I will be arrested for Theft By Deception in regard to an old debt. The callers ask for me by my married name which I have not used since XXXX. The debt is one that the original creditor took me to court for in XXXX and I have heard nothing on the case since a date in XXXX where the creditor improperly garnished my bank account and the Judge found in my favor and I was refunded what was removed from my account. The debt has been removed from my credit report. The callers threaten me with having people come to my home and serve me legal documents, and have made claims that I have a warrant for my arrest for Theft By Deception. I have contacted local law enforcement and the court and no actions are being taken against me. I have requested several times for these calls to stop as I do not owe the debt. The collectors are very rude and accusatory. I just want the calls to stop, i do not owe this debt, and Im not paying them anything.
09/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20746	Web
On XX/XX/, I noticed a charge off and many collection entries from 1. XXXX XXXX XXXX, XXXX, Account No. # XXXX 2. XXXX XXXX, XXXX, Account No. # XXXX and 3. XXXX XXXX XXXX, XXXX, Account No. # XXXX respectively trespassing on my XXXX XXXX XXXX, and XXXX consumer credit reports. I've requested that the consumer reporting agencies produce the original contract and after a month they still haven't responded to my notices. They are erroneously reporting a contractual debt and that a civil dispute exists us which is false, there is none to my knowledge. In accordance with the Fair Credit Reporting Act these reporting agencies have violated my rights as a natural person, and living human being numerous times. 15 U.S.C. 1681, Section 602 A. states that I have the right to privacy. 15 U.S.C. 1681, Section 604 A, Section 2, states that a consumer reporting agency can not furnish a account without my written instructions. I demand in these instructions that the three accounts listed above ( 1-3 ), be removed according to 15 U.S.C. 1681.
09/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 33009	Web
on XX/XX/XXXX had physician services from XXXX XXXX XXXX XXXX XXXX under XXXX XXXX XXXX. Recently, a amount of {$62.00} was reporter to my credit as non paid debt. On XXXX called the XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Fl . The representative confirmed that they Did not do a Negative credit report on this account. and that the account was sent back to XXXX XXXX on XXXX XXXX. On XX/XX/XXXX - XXXX XXXX confirmed that the debt has been sent to?? Cappio Partners Llc.Phone XXXX. Cappio Partners confirmed that the debt is administered by AC Asset Care of XXXX TX. ( phone XXXX ) and that this debt was reported to the credit agencies. NON-paid. I did requested a statement of this debt and have it send to my new address. I have received the statement dated XX/XX/XXXX. I need CFPB support to have my Credit report Cleared of this debt. Once my credit report is cleared of this debt I will pay the due balance of $ XXXX. This will ensure that the debt is cleared from my credit report thus avoiding delays if the payment is done beforehand.
10/30/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33409	Web
I have had five medical debts that were once removed reappear on my XXXX credit report. When I disputed 3 of the 5 all which was from the same company XXXX XXXX were removed. The other two were not. I sent a certified letter to XXXX advising them that these were not my accounts and they were removed in the past. Also that in XXXX 2016 the accounts were under XXXX XXXX and were removed then once disputed as well. Then after that the accounts came back under XXXX XXXX which is another name that XXXX goes by and the accounts were deleted off my credit report and now for the third time same debt is back under a different name. I also stated to in the letter that XXXX XXXX is not licensed in the state of Florida ( which is where i reside ) to be a collection agency. Also I asked for proof since XXXX and XXXX states this is my account. All I received back from XXXX was that the accounts were verified, I tried calling and still get the same result. I have done everything I feel I can do and still have not had the proper resolution.
09/22/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 305XX	Web
I was involved in a car accident XXXX, the other driver was at fault I went to the emergency room, and XXXX XXXX XXXX company took the responsibility of my hospital bills because they're driver was at fault, XXXX XXXX took awhile to pay my hospital bills, so the bill has been placed into collection by CAPIO PARTNERS the account was opened by capio partners on XXXX, also once again on XXXX I disputed this account with capio partners telling them that XXXX XXXX insurance paid this bill on XXXX to XXXX ga XXXX XXXX XXXX XXXX dept, but CAPIO PARTNERS refused to take my account out of collections and they are reporting the same account twice, also reported the account before the allowed 6 month time period, and I was not provided with a dunning letter asking me if I wanted to dispute the account before putting it into collections, when I submitted my dispute and requested validation of this debt from capio partners, I request that capio partners submit a universal data form deleting this account from any credit reporting agency
12/01/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 34120	Web	Servicemember
Again another company that clearly does not know how billing works. The VA pays every single one of my medical bills. Every single one. This should have been paid on time by the VA. I should not be receiving this bill because of poor communication between the original medical provider and the XXXX XXXX. I do not know how many times this has to happen to me. I provide XXXX XXXX Veteran card. Provider bills the VA. Its not rocket surgery. The new collection agency Capio. Harasses me every single day trying to collect a debt from XXXX. Calling at all hours of the night. Text messaging. Its clear as day that it is harassment. That should have been paid already. Or that was not paid due to the original holder of the debt failing to contact the VA billing department. Stop having aggressive methods of collecting a debt THAT YOU PURCHASED FROM ANOTHER COMPANY. I dont owe you anything. Shouldnt have owed the original medical provider anything either. Not my fault the billing department of the original provider is uneducated.
11/07/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77803	Web
I hope this message finds you well. I am writing to inform you that on XX/XX/2023, I disputed an item on my credit report regarding a debt that was reported by Capio. I patiently waited for a response from your office regarding this matter. In the letter I sent, I explained that I do not recall signing a contract or having any dealings with Capio. It is possible that they purchased a debt from my original creditor, but I am certain that I owe them nothing. According to my knowledge, the original creditor has written off the debt and filed it as a loss, which, by law, means I no longer owe the debt. Given the importance of this issue and my desire to fully understand the situation, I kindly request that you provide me with documentation that clearly shows why I owe this debt to the current collector. Having such information will help me resolve this matter and ensure the accuracy of my credit report. I appreciate your attention to this matter and look forward to your prompt response. Thank you for your assistance.
08/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75119	Web
Received Collection Letter on XXXX from Capio Partners, XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX. Capio offered to SETTLE XXXX XXXX XXXX medical debt dated XXXX for {$380.00} ( 40 % off original debt of {$630.00} ). I immediately accepted the offer and paid the {$380.00} on XXXX via Capio 's online payment system ( {$280.00} via Personal Credit Card and {$100.00} via XXXX Visa Debit card ). 10 months later on XXXX, I received another letter from Capio about the same debt, attempting to collect the additional {$250.00} ( {$680.00} less {$380.00} ), even though we had mutually agreed that the debt was settled for {$380.00}. On XXXX, I mailed a U.S. Postal Service Certified Mail Receipt letter to Capio, explaining that I do not owe this debt and that they must cease collection efforts until they provide written proof of the debt per the FDCPA. I received no such documentation. On XXXX, I received another collection letter from Capio, again attempting to collect the same {$250.00} that was settled in XX/XX/2020.
03/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	FL 33569	Web	Servicemember
I pulled my XXXX and XXXX reports on XX/XX/XXXX. They listed capio partners llc as a collection agency reporting a medical debt with a " date of first delinquency '' as XX/XX/XXXX. The original creditor as XXXX XXXX and original balance of {$940.00}. I have an older report from XXXX dated XX/XX/XXXX. They listed XXXX XXXX XXXX as a collection agency reporting a medical debt with a " date of first delinquency '' as XX/XX/XXXX. The original creditor as XXXX XXXX and original balance of {$940.00}. This fact alone leads me to believe that Capio Partners llc has re-aged the medical debt. On XX/XX/XXXX I called them at XXXX and dealt with a very nasty person named XXXX in reference to this alleged debt. He disregarded what I was attempting to say and continued to tell me that the only way they would delete the information was if I paid the debt and stopped stating it was alleged debt. Please help me. I need someone to fight for me. They have all the power to destroy my reputation and you seem to be my only hope.
03/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 339XX	Web
I am trying to get a mortgage for a house and one of the things they told me to do was pay off one of my collections to boost my credit score. So on XX/XX/19 I called Capio Partners and paid off the settlement amount, then my mortgage company told me that I needed to get a letter of deletion from them so I called them back again and asked them for one and they said they would be sending one out and will send one via email as well. I received the email but all it said in there, that the account and been paid in full and would be reported to the credit bureaus ( not a letter of deletion ) so I called back again and this time they told me that I did not request a deletion and they gave me a number to call for customer service, which I did multiple times and I left a voice mail and never got an answer back. So I called back the regular number again and and told them I needed a letter of deletion and they told me in a not so professional manner that it was being reported to the credit agencies and then hung up.
12/13/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32707	Web
I applied for a loan recently and got copies of my credit reports afterward. I found out that Capio Partners is reporting a medical debt to the credit bureaus twice, under two different account numbers. The first tradeline I see on my report is reported under Capio Partners as account number XXXX in the amount {$2600.00}. The identical debt is reported a second time under XXXX XXXX XXXX/Capio account number XXXX, amount {$2600.00}. As a result, my credit report shows {$5300.00} owed instead of the original {$2600.00}. Both are on my report simultaneously. I can not in any way see how it is legal to report the same debt twice under different account numbers. This is clearly impacting my score negatively and unfairly and a quick conversation I had with a consumer rights attorney leads me to believe it is not legal. On top of this, I should not have any kind of debt of this nature due to XXXX Hospital at all and certainly never received any bill or invoice from the original creditor indicating this.
06/23/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AL 36330	Web	Servicemember
I never received anything from this company ( ASSETCARE LLC according to XXXX ). The report says the original creditor is " XXXX XXXX XXXX XXXX '' in which I'm not sure what health organization that is but I do reside in XXXX Alabama. I have not had any procedures or treatment done and do not understand this collection for {$1400.00} when I have never even received billing ( because I haven't had anything extensive done ). I feel like it is some type of Medical scam. I filed a dispute with XXXX in which the result came back as " Accurate as verified by filer. '' which I find concerning. It seems like " one word over another ... ..just because ''. It's accurate because they say so? I ask for proof of some sort. If the CFPB reviews my credit report it will show that my wife and I have NEVER missed paying on anything we owe. I will let this process take it's course before seeking legal counsel. I'm not going to be victimized into paying for something from a collection agency that I know doesn't exist.
03/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33404	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX XX/XX/XXXX Dear Sir or Madam : I'm writing to get resolution to 7 Medical creditors that was recently placed all in one day on my credit report. 2 for XXXX XXXX reported XX/XX/XXXX {$110.00} and {$110.00} and 3 for XXXX XXXX XXXX reported XX/XX/XXXX {$120.00}, {$660.00} and {$240.00}. XXXX XXXX XXXX XXXX reported XX/XX/XXXX {$280.00} and XXXX XXXX XXXX reported XX/XX/XXXX for {$140.00}. There is n way I can owe these creditors. I have attempted to call each to explain the error but all they want is a payment. On my credit report it did not say medical, it says Collection or Charge off. I pay my bills and have a 100 % payment history. I explained that these error medical collections have been paid at 100 % as the Doctor and Hospital I use say I have a XXXX balance. I have full coverage health insurance. I would like to have this removed from my credit report. I have asked these companies above to kindly remove but say no. I'm reaching out for help
05/08/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 46563	Web
AssetCare is trying to collect a bill for an emergency room visit that resulted in admittance to the hospital for 48 hours. At the time, because I was under distress, I did not have my wallet when I went to the ER and therefore did not have my insurance card available at the time of check in. While I was in the hospital however, someone brought my wallet and I gave the hospital the insurance information BEFORE being discharged. I never received any bills and assumed this emergency room bill was taken care of by insurance. Now I have collections on my report from Assetcare stating I owe and they have no record of insurance. The bill for the hospital stay itself however was sent and paid for by insurance.. Insurance was never billed for this claim and therefore they should not be able to collect this debt. They have ruined my clean credit by reporting to the 3 bureaus with these inaccurate illegal attempts to collect a debt that insurance would have covered had they have been billed originally.
02/18/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 11784	Web
I recently found this company, CAPIO, on my credit report, claiming debt collection. I had absolutely no idea what it was about. I have received nothing from this company whatsoever. I called them and they claimed to be trying to collect some mystery medical debt from 2019. When I told them that I hadn't received any documentation about this alleged debt and that I knew my rights and that I needed to receive something written from them so that I could dispute it, they told me it was MY responsibility to write to THEM asking about it and that it would probably " take some time to hear anything back '' because of the " thousands of requests '' they're fielding daily. They are engaging in ILLEGAL practices and in the meantime they refuse to take this alleged debt off of my credit report while I am waiting for documentation from them. This is absolutely insane and goes against the law. I will not be intimidated by a company that is willing to break laws in order to try and scam people.
11/13/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33880	Web
After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with an account listed under XXXX XXXX XXXXnd validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing the credit report again on XX/XX/2022 there have been no updates and the account is still reflecting on the report. I do not believe that the creditor has authorization to access the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
08/18/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL XXXXX	Web	Older American
I received a robo call on my husband 's cell phone ( XX/XX/XXXX at XXXX XXXX ) and was asked to hold for a live person. Live person identified as a debt collector. First violation that they did not have authorization to call this cell number. Claimed I owed {$3700.00}. I explained that I had settled the account on XX/XX/XXXX with the hospital XXXX and had a cancelled check showing it was cashed. I also explained that another agency XXXX had contacted me in XX/XX/XXXX about the same debt and they were given the same information and I had not heard anything else from them about the debt. I sent a letter to Capio Partners LLC on XX/XX/XXXX disputing the debt and advising that they had violated the FDCPA, FRCA and TPCA with a copy of the cancelled check showing that the account was paid. I requested they send a letter to me acknowledging that they removed from my credit file and show account paid and closed. They have not sent a letter and have posted this to my credit file.
02/13/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 201XX	Web	Older American
In XX/XX/XXXX I learned that Capio Partners had assumed a dept of XXXX XXXX that was carried on its books as overdue. I had paid the debt via my XXXX account on XX/XX/XXXX and according to XXXX XXXX XXXX XXXXXXXX XXXX ) it cleared on XX/XX/XXXX. I provided XXXX proof of payment back in early XXXX. I never heard from them again. After learning that Capio was attempting to collect this already-paid debt, I contacted them and provided proof of payment on XX/XX/XXXX. I assumed that they had closed this out because I did not hear back from them. I am trying to apply for a mortgage today and learned that they placed a derogatory note in my credit report in XX/XX/XXXX and I'm unsure if it's before or after my note to them with proof of payment. I spoke with them today and they said they'd research my claim of payment. My response to them is that they should have done this earlier when I gave them proof in XXXX, and that they're getting in the way of me getting a mortgage.
09/09/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV 891XX	Web
On Friday XX/XX/2020 I called Asset Care to dispute a debt because it appears as though there was a mistake made by the original creditor and it is currently being collected on by two different collection companies. The second collection company advised that I dispute both accounts so that both of the companies and I are able to get all of the information regarding the services so that I can get everything straightened out. On Tuesday XX/XX/2020 at XXXX XXXX Pacific Time, XXXX from Asset Care called me, early in the call I advised her that my account should be in dispute due to the situation. She advised me that the account had been disputed but she wanted to check on it. She then advised me that the account is due to start showing on my credit so it is her goal to get it taken care of. This is unfair to me for two reasons, 1. I don't know which company has the correct account and 2. I should not be receiving phone calls to collect on a debt that is dispute status.
04/21/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 45244	Web	Servicemember
XXXXXXXX hospital make a mistake by giving me a XXXX shot for XXXX without getting it approved first. This shot alone cost around XXXX since the hospital made this mistake they agreed to dismiss the charges and I was not suppose to even get a bill. I have talked with them many times and they have apologies to me for this. However somehow by miss communication this bill went to collections. to Capio partners which in turned showed up on my credit report and lowered my credit score 35 points. I have been talking to a XXXXXXXX hospital representative about this matter and he has assured me that this will be taking care of and this would come off my credit report. I have also mailed a letter to the collection agency and gave them his phone number in an effort to get this removed from my credit report.. I have disputed this on XXXX with no results. You can contact XXXX XXXX a rep with the hospital and he can verify all of this. Phone : XXXX XXXX, Fax : XXXX XXXX XXXX.
05/02/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 608XX	Web	Servicemember
The collection agency Capio Partners, Located in XXXX, TX. Contacted me om XX/XX/XXXX of this year, concerning an alleged medical bill debt in the amount of XXXX dollars. On XX/XX/XXXX of this year. I responded with a certified debt validation letter. This letter requested Capio Partners to provide me proof of the original purchasing agreement, that shows Caprio Partners is the legal owner of the said debt, if the debt started with another company. please provide the name, account number, and purchasing agreement. I requested, Capio Partners proof if the company is licensed to collect debts in my state. Also to provide the date of license, and license number. On XX/XX/XXXX of this year. I received a letter from Capio Partners. Alleging this information regarding this debt was verified. Capio Partners didn't provide me with any of detailed items, I requested from them in my debt validation letter, Also Capri Partners responds exceeded 30 business days.
03/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78574	Web
A collections company is trying to claim that I have medical services which I needed to pay for. The details of this case which is mentioned are illegitimate. I was under XXXX XXXX when I was taken in for some type of XXXX XXXX or something. They essentially were trying to verify that there wasnt anything wrong with me & that I wasnt XXXX XXXX or had XXXX XXXX issues affecting my behavior. This is all I can remember about the details on this mentioned collection. The forced examination proved to show that I was in perfect health. So essentially it was a type of forced examination out of my control for no legitimate reason whatsoever. They found nothing wrong with me to validate their reasons for a forced examination & XXXX XXXX. I will never pay for medical services that are ever forced upon me ever, under any condition! For this company to try collect money from me for a service which was essentially fraudulent on every level makes them party to fraud!
02/27/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	PA 150XX	Web
Capio partners is trying to collect {$260.00} from an ER visit on XX/XX/XXXX. I already paid the {$150.00} that I owed after insurance adjustment. I never got any indication I owed anything beyond that {$150.00} in the last 4 years until XX/XX/XXXX when capio partners started contacting me. They have told me the service breakdown over the phone twice and it was 2 different breakdowns. I asked for it in writing and also written proof this bill is accurate and they have not sent either. I've called XXXX hospital where I was seen to get more information on the bill, but they have been bought out since the date of service and all the old accounts that are paid and unpaid are handled by capio partners now. I can get no where with the company to show me proof I owed more than I already paid. I believe this bill is a scam because i already paid {$150.00} and it is 4 years old. Why wouldnt i have heard i owed anything more in the last 4 years if it was valid?
07/06/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75068	Web
I received 1 letter in the mail that looked like a postcard in regards to this debt from Capio Partners. I had no idea what it was for and when I XXXX the company name there is a lot of bad reviews that this was a scam. When I called to get more information and possibly settle the debt, I was not helped. The guy asked for my full social security number which I was not comfortable givign over the phone ( espcially since I had no idea what this was about. ) When I offered to give him my birthday of XX/XX/XXXXhe said that was not my birthday. I was then disconnected from the call. I honestly thought this was a scam sicne he said that wasn't my birthday and asked for my full social. I have no clue what this debt is for or from when it was and I have not recived any other type of letter or communication regarding this. I was made aware of it being placed in collections due to a XXXX XXXX alert. Please remove this from my credit report as a derogatory mark.
04/06/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 08742	Web
I received a collection notice from XXXX XXXX, XXXX located at XXXX XXXX XXXX XXXX, Texas for a {$370.00} charge. I reached out to the alleged hospital in which they are claiming this debt it due and confirmed that there was no remaining balance and my health insurance took care of the bill for that date of service. I contacted XXXX XXXX via certified mail not once but 3 times requesting they send me validation, not verification, that this balance is in fact my responsible and from the original creditor. They had 30 days to respond with validation which they did not do so therefore they are in violation of the FTC by reporting this as a bad debt to my credit report. I demand this be removed from my credit report ASAP. This company is unethical and is reporting invalid information which is detrimental to my credit health and worthiness. If they do not remove this invalid information from my credit report, I will be seeking legal action against them.
08/08/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29303	Web
Assetcare LLC flagged my credit reports with unverified medical collection information on XX/XX/2021. A dispute was filed with all 3 major bureaus and this account was removed from XXXX and XXXX immediately. XXXX verified the information as accurate and Assetcare flagged my XXXX credit file again with the same information on XX/XX/2021. I have decided to conduct my own investigation. I have never experienced a debt collection company : add their account to my credit file violating my HIPPA rights with unverified information, providing no contracts to prove I received any goods or services to support their claim that I actually owe a debt while failing to provide where they received my information. Please be advised that Assetcare LLC is not licensed to collect in my state, Assetcare are debt collectors with no contracts to support their claim of a debt owed Assetcare are not accredited by the XXXX nor, does Assetcare have a XXXX 's number
01/04/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32725	Web
AssetCare LLC / CapioPartners collection companies placed an illegal medical debt collection in my credit report. I have uninterrupted medical insurance through my employer since XXXX which cover all my medical bills. I never received any correspondence from AssetCare LLC / CapioPartners and found out about when, y credit report was pulled. I called their phone number XXXX to inquire about the collection and the representative stated that it was a medical collection from XXXX or XXXX. I told them that I have medical insurance continuous since XXXX, the monthly insurance premiums are taken out directly of my paychecks ( Attached ) however they refused to provide any documentation or acknowledge the fact that I had medical insurance to cover my medical bills. I have written them multiple letters requesting documentation and they have not answered any of them nor provided any documentation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
05/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92677	Web
I received a Notice of Debt letter from Capio Partners dated XX/XX/21. Letter was received by mail on XX/XX/21. The letter claimed that I owed {$200.00} to Florida Hospital, but was willing to settle for a payment of {$120.00}. I called Capio immediately to let them know that the person they are looking for is not me, I have never been to Florida, I have never been a patient at the Florida Hospital, I do not owe them money, and requested that they remove my name from their files and stop sending me letters. The person I talked to was very dismissive about everything, said she would update my address in their files ( which to me indicated that they would continue to pursue me to pay the debt ), was extremely rude, and told me that if I didn't want to pay the debt that I should contact an attorney. I attempted to continue the conversation to provide proof that I was not the person who owed the debt, but she hung up on me in mid conversation.
07/01/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30152	Web	Older American, Servicemember
XX/XX/XXXX- Paid XXXX XXXX in full for XXXX XXXX XXXX on XXXX XXXX. XXXX fees included, per contract. Rate is {$220.00} per XXXX. XX/XX/XXXX- XXXX performed by XXXX XXXX XXXX. XX/XX/XXXX- Received bill from XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX- Contacted XXXX XXXX twice and sent supporting documents stating that I do not owe the bill. XXXX XXXX XXXX submitted bill to Asset Care Collection Agency . XXXX Filed disputes with XXXX , XXXX , and XXXX . XXXX Sent correspondence to Asset Care Collection Agency asking that charges be removed from my XXXX XXXX account and false information be deleted from my three credit reports. XXXX Received credit reports. XXXX score dropped approximately 120 pts- from XXXX range to XXXX! XXXX score dropped approximately 100 pts- from XXXX to XXXX! XXXX Filed complaint with CFPB and Florida Attorney General 's office. **Please see attached file with documents that attest to these facts.
05/11/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NY 10065	Web	Older American
I went to XXXX XXXX XXXX XXXX in XX/XX/XXXX -3,1/2 yrs. ago! I was working for XXXX on Tropical Storm XXXX. I received a bill from Capio Partners collections agency XX/XX/XXXX. I did not remember the emergency room visit at the XXXX XXXX and did not pay it. When I checked with my insurance company they verified it and I finally remembered it. I paid the bill although I am not sure it is legitimate because the Hospital never billed me directly. Capio paid the Center {$65.00} telling them Capio would collect from me. That is the amount I normally pay for a specialist office visit co-pay. I do not know if I actually owed the XXXX XXXX anything. Capio went ahead and reported late payment to the credit reporting agencies and now it is on my record. I want that removed from my record and since the hospital never billed me, I want to be re-imbursed. I think the charges are bogus charges made up by Capio to get money -- especially from seniors.
04/09/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33884	Web	Servicemember
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX
03/16/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CO 801XX	Web
I have already disputed a medical amount of {$95.00} from XXXX XXXX. The third company that was helping me out was Capio. This amount is no longer showing in my credit report. However, there is another debt collector called Asset Care trying to collect the money from me when this is already disputed. I called Asset Care to get a better hand information and all that they said was that this amount was right and it is no longer in Capio because it was sent to them. I asked them to dispute this bill amount of {$95.00} but it seemed that they did not want to do that and instead they offered me to pay {$55.00} to finish this payment when I called. I said no, I will retrieve more information about this and see what happens and so I did. I found out that this " medical bill '' is no longer in my credit report and I should not have to be disputing anything else with them but I am worried this will affect my credit score if it is not fixed.
08/21/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	GA 310XX	Web
Invalid collection placed on credit report- violation of fair debt collections act, After reviewing a copy of my most recent credit report I noticed a collection in the amount of XXXX from Capio Partners XXXX has been placed on my credit report. This erroneous collection was placed on my credit report without any prior communication ( verbal or written ) and without validation of debt. I had no prior knowledge of this account and I was never informed of this collection account nor have I ever received any correspondence from Capio Partners XXXX XXXX or any other company regarding this account. I never received any information about this account nor was I given the opportunity to acknowledge or dispute the validity of this account. The practices employed by Capio Partners, XXXX is a violation of the Fair Debt Collections Act. I am requesting that Capio Partners, XXXX remove this collection account from each of my credit reports.
08/13/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MA 02453	Web
There is a collection reporting in my credit that was just reported that is a result of Identity theft and someone using my personal information. I tried reaching out to the company and letting them know and also disputed the account with XXXX and they continue to try to collect and damage my credit. the account number is CAPIO PARTNERS LLC Original creditor : XXXX XXXX {$590.00} Balance updated XX/XX/2021 Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Paid off : 0 % Balance on XX/XX/2021 Original balance {$590.00} {$590.00} Payment Info Original balance {$590.00} Balance {$590.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/2021 Additional info Comments Account information disputed by consumer Your statements CONSUMER STATEMENT Y ITEM DISPUTED BY CONSUMER
09/12/2019	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	CO XXXXX	Web	Servicemember
In XX/XX/XXXX Capio XXXX Flagged my credit profile and added a collection account. Not even 30 days later on XX/XX/XXXX Capio XXXX again flagged my account trying to reage it and make it seem as if it is a new account showing up. They did this in less than 30 days. ( Please see attachments ). This was after the initial account they had on my credit file was deleted, so the transferred it to another department ( stated on a recorded line ) Under Colorado law. Medical Bills are legally only collectible for six years. On a recorded line the representative said this debt was from XX/XX/XXXX. I asked him why didnt I receive a letter or anything saying I owed the debt and he said that the letter was sent to an old address ( stated on a recorded line ). So that means you knew the info was sent to an incorrect address but you still took it upon yourself to break the law and put this information in my credit file then try to reage it.
10/11/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	MA 02124	Web
Back in XXXX, Capio first contacted me saying I had a debt XXXX sent to collection. I called XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and they said all my bills were paid and there was no record of them every sending me to collections. I then blocked the phone calls from Capio Debt Collectors. They then tried to recontact me today, XX/XX/2023 at XXXX and XXXX XXXX with back-to-back phone calls. When I asked what it was in regards to he kept saying " a business matter '' and trying to make me state personal information before giving any more information. I know I have no outstanding debt with XXXX and they can confirm this. I keep blocking their numbers and they keep finding me to try to pay this " debt '' that does not exist. The number I provided was the most recent number to reach out to me.XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) said Capio is not one of the debt collectors they use and they shouldn't know my information.
05/02/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 377XX	Web
Recieved numerous calls per day from an unfamiliar number. Up to 3 times per day. Calls would be all days of the wk. Never left a message, so I wasnt sure if it was telemaketers or not. Once I finally answered, calls were from Capio Partners . They were calling about a XXXX balance due to an XXXX visit. Keep in mind, this company has never mailed me any documentation. Due to circumstances, we 're currently a XXXX income family at the moment. I tried to set up a payment plan, and they demanded debt to income info. The representatice said " this is a new account, and you need to pay XXXX % of the balance before it 's reported to the collection agency. '' They 've harassed me. Failed to notify me in writing. And threatened to report to credit bureau if I did n't pay the XXXX % today. All of these actions does not change my ability to pay more than I have available! Horrible service from a collection company
11/01/2023	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	GA 30013	Web
CAPIO PARTNERS LLC XXXX15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
02/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75044	Web
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information.Your offenses amount to aggravated Identity Theft pursuant to 18 U.S.C 1028A.You have knowingly transferred, possessed, or used, without lawful authority, a means of identifications of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. account deleted from my consumer rep This agency is a violation of 15 USC 1692g.This is an official dispute of this account.I demand the above account deleted from my consumer report.
04/22/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 23435	Web
XX/XX/22 at XXXX XXXX EST I received a call from Capio partners for a medical debt of I believe {$200.00}. I informed her once again I am unemployed and is unable to pay or setup a payment arrangement right now. I also shared that I have XXXX children. She proceeded to offer me a lower price but I gave her the same response also including Im not seeking any medical treatment because I cant pay the bill. She then stated Let me pull up your credit report, I see your credit report and we have an account that we could have already sent to them but we didnt as of yet. I interrupted her in shock and stated no maam I do not give you nor the original debtor permission to release any of my health information, it violates my HIPAA rights. She stated that she will follow with me in a month or a few weeks. I reviewed my XXXX account and noticed that Capio reported it to the Credit Bureau on XX/XX/22, 3 days after the threat.
02/11/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 45503	Web
On XX/XX/19 I was notified via XXXX credit monitoring that a collection account has been placed on my credit file. Upon looking I see that it was from Capio Partners for an alleged medical debt in the amount of {$1400.00}. I was subsequently notified of placement of this collection account on my XXXX account on XX/XX/19. I have never received any notice of the alleged debt from Capio Partners and have no idea what the debt could be for. In doing so I was denied my legal right to dispute any debt within 30 days of notification from a debt collection agency - pursuant to 15 USC 1681 et al. This is to be removed from all three credit bureaus immediately and proper procedure and protocol is to be followed. I have no reservations in litigating this ridiculous practice performed by Capio Partner 's in a court of law where I will seek punitive and statutory damages to the fullest extent allowed by law.
10/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 85268	Web
A random account that went by ( XXXX XXXX XXXX ) was added to my report last year that I had NO KNOWLEDGE OF, so I looked into it and found out it was nothing that was from myself. I filed a dispute telling them its not mine and it must be identify theft and they removed it from my report. This was XXXX of 2022. Then in XXXX or XXXX I received another random collection account added to my report named ( ASSETCARE LLC ) and when I looked into it, i noticed that it was for the same amount that the ( XXXX XXXX XXXX ), which was for {$930.00}. They just changed the name and have been giving me a problem since. I've disputed multiple times and can't seem to get them to comply to remove this nightmare. So now I am taking action and filing a complaint with you. ( XXXX XXXX ) is also inaccurate with there information as well. They are adding payments every month saying that I'm behind and that's not legal.
10/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60651	Web
Hi I am Im making this complaint against CAPIO PARTNERS LLC for identity theft. I have never given CAPIO PARTNERS LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC \|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 CAPIO PARTNERS LLC 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 CAPIO PARTNERS LLC continues its collection efforts, I will file for litigation for actual damages caused and CAPIO PARTNERS LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.
09/25/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NJ 077XX	Web	Older American, Servicemember
I received a letter dated XX/XX/XXXX from Capio Partners with notice of debt related to a balance due from XXXX XXXX XXXX date of service was XX/XX/XXXX. I called to try and obtain more information as I have not had any communication from XXXX XXXX XXXX and was unaware of any balance owed. She immediately asked how I would like to arrange payment or they will report my debt to the credit bureau. I advised her that I have XXXX checking accounts and as this matter is aged, I am not sure whether I had already paid this balance and it would take time to research. She referred me to the Client rep, representing XXXX. I call that number and basically received the same notice that if I do not provide proof within a certain timeframe, they will report me to the credit bureau. Especially, since two years have transpired before I received any notices in this regard. I feel this is unfair collection methods.
11/04/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33511	Web
On XX/XX/2021, this collections account was added to my credit report. I was not ever notified by ASSETCARE , LLC. This just appeared on my credit file in the amount of XXXX. The account listed is XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Assetcare LLC did not verify this debt but instead just put it on my credit report. This is clearly an abuse of collections tactics. This is not my debt. I don't have or have had any business with this company in the past or currently. This has a severe negative affect on me as a consumer and is in violation of the fair credit reporting act. This company failed to validate this debt and put this item listed above on my credit report which is causing me extreme financial hardship. I demand that this negative information be deleted immediately from on my credit file with all 3 major credit reporting agencies not to resurface on my credit file again.
08/21/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
I recently received a debt collection notification in the mail for medial services that were NOT rendered to me. I've requested an itemized invoice and ALL records be sent to me so that I may examine and properly dispute. CAPIO PARTNERS & XXXX XXXX XXXX XXXX HAVE REFUSED TO RELEASE THE INFORMATION. CAPIO WAS MORE INTERESTED IN FINDING OUT IF I WAS A US CITIZEN. Ive been a victim of identity theft about 7 years ago and I was able to remove XXXX XXXX credit card debt, XXXX debt and I was able to clear with the Social Services the children receiving Medicaid were NOT my children and I HAVE NO IDEA WHO THEY ARE. Clearly this debt must be something lingering from that episode. I have not lived in the XXXX area in over 15 years, Ive been living abroad for at least 10 years where I have insurance, I only have a PO Box for mail when I visit and I have NEVER been insured by XXXX XXXX XXXX XXXX.
10/03/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 21224	Web
On XX/XX/2022, A representative from the company Capio Partners informed me about outstanding medical debt of XXXX dollars from last year. That debt has been paid off months ago, and i have receipts to back that up. I told the representative that much and insisted that i did not recognize the debt, but needed proof of his alleged debt. instead of taking a mailing address down, he claimed that his system was not designed to do that. he gave me the email address XXXX to submit my complaint. I humored him, but my email that conveyed the same info was bounced back to me. I do not believe this company does not send out written debt validation notice. Furthermore, i contacted XXXX XXXX and they have no business with that company. Capio Partners, at best, it is a second hand debt buyer running on bad information, with no means to scrutinize it. At worse, it is a scam, and needs to be shut down.
08/24/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 08753	Web	Servicemember
I regularly check my credit report, and i found this unknown account in collection. The company 's name is ASSETCARE LLC. The credit report says the original creditor was XXXX XXXX XXXX XXXX. I tried to contact the company, however, everytime i call the machine says its after hours so i have not been able to speak with anyone from the company. I am in the military, so I dont go to regular hospitals and i have not visited a hospital in years. The report says the account was placed in collections on XX/XX/XXXX. I filed a dispute with XXXX, and they replied back saying they updated my information, however, the copy of my credit report i was able to acces through their reply still has this account in collection. I called XXXX, and they said they will do another investigation. I am submitting this complain because I can not get in contact with this company, and i think its some kind of scam.
11/28/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 44139	Web
Capio Partners Company balance XXXX balance XXXX original company XXXX XXXX XX/XX/2020 Date started This company is damaging all 3 of my credit reporting such as XXXX, XXXX, and XXXX. They are reporting inaccuracy information and updating dates to make it seem like this is an current account i tried calling them to get detailed copies of the debt and and they are rude, nasty and all they want is the money and hard to work with and i ask them to cease and decease and they continue to harass me. This is also being added duplicate times on my credit report and they still wont send out information so this matter can get handled it cause me to get denied for housing and jobs and any other credit that i have applied for. they also violated my HIPAA laws and rights. They also violated the fair reporting act, they violated the fair debt collections practices act, and defamation of character.
08/01/2022	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX XXXXX	Web
ON XXXX ASSET CARE LLC. CALLED MY PHONE NUMBER XXXX. THEY WERE ASKING FOR ANOTHER PERSON. I TOLD THEM THIS PHONE NUMBER BELONGS TO THEM. I ASKED THE REPRESENTATIVE FOR THEIR MAILING ADDRESS. COMMON SENSE HERE. IF I ASK FOR THEIR MAILING ADDRESS, SEND THEM A LETTER IN WRITING LETTING THEM KNOW THIS NUMBER BELONGS TO ME, THE NEXT TIME THE FILE GOES TO ANOTHER DEBT COLLECTOR, THEY WILL KNOW THE NUMBER NOW BELONGS TO ME, XXXX XXXX ( AND NOT TO CALL ME ). I HAD TO PULL TEETH, THAT IS I HAD TO ASK SEVERAL TIMES FOR THEM TO FINALLY GIVE ME THEIR MAILING ADDRESS. IT IS ABUSIVE, UNFAIR, DECEPTIVE, AND ILLEGAL FOR THEM TO NOT GIVE ME THEIR MAILING ADDRESS. DISPUTING THE DEBT IN WRITING HELPS, AS IT DOES FILING A COMPLAINT WITH THE CFPB. I ALSO WANT THEM TO SEND ME A COPY OF THEIR DNC POLICY. THEY SHOULD HAVE CHECKED TO SEE IF MY NUMBER WAS RECYCLED AND IF IT WAS REGISTERED IN THE DNC REGISTRY.
09/11/2021	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 33056	Web
To whom it may concern my name is XXXX XXXX and I am not a third party company. You are in violation of the HIPPA act and law. I am contacting you regards to an account that was placed and listen on my consumer report. First of all it is personal medical information that was placed on my consumer report. I didn't give anyone consent to place any of my personal medical information or share it with anyone other than myself. Without my written consent no person, or company have the right to do so. This is a criminal act and violation that you have committed and I have contacted the attorney general and FTC to let them know that your company is violating my privacy rights. You could be charged and this is a criminal act. This is my final attempt to resolve this matter and for this debt to be removed due to sharing my medical and personal information with a third party other than myself.
02/09/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48076	Web
CAPIO PARTNERS is contacting me at inconvenient times and places. They are contacting me before XXXX XXXX., and after XXXX XXXX. I never agreed to it. These repetitious phone calls have annoyed my family and myself. CAPIO PARTNERS has also used obscene and profane language and threats regarding this debt that is not mine. They are also blocking their number and calling me without telling me who they are. In addition, they have also stated that they are an attorney, making threats to arrest me, garnish my wages, bank accounts, and sue me. CAPIO PARTNERS has also contacted family members and co-workers of mine more than once trying to collect this fraudulent debt. CAPIO PARTNERS has discussed this account and my personal information regarding this debt, harassing others trying to get me to pay this debt. CAPIO PARTNERS fails to respond to my verification letter by certified mail.
08/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 310XX	Web	Servicemember
I was contacted around XX/XX/2021 by a Capio Partners representative who said they were trying collect on a medical bill in the amount of {$300.00}. I asked whose name it was in and the lady said my name, which was a lie, but I have used this hospital before. So, I actually thought it was mine and she gave me the Acct number and address for me to send the payment too. I sent one payment of {$28.00} as I was mislead. I got the document from them on XX/XX/2021 and when I looked at the bill, the bill is for someone named XXXX XXXX, which I think was a friend of my ex-wife 's. Also they did not even spell my name correctly the addressed it to XXXX XXXX not XXXX XXXX. If the bill had actually been mine, I know the hospital has the correct spelling of my last name, but again this debt collector just told a blatant lie that they bill was mine and they could plainly see it wasnt.
12/16/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78633	Web
Medical procedure was done at XXXX XXXX XXXX XXXX on XX/XX/XXXX, I paid the copay ( {$95.00} ) the medical center said I owed before the procedure. Afterward, I received a bill from the medical center for {$890.00}, though my medical insurance claim showed I owed nothing. It looks as if the medical center didn't get the required preauthorization. I called the insurance company and the medical center. I sent a notice to the medical center with a copy of their bill, explaining. They turned it over to collections. I sent a letter to the first collection agency ( XXXX , XXXX ) on XX/XX/XXXX, with copies of all pertinent information. Six months have passed and now I'm receiving a collection letter from a different collection agency ( Capio Partners , LLC ). So I'm writing a letter to them disputing the bill with copies of all pertinent information. How do I make this stop?
06/28/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33617	Web
I started following my credit on XXXX XXXX a few months ago, and I got notification in XX/XX/XXXX that a debt collector identifying itself as Assetcare/Capio started reporting a medical collection from XX/XX/XXXX. I shouldnt have any medical collections because Ive been insured since XX/XX/XXXX. I wrote what I thought was a pretty detailed letter explaining this and asking for any documentation they have that would explain how or why I ended up with a medical bill which Im supposedly liable for. I also tried disputing it through the credit bureaus and the same thing happened. I dont understand what kind of game theyre pulling, and its ridiculous that something which to me seems like a random number is now reporting to my credit history, and without any explanation as to why my insurance wasnt billed. Again, Ive received no documentation to justify what theyre doing.
05/18/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 78247	Web
I just started monitoring my credit in XX/XX/2023 and and was notified by XXXX XXXX that a medical collections account was placed in my name, that I have zero knowledge of, nor have I event been contacted by the agency to be made aware of this account. The only information I have on this owed debt is the following : Account Number : ( Unknown ) Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Date Opened : XX/XX/2023 Responsibility : Individual Account Account Type : open Loan Type : XXXX XXXX Balance : {$980.00} Last Payment Amount : {$0.00} Original Amount : {$980.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Past Due : {$980.00} I want to file a complaint due to the adverse action take by this collection agency and it now affecting my credit report when they never reached out to me prior to verify if this debt is even mine!
07/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60419	Web	Servicemember
Basically, my name is XXXX XXXX XXXX XXXX My fathers name is XXXX XXXX XXXX My father had a XXXX XX/XX/XXXX and has been recovering every since.During his recovery he received anesthesia from XXXX XXXX of Illinois who billed him {$5400.00} but instead they billed me the balance. I was unaware of this and this should not have happened because we have different socials, addresses, birth dates etc. Since that point they gave the bill to a collection company called XXXX XXXX and now its been on my credit since XX/XX/2019. It has effected my credit drastically and I've been declined for numerous lines of credit and the refinancing of my vehicle and its stopped me from starting my own business and moving into a new house. I've reached out to capio but its still in limbo. I feel this is illegal and it blatant defamation and all parties involved should be held accountable.
06/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44903	Web
XXXX XXXX XXXX has placed several accounts on my credit report listing XXXX XXXX as the original creditor as XXXX XXXX and states that the account was opened XX/XX/2020. After contacting this company they recanted this information stating that the actual original creditor they are working for is another collection agency CAPIO PARTNERS, and that the original creditor is not XXXX XXXX but a hospital in XXXX Ohio. They were unable to give me an exact date of service, who the patient was. I have ever been notified by mail/phone/email/ or any otr correspondence prior to this 7 year old debt being placed on my credit report on XX/XX/2020. I've never been given the opportunity to dispute this debt prior to it being placed on my report. I've never contracted to pay any monies to Capio partners, it is my understanding this debt was purchased by them from unknown creditor.
06/09/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	XXXXX	Web
Capio partners continues to send us debt collection notices in the mail and call to harass us saying we owe money to urgent specialty associates. I have talk to the billing company affiliated with them on three different occasions and they say that they did not sell them the debt and they dont even use them as a collection agency. They have also told us three separate occasions that we do not owe anything to them. We have provided this information to Capio on several occasions and they still continue to call us send us notices and harass us to send them a check in the mail. They have never been able to confirm the doctor trying to collect the debt or the service that was rendered regarding the debt. This is very concerning. We believe this is a fraud and we will not send money to anyone that just asked us for money without confirming with the doctor that we owe.
08/05/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28269	Web
After reviewing my credit file on XX/XX/23 I identified a discrepancy with account listed under ASSETCARE and validation was requested as this was ab account that I did not recognize. I reviewed my credit report again XX/XX/23 and the account continues reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, not has my credit report been updated to reflect the account is disputed. I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.
06/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33624	Web	Older American
Asset Care LLC is showing a charge off account for XXXX XXXX on my credit report. When I contacted them via telephone they admitted that it was not XXXX XXXX but a XXXX account for XXXX XXXX XXXX XXXX but they chose to show it as a recent XX/XX/XXXX account for XXXX XXXX on my credit report as a charge off. I do not and did not owe XXXX XXXX XXXX any money from XXXX or any other time and they can not and will not provide any documentation on this claim. Yet they acknowledged that by law this outstanding balance should be removed from my report at the end of 7 years and that they knew it was from XXXX yet refused to correct the entry or remove it and have damaged my credit with this report. They intentionally listed it as current and it would remain for up to 7 years on my report in what is an obvious attempt to extort payment from me to get it removed.
03/18/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32712	Web
My complaint is regarding two companies known as Capio Partners LLC AND XXXX XXXX their contact information is listed below. I was a victim of identity theft and the account was proven to be not opened by me, and it was removed from all 3 credit credit reports in XXXX of XXXX. An identity XXXX alert has been placed on all my credit files yet the company tried now to use the another agency to place the same account on my XXXX, XXXX and XXXX credit file. This is not my account and i want it removed from my credit files permanently. Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$93.00} {$93.00} Payment Info Original loan amount {$93.00} Balance {$93.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
06/07/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34231	Web
I received two notifications from XXXX that two debt collections from a company called Capio Partners - XXXX XXXX XXXX, XXXX XXXX, XXXX, Tx. XXXX were added to my credit report as collections ( one in amt of {$250.00} and other in amt of {$300.00} for Fl. Hospital ). I then disputed the information with XXXX as I had ever heard of this company or done any business with Capio Partners and requested collection agency provide proof of the original debt from FL Hospital or remove the items from my credit report. XXXX has provided me the results of my two disputed items above for Capio Partners who has indicated they verified proof of original debt and items remain on my XXXX report. Capio Partners has not provided me with any proof of the original debts with FL Hospital and can not verify the debts to me so they need to be removed from my XXXX report.
06/12/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77357	Web
On XX/XX/XXXX I applied for a personal loan with XXXX XXXX. I was immediately informed of an account in collections in XXXX. I had no idea, I was never sent a bill or so much as a phone call. XXXX XXXX provided me the account information. This is how I first learned of this bill in collections. The same day I filed a dispute throu XXXX since it was showing up through them. The following day I get a call from the debt collection agency. I asked why I was never made aware either mail or phone of this balance.The man said there had been 4 mail and 4 phone attempts to reach me. I told him that was a lie I had never been contacted. He said that the account was not yet sent to collections yet. Which was another lie since I had been made aware one day before that it was. XXXX dispute had been completed and that account was to remain tillXX/XX/XXXX.
10/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 346XX	Web
I have 5 debits listed that continue to change listing dates. Two of them in the amount of {$19000.00} and {$1100.00} where acquired XX/XX/XXXX and are listed on my credit report as opening a second time in XX/XX/XXXX. I have another two for XXXX XXXX that where acquired at the same time in XXXX yet they have been relisted as XXXX and XX/XX/XXXX.The last one that is incorrect is the nationwide recovery for the amount of {$260.00}. It is listed with a date of XXXX. I have not been seen by this hospital since XXXX. So the date should be from XXXX not XXXX. When the debits come close to the 7 year mark they are taken off and then relisted. Just as the one For {$19000.00} it was listed in XXXX and now again in XXXX. The ambulance one from XXXX for the amount of {$1100.00} was listed the same day as the {$19000.00} and its date has not changed.
03/21/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 207XX	Web	Older American
In XXXX I was hospitalized. On XX/XX/XXXX I received a collection notice from Capio Partners ( collection agency ) notifying me that I had an outstanding balance of {$1800.00} from XXXX XXXX XXXX. Please note : I never received a bill and the charges were never submitted to my insurance company XXXX XXXX. This bill is now showing up on my credit report and I am getting the run around from XXXX XXXX XXXX ( XXXX ). I've spoken with my insurance company and it is XXXX 's responsibility to submit the claim. XXXX told me I had to deal directly with the collection agency who told me I had to contact my insurance company. Because the claim was never submitted the insurance company can not process a claim. I no longer have this insurance and because XXXX did not submit the claim back in XXXX it is likely that XXXX will deny anything submitted now.
11/08/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MS 38671	Web	Servicemember
On XX/XX/2020 I received collection alerts from two major credit bureaus, specifically XXXX and XXXX, that alleged that I owed a debt to AssetCare , LLC in the amount of {$2100.00}. Prior to my request for this company to verify that this debt is valid, I have never been in contact in any capacity with them nor the company that they allege to represent. They originally had 5 days to send me valid information that proved this debt belonged to me but instead they frivolously and unlawfully place this item on my XXXX and XXXX credit reports causing embarrassment, damaging my reputation in terms of my profession. I reached out to the company on XX/XX/2020 and have yet to hear from them as they have ignored my initial request for them to provide me with very specific and crucial information that will adjudge their misrepresentation.
05/05/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 63376	Web
Tried to call company this company is called asset care is not a real company ass ets care In c. are scammers this company people are playi ng on phone this who ever they are called tries to take money they need to be investigated I do n't owe anything are any body they illegally put XXXX bad collections on my account no I want these removed asap and for you all to sue them for wrong practicing its against the law to put collections on ones account with out them knowing are knowing about it never received anything from them do n't now company. she says her name was XXXX refuse to give me any information about me just demanded money and very rude and bad threats no one should have to put up with this cruel punishment is horrible the things these people do to get money illegally this are these people are not who they say they are.
05/08/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33511	Web
I checked my credit today and discovered that there is a Capio Partners collection that was just reported to my credit. It seems they are asking for {$610.00} and the account number is " XXXX ''. I did not receive any notice with a right to dispute before this was reported to my credit. This is concerning because I do not know who this company is or why they want me to pay them such a large sum of money. I 've done some research online and this company has been involved in several scam stories for many consumers. As a matter of fact, there is a 100 % negative review rating on the Better Business Bureau! Considering their history, I am not about to reach to this suspicious company when I do n't even know what this debt is for. They need to explain who they are and why they want me to pay them {$610.00}.
06/22/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48335	Web
Capio Partners is stating that I owe them for a debt. I requested for them to send me validation a signed contract with my signature and that the agreement was between Capio Partners and I and a break down of the debt they say I owe them. Also I requested that they show me proof that they are able to collect a debt in the state of MI as well as other specific things Ive asked them to prove. Capio Partners is stating that I owe them for XXXX XXXX Of Michigan in the amount of {$180.00}. I reached out to XXXX and asked do they sell debt they stated no ( Im well aware of my HIPPA laws ). I could sue XXXX for violating XXXX laws. Capio Partners has violated multiple HIPPA laws and I have my lawyer on hand to sue Capio Partners for the violations of my medical rights. Also there information has not been reviewed by a lawyer.
11/12/2021	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	WI 53066	Web	Older American
A company called for a relative and refused to say anything about their business besides they were Capio. The line they called on was recorded and even though I asked them 4 or 5 times what type of business they were they only would say they were Capio. When I continued to insist who they were they rudely hung up on me. I called back and theyre Capio Partners , LLC but would not identify themselves as the type of business ... just that they help businesses. I looked on the internet and they are a collection agency specializing in health care. It is illegal to call and not identify themselves as a collection agency ... .I asked many times and it was on a recorded line from a caller within the State of Wisconsin so the recording is legitimate. I would like to find out to have them prosecuted for using illegal tactics.
10/04/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08088	Web
My wife and I received a notice of debt from AssetCare LLC dated XX/XX/XXXX. I called them XX/XX/XXXX and informed them that the information provided didn't provide enough information for us to verify the debt was valid. I was told to email their company and did so on the XXXX. I followed up with another call on XX/XX/XXXX when I did not receive a response and was told that sometimes it takes a while. They still have not been able to provide that information. The initial paperwork also did not have all the legally required declarations about disputing the debt. They called me XXXX and I returned the call XXXX and told them that since the debt was over 6 years old and that they hadn't responded to my request for documentation that I would not accept any more communications from them and would be making a complaint.
01/11/2019	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TN 37066	Web
I was in the hospital multiple times ( 3 ) i was not a minor, My father said he would have my bills put on his insurance and he was there 2 of the 3 times i was at XXXX XXXX XXXX XXXX in XXXX Tn. The first time he went there and gave them the insurance card to get this resolved before they billed me. I have recieved multiple letters and calls from them stating that i owe XXXX . My father keeps telling me he will get this fixed but i just recently got approved for a credit card to start building credit, as im only XXXX years old and i allready have 3 derogatory marks due to this. I do not want this to hurt me or my credit, especially because i just started trying to build my credit. The dates are XX/XX/2018 for XXXX . XX/XX/2018 for XXXX . And XX/XX/2018 for XXXX . If you could help me this would be awesome.
05/09/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	CA 92507	Web
In XXXX 2014 I went to XXXX XXXX Hospital after receiving an XXXX. I did not have my insurance card on me at the time but I called in the following week with the information. I was insured and have been insured for the last 10 years with XXXX XXXX. I later learned XXXX XXXX hospital sent my bill of {$2600.00} to Capio Partners which is a debt collection agency. I have made multiple attempts to contact Capio partners with my insurance information and contacted health net to see why the debt is in collections. All attempts were unsuccessful and all parties have failed to resolve the issue. Although my plan has changed with health net we were still covered at the time of the incident. I will leave information for the debt collector and for my insurance. CAPIO XXXX, TX XXXX XXXX XXXX XXXX XXXX Subscriber # XXXX
06/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 30180	Web
I have been trying to repair my credit for over a year now after falling on hard times. I have monitored my credit daily and trying to research my options for debt relief. I have found that a company collecting a debt for medical bills has hit my credit report more than once for the same debt multiple times. They change their name and then re-report the same debt to my credit report. Every time my credit score drops because it looks as if it is a different debt. IE : In XX/XX/2019 my credit score was XXXX, a law firm by the name of XXXX XXXX XXXX/capio reported 6 accounts as derogatory which reduced my credit score to XXXX. 7 Months later I had built my score back to XXXX, then the company Capio Partners LLC report the same 6 accounts as derogatory and my credit drops another 80 points for the exact same debt.
07/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77598	Web
CAPIO PARTNERS has inserted an account in the amount of {$600.00} representing XXXX XXXX XXXX XXXX. I have never had any business or obligation with XXXX XXXX nor XXXX XXXX XXXX.NOR have I ever signed any form related to release any medical history to any companies. This is entirely against HIPPA. I am a victim of identity theft and there is a fraud alert on my credit file. I have also informed CAPIO of this status. CAPIO PARTNERS can not provide a contract bearing my signature that I have any obligation that I would owe or ever owed them any monies. CAPIO PARTNERS has never contacted me regarding the attempt to collect a debt yet they just inserted onto my credit file without warning. there is no contract and never has been one. there is no legal proof bearing my signature that proves that I indeed owe monies.
12/24/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 074XX	Web
On XX/XX/2020, I discovered some accounts on my credit report that did not belong to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/2020, I started my journey of removing accounts that were not mine on my credit report, little by little the accounts are coming off, unfortunately, on XX/XX/2020, I pulled my updated credit report and found out a new collection on it with two different account numbers that I did not recognize, not knowing what to do, I searched on XXXX how and where I could do a complaint to accelerate the process of fixing this Issue that at this point I think is an issue with Identity Theft. The TWO accounts with ASSETCARELLC/CAPIOPART that are not mine and they are on my XXXX and XXXX credit report, alleged account # : XXXX and XXXX.
11/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
On XXXX XXXX 2020 I was alerted that my XXXX score had dropped by 30 points. I went to check and a company going by Capiro Partners LLC stating that I owed a medical bill in Louisiana with false dates and falsified information. I filed an XXXX dispute and Capiro Partners LLC flagged the false account as collections and have since flagged it monthly as if I have a late payment on my credit. I have not spoken to or agreed to pay anything with a Capiro Partners LLC who is intent on destroying my hard earn credit rating in an attempt to bully me into paying a debt that is not mine nor do I have any knowledge of. They are downright illegal in the way they go about business, by blatantly abusing reporting powers to report false information in an attempt to intimidate and bully consumers into paying debt or suffer.
04/30/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 94526	Web
Capio Partners This company is attempting to collect a debt from an Energency Room visit that occurred on XX/XX/2016. The provider was paid in full according to his contract with my insurance in XXXX of 2016. Capio Partners bought this " bad debt '' from the providers billing company and is attempting to harass and bully me to pay {$540.00} that I do not owe. They have been contact by my Insurance provider and provided proof of payment four times, yet they insist they have received nothing. I personally sent them the information and they insist they have not gotten it. After some research. I learned that Capio Partners is known for this behavior and will harass you until you pay. It does not matter if you do not owe the money. I have also filed a fraud complaint with my local District Attorney 's Office.
09/05/2019	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	PA 180XX	Web
My physician wanted to do XXXX XXXX on me. We discussed that I am on Social Security XXXX, therefore, he needs to submit it to a participating provider as I only have one insurance through my husband 's employer and could not pay for anything out of network because I have very limited funds. He agreed and sent it through an in network provider who then went it to a different out of network provider. As a result, and by no fault of my own, they are saying I owe them over {$3000.00}. I spoke with my doctor and they said they would handle it. More importantly, they never called or spoke to me directly. Now, they sent a collections letter to my son 's address in Washington State. I have never resided in Washington state. They are violating FDCPA laws by sending that to my son and not to me. This is my complaint.
10/22/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	LA 707XX	Web	Servicemember
My complaint is due to the neglect of the FCRA of 1970XX/XX/XXXXby the company XXXX in reference to my credit report. The company neglected the following two stipulations by this act. 1. Furnishers must also notify a CRA if the information is being disputed, if an account is being closed and if an account is delinquent. There are special considerations for financial institutions who must also notify the consumer within 30 days if they are sending negative information with regards to delinquent accounts to a credit reporting agency. 2. Every collector must send you a written validation notice telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you dont think you owe the money
05/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33181	Web
On XX/XX/2020 I was attended at XXXX XXXX XXXX XXXX XXXX with a suspecting of XXXX. I wasn't feeling well and during the interview previous to my attendance I made clear I did not had insurance to cover for the XXXX XXXX. They them told me not to be concern about it as it would be treated as an XXXX XXXX. They never made me clear I would start receiving collection attempts just a few days after my attendance. It is really outrageous that they are taking advantage of people at a time of weakness. I already filled three different complains about this same subject with CFPB but never got any return of my case. Instead, the only thing I got is a hurt in my credit and a continuous harassments of many different collection companies calling, sending collection letters in an attempt to collect a debt I did not owe.
08/07/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 775XX	Web
CAPIO PARTNERS has inserted an account in the amount of {$1100.00} representing XXXX XXXX XXXX XXXX. I have never had any business or obligation with CAPIO nor XXXX XXXX XXXX have I ever signed any form related to release any medical history to any companies. This is entirely against HIPPA. I am a victim of identity theft and there is a fraud alert on my credit file. I have also informed CAPIO of this status. CAPIO PARTNERS can not provide a contract bearing my signature that I have any obligation that I would owe or ever owed them any monies. CAPIO PARTNERS has never contacted me regarding the attempt to collect a debt yet they just inserted onto my credit file without warning. there is no contract and never has been one. there is no legal proof bearing my signature that proves that I indeed owe monies.
05/01/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32164	Web
There is a medical debt on my credit report, with the collection agency being noted as XXXX XXXX, with the debtor being noted as XXXX XXXX XXXX. It is noted that this account was opened on XX/XX/XXXX in the amount of {$980.00}. I was not even living in Pennsylvania in XX/XX/XXXX, I was living in XXXX for the first few months of XX/XX/XXXX then moved to XXXX in XX/XX/XXXX. There is absolutely no way this debt is mine. Furthermore, I have never been to XXXX XXXX XXXX nor have I ever received a bill from XXXX XXXX XXXX. I submitted a complaint with XXXX and they did not remove this from my report. They stated that the debtor validated this debt, even though I told XXXX when I submitted the complaint that I have never been to this hospital. XXXX did a terrible job of investigating this claim.
01/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30097	Web
I am suffering from identity theft crime. Someone used my personal information to obtain credit goods without my authorization. The problem was reported to three major credit reporting agencies back in XXXX, 2020. XXXX and XXXX XXXX found all accounts that I reported to be fraudulent and removed them successfully from my personal credit report. XXXX is not accepting all of identity theft reports ( FTC and XXXX county police ) and continuing to post few fraudulent accounts on my credit report. Those accounts are listed as XXXX XXXX XXXX XXXX CAPIO PARTNERS LLC XXXX CAPIO PARTNERS LLC XXXX I have requested verification and validation of these accounts, but XXXX nor the creditors of these accounts never followed with my demand. I believe that both parties are in violation of FCRA and FDCPA.
06/02/2023	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 32119	Web
Capio Partners sent collections notice for a medical debt with dates ranging from XXXX in the amount of {$3900.00} that not only is NOT mine but also according to the hospital does not even exist, nor do the ALLEGED accounts mentioned in reference to the medical debts. I filed a police report with my local police department for fraudulent activity, disputed the transaction with Capio, who was fishing for more information. Unfortunately, I did provide my correct date of birth which I now realize was a mistake as I may be the victim of identity theft. I did not attach documents to this report as I do not want the scam company to have any more information of mine compromised, but I will gladly send all documents to the consumer finance bureau independently for review during the investigation.
04/07/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33617	Web
To Whom It May Concern : I dispute your claim and request validation according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). Provide a breakdown of fees, including how you calculated what you claim I owe. Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until the debt has been validated by me asrequired under the FCRA. Send me proof that you are licensed to collect debt in my state. Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. I will await your reply with the above-requested proof. Upon receiving it, I will correspond back with you. Sincerely, XXXX XXXX
07/04/2021	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NC 28314	Web
I have never signed medical release forms authorizing these companies to provide information with my medical bills. I have repeatedly requested these reports removed. This is in direct violation of my hipaa rights, Im requesting these reports removed immediately. In order for a company to claim debit they are to provide the listing debt company with detailed information regarding the debt. Ive never been contacted prior to or after these debits were initiated not by phone or mail ( service dates XXXX ). I have submitted disputes that have been deleted / removed and then added again by these companies. This is harassment, and damaging to my credit worthiness. Again Im requesting these medical debts removed immediately, I have never given my consent for my medical information to be shared.
04/21/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33703	Web
The company Capio Address : XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX has submitted collections to my XXXX Credit Buero for 3 collection accounts. These are not my accounts. I never received anything digitally or in writing for these accounts. I have never been to XXXX XXXX which shows twice with two different amounts and XXXX XXXX XXXX. I have good credit, also I am floored that this company has my information and can place a collection on someone's account that isn't even theirs. Please investigate this company to the fullest. I will be filing other grievances with their location consumer protection agencies to get this resolve faster as this hinders my ability to finance and leverage my credit report which in turn affects my lively hood and my family well being.
01/05/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 18018	Web
I am lodging a formal complaint against asset care llc debt collector. This debt collector has reported derogatory information on my credit reports for a debt in the amount of {$1000.00} which isn't my debt. Asset care llc never sent me a dunning notice in the mail which would have gave me 30 days to dispute the validity of this debt which isn't mine. Not even a phone call. Asset care has violated the fdcpa/fcra. This is unacceptable and this is happening at the worst time possible. I am in the process of purchasing my very first home for my family and I. I am now being told this errounous account is holding me back! I am requesting this account be deleted immediately from my credit reports. XXXX, and attorney general complaints will be filed if this account isn't deleted immediately.
08/16/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30016	Web
XXXX XXXX XXXX sent a bill to Capio Partners stating I owed and never paid my hospital bill in the amount of {$190.00}, I never received a bill from the hospital. Then Capio Partners put on my credit XX/XX/2018 that I owe them this debt. I never new I owed a bill with the hospital because I have two insurances ( XXXX & XXXX ). I called XXXX and was told the bill statement was sent back saying invalid address, this is why I never received a bill, this was a clerical error on XXXX billing. This bill is paid and Capio Partners have yet to remove this negative action of my credit report. I have tried reaching out to Capio Partners and I have yet to get a response from them. I never even received anything from Capio Partners informing me this account was sent to a debt collection agency.
09/22/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77053	Web
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that CAPIO PARTNERS would verify the debt. So I took it upon myself to ask CAPIO PARTNERS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
09/10/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32763	Web
On XX/XX/XXXX, I received a letter from Capio Partners, in which they claimed they had purchased XXXX worth of medical debt that I they claim I owe to XXXX XXXX XXXX XXXX. I responded on XX/XX/XXXX requesting, in writing, verification of the debt, as I had never received a bill from this company.On XX/XX/XXXX Capio responded in writing and provided what they claim is the original bill. Upon further examination, this bill has my given name, yet has an address I have never lived at. Furthermore, upon checking my credit report, I discovered that Capio placed a collection notice on my credit report for two reporting agencies on XX/XX/XXXX. Please note that on XX/XX/XXXX I had not yet even received notice for Capio Partners of this potential debt.Thank you for your help in this matter.
06/15/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32822	Web
I have been making payments to Capio Partners under 2 accounts for 2 years. these are accounts XXXX & XXXX. Payment was being made through XXXX XXXX. Back in XX/XX/XXXX acct XXXX was paid in full & when I called to verify I was informed of 2 other accounts that were misscoded as bankruptcy when they realized that was an error on their part they came after me agressively & I settled those accounts & continued paying on XXXX through XXXX. That account should have paid in full this week so I attempted to verify that & was told after 6 calls to different numbers that they show no record of that account & I owe them nothing to call XXXX. XXXX shows Capio has cashed every payment sent to them even though they claim I owe them nothing since XX/XX/XXXX. Hundreds of dollars gone.no answer.
08/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33461	Web
Filed a Dispute with Credit Bureaus for Asset Care, LLC on XX/XX/2023 which did not remove a Medical Collection stating I owed {$800.00} to XXXX XXXX XXXX. I sent the company a letter on XX/XX/2023 detailing that my health insurance co-pay for emergencies is {$500.00} and asked to see a detailed accounting, the signed contract/promise with my signature and the Chain of Title from XXXX XXXX XXXX This is an In-Network hospital and I also pay XXXX the XXXX of every month. I never received the information I asked for but I did receive a letter from Asset Care, LLC on XX/XX/2023 stating they SOLD the Account! My credit report still shows a collection from Asset Care, LLC as of today. I need your help in removing this one and only collection from my credit reports. Thank you, XXXX XXXX
09/05/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32738	Web	Servicemember
CAPIO PARTNERS LLC - Open Date XX/XX/XXXX Balance Amount {$55.00} CAPIO PARTNERS LLC - Open Date XX/XX/XXXX Balance Amount {$250.00} I called this agency and asked them what the debt was for, They advised me it was for a XXXX XXXX XXXX XXXX and this was a debt that was apparently from XXXX. I advised them that I do not owe any money to this agency and have never utilized their services. they are falsely listing this as a newly defaulted account on my credit as well as will not help in removing this information from my credit report and simply want payment. I have never received a notice from this company prior to this debt being placed on my credit and I am currently in the process of purchasing a home. this falsely reported debt may potentially cost me the purchase of said home.
03/18/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30013	Web
This company is a 3d bill collector for a medical company that is no longer open. Another medical company purchased the previous company. The debt is not mine, The medical company that hired the collection company can not provide any medical information with my name on it with my signature for acceptance of medical care nor an itemized bill of what procedures were done. This collection company has failed to notify me of such debt and are attempting to collect debt that is not owed and has fraudulently increased the amount owed. Used scare tactics by adding notes on my credit report regarding this account as if it had been being paid and I defaulted. Intimidating nature and fraudulent nature. I request for this medical collection to be removed from my credit reports immediately.
06/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IA 50266	Web	Servicemember
I went the XXXX in XXXX, FL for a medical emergency back in 2020. As a XXXX XXXX XXXXXXXX veteran I am allowed to go to a community ER when no VA ER is available. On top of being treated like XXXX by the physicians on duty, after my visit I was billed for it. I notified the VA and was told the bill would be taken care of. XXXXXXXX XXXX billing department called me and I explained to them I was a XXXX XXXX XXXX vet and the VA would pay my bill which to my knowledge they did. Under U.S. Code 38 sub section 1728 I'm not responsible for the bill. Now three years later I check my credit report and it's listed under collections on XXXX by Assetcare LLC however it's not listed on XXXX. It is showing an amount on XXXX of {$1300.00} so they need to remove this because it's not legit.
01/21/2018	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NV 891XX	Web
On XX/XX/XXXX, I sent 2 certified letters to Capio Partners asking them for debt validation of the two accounts as I never received any bills prior to both debts hitting my credit report, one is in the sum of {$990.00} and the other is in the sum of {$590.00}. I received a letter back on XX/XX/XXXX stating they had attached verification of the debt they obtained for the medical service provider. The documentation provided included 7 full pages, detailing all of the treatment/procedures done as well as the cost associated with the procedures and treatments given at the hospital. ( XXXX XXXX XXXX XXXX XXXX XXXX ) They have violated the regulations of the HIPAA Act of XXXX. I never signed a HIPAA form authorizing Capio Partners to have access to my patient information.
10/02/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33324	Web	Servicemember
This alleged debt was originally with XXXX. XXXX was unable to validate the debt and the alleged original creditor ( XXXX XXXX XXXX XXXX ) was also unable to prove this alleged debt belonged to me. The debt was REMOVED from my credit reports. This alleged debt is now with Capio Partners and is now being reported on my credit reports. I would like this debt removed from my credit reports immediately. This debt does not belong to me.XXXX XXXX was unsuccessful in proving the debt was mine when working with XXXX collection agency and resulted to selling the debt and/or using another collection agency to attempt to collect on a debt that has not been proven to be my debt. This is an inaccurate and illegal reporting and I want this account removed from my credit files.
11/03/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 342XX	Web	Older American
'Capio Partners ' of XXXX Texas is attempting to collect a debt for 2 doctor 's visits in XXXX. Both are billed separately ; both are billed on the same date. One is for {$79.00} and the other for {$120.00}. I never have been to a doctor who I have not paid. Also, if I go to a doctor, they usually collect the money first. I have no idea what this charge is about and neither does the collection bureau. This notice of approx. {$200.00} was mailed to me on XX/XX/XXXX. Before this I had a credit score in the high XXXX 's. Now it is in the low XXXX 's. I was advised of this infraction when I spoke to XXXX and XXXX. Both told me that would accept my business, but both referred to my rectifying this fraudulent charge. Please help me with this. And, thank you.
03/06/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33435	Web
This collection appeared in my credit report out of the blue as of XXXX XXXX. There has never been any correspondence between this company and I, no records of any emails or phone calls regarding this collection. If it was a very old dept, why now after so many years. I require this fraudulent company to PRODUCE any documents or contract with their name on it next to my signature. I do not have any recollection of contraction with such company. Please get them to remove their dirty paws out of my pocket. Thanks. Here is the company name and details below this line -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Amount {$580.00} (
01/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 389XX	Web
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to the file this dispute. I also constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1001. Additionally, these misstatement are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
12/05/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 713XX	Web
I got an alert from XXXX several months ago concerning a medical bill from Capio Partners for {$95.00} on a bill from a XXXX XXXX who I dont know at all. I contacted the hospitalin XXXX, LA and informed them of the error. They in turned verified that it was not me an they got it removed from my credit report after i called. Just XXXX weeks ago i received a call from Capio Partners inquiring about the same account. I told them there is no validation that the account is mine because Ive never been to that hospital nor do I know the guy in question. I have excellent credit and they have not done their research to see that its not me. I want to know the steps in filing a formal complaint because it is not fair practice. Please advise me of the steps i need to take.
11/14/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77471	Web
I sent certified registered letters to CAPIO PARTNERS regarding accounts that appear on my credit reports with all three credit bureaus. I requested a DEBT VALIDATION letter and they in turn sent me an " account statement '' which has my last 4 digits of my social security number on them, dates of service, and original account numbers from medical/healthcare facilities. There is also a section with " Patient : XXXX, XXXX XXXX ''. These are all in direct violation of XXXXIPPA Regulations including but not limited to the 18 HIPPA Identifiers. I did not sign a HIPPA letter giving them permission to have this protected health information about me. I am attaching the letters I sent CAPIO PARTNERS and the ones they sent me in this complaint. Thank you XXXX XXXX
06/17/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IN XXXXX	Web
I was sent a bill from collection agency never heard of on bill never seen nor ever contacted about medical bill from collection agency XXXX XXXX XXXX several other names Texas number I think but over XXXX yr old bill said I owed for over XXXX insurance didnt cover 2 dates in XX/XX/XXXX didnt recognize. I had copy dont know where its at right now but know it was not correct I had XXXX XXXXXXXX XXXX XXXX but never sent any bill was lied to last year told XXXX did work retired XXXX hes still practicting. I enquired because XXXX illegally denied me telehealth with primary XXXX yrs Florida had before coming up home Indiana said I would pay out of pocket denied then just stopped my dual health ins said didnt have proper medicaid designt for the XXXX XXXX XXXX
07/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 32835	Web
I NOTICED CAPIO PARTNERS HAS BEEN FURNISHING INCORRECT UNSUBSTANCIATED INFORMATION TO OTHER CONSUMER CREDIT REPORTING AGENCIES. I HAVE NEVER ENTERED INTO A CONSUMER RELATIONSHIP WITH CAPIO PARTNERS. THIS CONSUMER/NATURAL PERSON SENT CAPIO PARTNERS A CEASE AND DESIST ALONG WITH A VALIDATION OF THE ALLEGED DEBT ON XX/XX/2022. CAPIO PARTNERS HAS NOT RESPONDED, CAPIO PARTNERS HAS NOT ADHERED TO THE FCRA LAWS. CAPIO PARTNERS FAILED TO SUPPLY ME PROPED VALIDATION. CAPIO PARTNERS CONTUNUED FURNISHING THIS ALLEGED DEBT DURING THE INVESTIGATION PERIOD NOR HAS CAPIO PARTNERS PROVIDED ME WITH THE INVESTIGATION EFFORTS. I NEVER GAVE CAPIO PARTNERS PERMISSION TO FURNISH ANY XXXX INFORMATION I DO NOT KNOW WHO THIS COMPANY IS AFFILIATED IS THIS NOT IDENTITY THEFT?
10/22/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89801	Web	Older American
On XX/XX/2018 a collection for two bills from XXXX/Capiopartner showed up on my XXXX Credit Report. The two bills are for XXXX HOSPITAL in Texas. The First bill is for {$1200.00} and the second bill is for {$1000.00}. I called the credit collection agency XXXX/Capiopartners to resolve this collection at the following numbers : XXXX they refered me to another phone number XXXX. After 22 minutes of waiting and being transfered around I finally got a person who said she could not help me. I filed a dispute with XXXX twice. They received a confirmation back from XXXX/Capiopartner that the information was correct and these two bills from XXXX HOSPITAL were correct. I do not know XXXX HOSPITAL and have never been to that hospital. This is not my debt.
11/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 336XX	Web
Asset care LLC is reporting a medical debt collections account on my report. This is a breach of my privacy, further more a violation of the FCRA to report false and incorrect information. I do not recall giving permission for ( XXXX XXXX XXXX ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you Cease any credit bureau reporting.
10/04/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IN 46074	Web
Capio Partners , LLC is trying to collect {$2500.00} from me that I do not owe. On XX/XX/XXXX and XX/XX/XXXX, two claims arose for medical treatment I received vis XXXX XXXX XXXX XXXX. During the entirety of XXXX, I was covered under Illinois XXXX, which the State of Illinois confirmed with me yesterday, XX/XX/XXXX. XXXX XXXX sold this debt before the state of Illinois was done processing and paying these claims. The state of Illinois told me to have XXXX XXXX XXXX XXXX submit these claims again, but they can not since the debt was sold. Now Capio Partners , LLC has been trying to collect from me instead of the State of Illinois. They've contacted me and family members, even telling them they will sue me and have reported me to credit agencies.
09/16/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78501	Web	Servicemember
On around XX/XX/2021 I called & requested by telephone for a debt validation & verification letter from CAPIO PARTNERS LLC for the amount of {$2200.00} and as allowed under the Fair Debt Collection Practices Act, I have requested them to allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX, but I am unaware of the amount due and have NOT received a bill that includes a breakdown of any fees including descriptions of said fees AND/OR interests occurred. I will send a SECOND and last request for a VALID debt validation with the following. 1. ) provide breakdown of fees including any collection costs and medical charges. & 2. ) Cease any credit bureau reporting until the debt has been validated by me.
10/01/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	VA 23321	Web	Servicemember
I am in the process of trying to purchase a home. I was unaware of a fraudulent debt on my account, until I was declined by the bank for a home loan. I have never received any notification of a debt, notification of right to dispute within 30 days, or any verification of these alleged debts from Capio, which is a violation of FDCPA. Capio has destroyed my credit, without notifying me of the same, for accounts that I do not owe. I do not owe Capio, nor any party that Capio, claims to represent. This is the last thing a consumer should have to be facing, especially in unprecedented times, such as these. I demand that Capio remove this fraudulent debt from my credit report or I will sue, and seek the maximum compensation available under the law.
06/03/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NJ 07002	Web
XX/XX/XXXX {$1500.00} caprio partners collection from XXXX hospital. I disputed via XXXX XXXX the account for about a year sin they opened the account on XX/XX/XXXX never been contacted by them. I called the hospital and they never submitted my account with an appeal letter they had my XXXX/ XXXX insurance cards they failed to file within the year but 90 days passed and they send me to a collection agency and never billed or called me. Now I have this balance affecting my credit I also send an email to a supervisor there number is XXXX spoke to XXXX XXXX XX/XX/XXXX. They want me to pay for their mistake. I had insurance to cover my medical services. They failed to do their job and now they want to make me responsible. Please help thank you
08/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33558	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.
11/20/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77021	Web	Servicemember
A COLLECTION for {$50.00} was submitted to my XXXX Credit Report on XX/XX/2018. I do not know who this is and it is NOT my bill. XXXX/CAPIOPART Account # XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Company Sold - Account Type Collection Department / Agency / Attorney Date Opened XX/XX/2018 Account Status Closed Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/2018 Balance {$50.00} Balance Updated XX/XX/2018 Original Balance $ 50 Monthly Payment - Past Due Amount {$50.00} Highest Balance - Terms 1 Month Responsibility Individual Your Statement - Comments - CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
12/07/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	RI 02920	Web
The hospital never submitted an invoice to my insurance company, and they eventually sent it to a dept collector, i reached out to the dept collection agency and disputed this bill, since my insurance would pay any bill 100 % complete. I spoke to my insurance company and they have reached out to the hospital 's billing dept to back pay this bill, and i've requested for the dept collector to remove it and they refused to until, they receive a written agreement from XXXX XXXX. They have severally damaged my credit behind this matter. I just recently realized this XX/XX/XXXX bill was not token care of, but only because of my credit report. I've disputed this matter numerous of times within XX/XX/XXXX year via XXXX, XXXX, XXXX, etc
10/28/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 180XX	Web
Assetxare LLC has been putting erroneous charges on my credit report. They attempted to do this twice before and it was removed from my credit report. They recently attempted again to put a {$2900.00} charge on my credit report and this time it was not removed from my credit report. Mind you XXXX has removed all of these from my credit report!! If this does not get removed immediately I will be seeking legal counsel for help!! This is unacceptable business practices. It is called harassment and I have no knowledge whatsoever in regards to these accounts. I have not received any correspondence from this company.Last year I went as far as freezing my credit report so these disgusting companies could not harm my credit. Thank you.
01/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34639	Web
I was recently observed that on my XXXX report that a company by the name of XXXX reported an unpaid balance on my credit report, amount owing to XXXX XXXX XXXX. I was never sent a bill or was ever made aware by XXXX that I am owing them any money. I have full insurance coverage from XXXX XXXX XXXX which covers at 100 % thru my employer plus an additional XXXX account with {$2700.00} for the year to assist with co pays if any or any other medical bill payment I only go to my doctor for yearly physical and any screenings they might order as part of that visit. I had plenty of insurance to cover all my medical expenses so I would have no reason to owe any money to XXXX. This bill is not mine and should be removed from my record.
07/08/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 330XX	Web	Older American
Was in the hospital for a XXXX XXXX for 5 days I have XXXX and XXXX secondary insurance I did not know I would have to pay out of pocket for the 5 day stay in the hospital.I got a bill for {$810.00} I am a senior citizen on a fixed income and started to pay {$20.00} a month to XXXX XXXX XXXX in Florida got the bill down to {$690.00} and they sent a remaining account balance due statement that I should pay a total of {$120.00} total amount due. I paid the {$120.00} in full to XXXX hospital. I have all paper work and a copy of the cancelled check I sent.. In XXXX or XXXX a get a notice of debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX that I owe {$780.00} for my XXXX Hospital bill what should I do about it??
05/22/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AL 368XX	Web
I attempted to have a XXXX removed from my right eye. Dr XXXX XXXX made a mistake during the XXXX and several pieces of the XXXX XXXX XXXX and migrated to the back of my XXXX. As a direct result of his error, I needed a second XXXX, by Dr XXXX XXXX ( a XXXX XXXX ). The end result is that I am Legally XXXX in my right eye ( 20/450 ). I paid Dr XXXX But I did NOT pay all of Dr XXXXHospital bills. Because I would have never NEEDED the 2nd XXXX if Dr XXXX did his job correctly. I do not see the logic of paying for who caused me to be XXXX. Would you? The bill was something like $ XXXX and change.... XXXX I chose not to sue Dr XXXX because I am not the litigious type of person. Apparently they do NOT feel the same way....
05/11/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 324XX	Web
I contacted Capio Partners to dispute validity of a debt from a hospital ER visit, I was referred by a representative at Capio partners to send them a email I emailed them on XX/XX/2021 I received a letter on XX/XX/2021 from Capio Partners with documents an intemized bill that contained my personal health information that was illegally obtained by Capio Partners I never signed a HIPAA release form for them to obtain my information with them or with the hospital XXXX XXXX XXXX XXXX I believe they are in a direct violation of HIPAA laws. I also have reason to believe that XXXX XXXX XXXX XXXX is also in direct violation of HIPAA by providing this information to Capio Partners without my written consent via HIPAA release form.
08/17/2022	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	GA 318XX	Web
a collection letter as sent to me from asset care llc and a derogatory mark was listed on my credit file with credit check total. when I researched this company because I never had a account with them I found that the account was transferred or sold which makes me no longer responsible for this account. Debtors creditor did not verify this collection. Also there was NO written form of communication, contract, or written signature for this accused debt. Sending me a bill with no signature or contact does not validate this debt, Anyone can send a bill to someone and say its there's. According to the FCRA, Asset Care LLC HAS VIOLATED MY RIGHTS as a consumer and I'm requesting legal action to remove this account immediately.
01/14/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
I went to the emergency room in XXXX for some XXXX XXXX XXXX, and I provided my medicaid information to the hospital. Apparently the hospital did not provide that information to the doctor, and now I've received a bill for {$1400.00}. I do not owe it. It would have been covered by medicaid if they'd just communicated with the hospital. That being said, it's now past timely filing, and I am unable to have them billed for it. Legally, they need to wipe out the debt and delete it from my credit report. It is a violation of my XXXX rights to have a medical debt on my credit report as well, and if I can not get this resolved amicably, then I will have no choice but to contact my attorney to get this resolved and seek damages.
11/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77450	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the ASSETCARE LLC ( XXXX XXXX XXXX ) XXXX Balance {$84.00} still reporting on my credit report in violation of Federal Law. The XXXX Credit Bureau is failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO.
02/18/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70560	Web
Im a victim of ID theft that has been ongoing for several years. Ive sent copies of my ID theft report and police report to the medical facility, and they still havent removed the debt. Now theyre having debt collectors try to collect this. I have never even heard of this medical facility. Even if I were to be seen by a doctor in any facility, I wouldnt get a bill for over {$8000.00}. I have insurance throug h Medicare and Medicaid. Please just remove this debt and stop harassing me to pay something I dont owe. This is becoming detrimental to my finances. Every time one of these fraudulent bills gets put on my credit, it significantly lowers my score and causes me to not qualify for the financial products that I need.
08/21/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77083	Web
On XX/XX/XXXX, I received a alert on my XXXX and XXXX credit file. They are seeking a collection payment in the amount of XXXX, XXXX and {$830.00} from XXXX XXXXI have not received any prior correspondence either via phone call or via mail from this agency concerning any type of debt to even validate or determine if it is indeed mine. I am unaware of any debt and absolutely have no contact with this company. This debt is not VALID. From This was placed on my credit report with no formal letter from XXXX XXXXI have been a victim of identity theft. This is against the law to list on my credit report without a formal letter. I have sent them a certified Validation of debt letter on XX/XX/2021 and have not gotten a respond.
07/21/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 93277	Web
There is a company called XXXX in this address XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX which has been calling me for more than a year and asked me to pay a hospital bill six years ago. But I told them that my last name was wrong and I have medical insurance and all members of my family and I asked them why I don't pay and I have medical insurance? Then the company asked me to send a copy of the medical insurance card, and I actually sent them a fax by a year ago and they told me to consider the problem had been solved. But after a year I was surprised to see a negative report from that company on my credit record.Now that company refuses to answer my calls without making any excuses and speaks to me in an insulting manner
05/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	DE 19711	Web
Debt collection was placed on my credit report. The debt is not mine. They called and when I asked to confirm the medical insurance account associated with the debt, the number dis not match my own. This is not surprising due to the fact that the time the original supposed debt was occurred I was still on my parent 's medical insurance and the only XXXX I had near the time was paid for by them, not me. If this is somehow a debt my father owed, he is dead, also I combed his records and no such debt existed. I have looked up the company the debt originated from and this collection agency and all signs point to this being a debt collection scam so I have no intention of contacting them as I feel they can not be trusted.
06/27/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32807	Web
A company called Capio Partners is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$370.00} but I have never done business with them and I have never received any letters or notices from them. The account number on my credit is : " XXXX ''. I only found out there was an account on my credit report when I checked my credit recently and it was pointed out that I had a collection. I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
09/11/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77033	Web
, I received a alert on my XXXX and XXXX credit file. They are seeking a collection payment in the amount of {$1500.00} and {$770.00} from XXXX XXXX XXXX .I have not received any prior correspondence either via phone call or via mail from this agency concerning any type of debt to even validate or determine if it is indeed mine. I am unaware of any debt and absolutely have no contact with this company. This debt is not VALID. From This was placed on my credit report with no formal letter from XXXX XXXX.I have been a victim of identity theft. This is against the law to list on my credit report without a formal letter. I have sent them a certified Validation of debt letter on XX/XX/2021 and have not gotten a respond.
06/21/2021	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	LA 705XX	Web
YOU VIOLATED THE UNITED STATES CODE LAW!!! violation of 15 usc 1692b ( 2 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; violation of 15 usc 1692b ( 5 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 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
05/18/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 344XX	Web
AssetCare , LLC is attempting to collect a debt that does not belong to me. They sent me the attached notice of debt on XX/XX/2021. I've attempted to resolve this by contacting the company asking for validation of this alleged debt. I sent out correspondence via USPS mail on XX/XX/2021. I have yet to receive any form of sufficient validation of this debt, or any correspondence at all from AssetCare , LLC. As far as I know, this has not been reported to any of the credit bureaus but I'd like them to cease all collection efforts and assure me that this will not be reported to the credit bureaus as this alleged debt does not belong to me. I am requesting legal action to terminate this account immediately. Thank you.
06/12/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 287XX	Web
On XX/XX/XXXX I had XXXX XXXX at XXXX XXXX XXXX. On XX/XX/XXXX I logged into the hospitals medical billing website that was provided on the bill and paid my bill in full for {$590.00}. I have the email receipt showing that I paid it. A few months later I was contacted by a debt collector stating that I owed XXXX XXXX XXXX {$530.00}. Initially I sent them the credit card statement that showed I paid XXXX {$590.00}. They kept calling and I sent them the email receipt from XXXX XXXX showing that I paid the amount directly to them. It is still in collections. No proof of payment that I sent in worked to get the debt removed. It should have never been sent to collections and I dont know what to do to get it cleared
01/31/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77545	Web
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.I am a victim of identity theft and noticed a collection from CAPIO . I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against CAPIO in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
07/13/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TN 37211	Web
I paid off a medical debt from XXXX Hospital on XXXX XXXX, 2016 through a collector, XXXX XXXX XXXX XXXX XXXX XXXX. The settlement terms were that the " hospital and the patient release each other from all claims related to the charges for the above referenced account. '' This was for settlement in full. On XXXX XXXX, 2016, I was contacted by mail by Capio Partners that I still had a balance due on this same account with XXXX Hospital. Both Capio and XXXX said it was a mistake and my balance is {$0.00}. If I was an older lady, perhaps with XXXX, and the threat that my credit report may be effected, I might have paid this! It very shady and deceptive collection practices on both Capio and XXXX Medical Center.
01/19/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 196XX	Web
I have received a letter in the mail on XX/XX/2023 and the document says it was sent XX/XX/2023. The letter claims I owe the amount of XXXX of medical debt from XXXX years ago. The company is attempting to collect the debt for XXXX XXXX XXXX XXXX in XXXX XXXX. The debt collector is Capio Partners LLC I believe I do not owe this debt as I always pay my bills on time and correctly. This notice does not say I can dispute the debt or anything about how to discuss correcting other than paying online or over the phone. I tried calling them on the number listed and it is just a robot answering service. The call dropped halfway through and then again when I called again. It was an automated answering service.
12/30/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93311	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 whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
06/01/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 45503	Web	Servicemember
I had a to go to the ER Early one morning. My VA Doctor told me to go to XXXX XXXX for my issue. because he could not see me, he sent me with a referral from the VA to go. Everything was fine with this issue for about 6 months, and then i got a hit on my credit report from a capio partners for said medical expenses. I have VA and XXXX XXXX XXXX XXXX XXXX. I am a XXXX XXXX XXXX Veteran i get full coverage. I tried to explain this to this company also the VA has called them and sent them letters saying They will pay it. The company is still insisting that i have to pay for these expenses. I have 2 different collection on my credit from this now. This company is horrible to talk to, and will not understand.
04/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07093	Web
I just happen to check my credit report and I noticed CAPIO Partners LLC, I said, what the XXXX is this? I opened it and it says it is because I owe {$1000.00} to XXXX Hospital for XX/XX/2020. I didnt live in Florida, I live in New Jersey and I did not visit Florida and there is a pandemic going on. This has impacted my credit score and I dont even understand what this is. I want an investigation. Proof of hospital bills and signature that this was me. I have utility bills receipts to prove this isnt me and I havent visited or been in Florida. Please help me remove this. Now, I have to do all the troubleshooting, while getting hurt financially by the impact of some random fraudulent person or company.
05/23/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77075	Web
The aforementioned credit collection agency representing whoever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX , XXXX and XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If ASSETCARE does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pa y ) they nee d to retract this from my credit file immediately.
04/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 80525	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX co XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Capi Partners, XXXX ), has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
12/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 30223	Web	Servicemember
I have disputed this debt twice on my credit report, to my knowledge. This collection company states that this debt is from a hospital in Florida- XXXX XXXX XXXX , located in XXXX , Florida . I do not recall ever going to XXXX XXXX in XXXX and I did not live in Florida in XXXX of XXXX, which is reported on my credit report. Capio Partners has listed this debt as opened in XXXX of XXXX for Credit Limit/Original Amount : {$1700.00}. Credit bureaus have certified this information as true but I have never received any documentation that this is my debt. I have received no phone call, no letters- no documentation at all that this debt belongs to me. This violated the Fair Debt Collection Practices Act.
01/21/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 891XX	Web
On XX/XX/XXXX, I sent a certified letter to Capio Partners asking them for debt validation of the an account, as I never received any bills prior to debt of {$540.00} hitting my credit report. I received a letter back on XX/XX/XXXX stating they had attached verification of the debt they obtained from the medical service provider. The documentation included 4 full pages, detailing all of the treatment/procedures done as well as the cost associated with the procedures and treatments given at the hospital. ( XXXX Hospital and Medical Center ) They have violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form authorizing Capio Partners to have access to my patient information.
04/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AR 72404	Web
Hello, I have 2 companies, Assetcare & Capio Partners, reporting the same debt on my credit report. The debt theyre both referring to was initially stated as being started in XXXX ( per the Assetcare INITIAL report ). I disputed the debt from Assetcare about 2 months ago and the debt remained, but the date then changed to reflect that the debt was acquired in XX/XX/XXXX. I tried to then dispute again due to the inaccurate information change, but the debt came back verified. Today, XX/XX/XXXX I got a notification that Capio Partners is reporting the same debt from the medical company. So that leaves both debtors reporting the same debt. I feel like this has to be a scam. Please look into this.
04/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AR 72404	Web
Hello, I have 2 companies, Assetcare & Capio Partners, reporting the same debt on my credit report. The debt theyre both referring to was initially stated as being started in 2020 ( per the Assetcare INITIAL report ). I disputed the debt from Assetcare about 2 months ago and the debt remained, but the date then changed to reflect that the debt was acquired in XX/XX/XXXX. I tried to then dispute again due to the inaccurate information change, but the debt came back verified. Today, XX/XX/XXXX I got a notification that Capio Partners is reporting the same debt from the medical company. So that leaves both debtors reporting the same debt. I feel like this has to be a scam. Please look into this.
11/03/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 43615	Web
Capio partners reported a debt on my credit report in the amount of XXXX XXXX XXXX XXXX XXXX. For one, I have never received a notice from Capio Partners in the mail that I had the right to dispute the debt or any validation from them regarding this debt. This was reported on my credit report without notifying me or sending me anything in the mail. If I would have received anything, I would have been able to contact them and let them know that I had I insurance to cover this bill and XXXX XXXX had a billing issue. They violated the Fair Debt Collection Practices Act by not notifying me that I had the right to dispute this alleged account nor did they validate this account as required by law.
03/09/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 43606	Web
Capio Partners in Texas is attempting to collecting a debt. I am not the person that received the services. I asked to validate the debt and the representative refused. This morning ( XX/XX/23 ) I was alerted by XXXX that this debt posted to my personal credit file. This is the second time that Capio Partners has used this tactic by falsely contacting a credit reporting bureau to somehow strongarm me into paying them. It makes me wonder what other underhanded ways this company has tried to collect debts. I have disputed this with XXXX again, who removed it from my file the last time. Also, I have filed a complaint with the AG of TX and more than likely will file with the OH AG and the FTC.
02/28/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33150	Web
Capio Partners LLC has submitted a debt to all major credit bureaus in a amount {$850.00}. The same debt amount & account provided by XXXX XXXX XXXX showed on my credit already. I do not owe this debt or have business with these companies. I have made numerous attempts to have this falsified information removed. XXXX XXXX XXXX has not provided the date of service, who provided & what service was done, doctors name under the FCRA. Without this information being provided, its a 609 fair credit report act violation. Both accounts needs to be removed from my credit report immediately. Also, this falls under double jeopardy law. I have provided an image with debt being claimed by both companies.
11/09/2017	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	FL 32837	Web
My debt comes from XXXX XXXX XXXX, whe treatment was made, afeter billing we maded an agreement for payment with automaticalyy withdrawn after few payments, the next call was from a collection agency XXXX XXXX XXXX XXXX, i had never was informed my account was passed tothis company since i never refused paying, finally we went into a new agreement after huricane XXXX, i was going tostar paying on XXXX 2018 {$140.00}, oo, after that i received a letter from a new collection agency Capio which hads very rude personal, and very bad tactics of collecting and manners not to good since i never made any negociations or signed any type of documents for this companies to had the rights on my account
06/27/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 31061	Web
CAPIO PARTNERS is reporting acct # XXXX on my XXXX, XXXX, and XXXX credit reports. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to original creditor listed called XXXX XXXX XXXX, XXXX, to release my private, confidential medical file to a third, UNKNOWN party. Any reporting of this debt to the credit bureaus without my signed permission to share may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I request immediate DELETION of the erroneous collection account from my XXXX, XXXX, and XXXX credi reports.
09/13/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 326XX	Web
I had XXXX XXXX in XXXX of 2022. XXXX XXXX XXXX XXXX XXXX insurance plan clearly states I have a {$100.00} copay. The morning of my XXXX when I checked in, I paid the {$100.00} copay. I have the receipt. It is also on my bank statement. The medical provider referred me to collections. My debt was changed to 3 different debt collection agencies. Each time I fought it and provided proof of payment rendered. I now feel harassed and am tired of explaining it to new people at new debt collectors. They called me at work, which was embarrassing. I even called XXXX XXXX to see what I should do. The agent on the phone said it clearly shows I paid the {$100.00} copay. Im not sure what to do next.
06/23/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 335XX	Web	Servicemember
THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$1500.00} WITH CREDIT AGENCIES AND ALSO SEND ME LETTERS I REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF I AM NOT OBLIGATED TO PA FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT ACCOUNT XXXX
11/08/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NV 89102	Web	Servicemember
I disputed this a few months back wrote directly to XXXX XXXX and requested verifacation of such said services as I know I walked out of the emergency room never seen doctor XXXX XXXX has assigned this so called sevice numerous time to dept collectors XXXX has also harassed cals repeatdly I have ask them also to verify debt documentation or anything baring my signature showing I read understood or anything that requires medical services signature I have never seen or recieved a medical privacy act copy or even signed one stating I received services this is the first process vital signs etc to wait to be admitted I have informed XXXX of billing tech and errors how the handled it unknown
10/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38116	Web
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 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 and XXXX Data breaches. I decided to look at my credit reports 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 3 Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
09/27/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 179XX	Web
My credit score dropped 62 points due to CAPIO PARTNERS LLC. I have never heard of this company and do not understand what debt they may ( if any ) be trying to collect. I have called the number listed online ( XXXX ) and can not get through to a live person, it transfers to voicemail on both HR and the Operator option. Never received a call back. I was transferred through to an operator last Friday, whom was absolutely rude and disregarded any concern for the situation, she put me on hold for several minutes until I finally hung up. I was denied an apartment in Florida due to the credit drop and need to resolve this ASAP! Very unprofessional! 62 point drop over what!? Please explain!
05/05/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 79912	Web	Older American
As in a previous COMPLAINT SUBMITTED ON XX/XX/2022 is sending me a bill " owed '', again, to XXXX XXXX ( from XXXX XXXX in XXXX XXXX, TX. ). Once more, I have no knowledge of such debt. Whatever I did owed them, I always paid in full. I have not received any letters or invoices from XXXX XXXX. Again, CAPIO Partners and XXXX XXXX do not provide information about the original invoice, or the services provided. This harassment causes me anxiety and stress. I always pay my bills on time and try my best to keep a good credit score. I desperately need your help to investigate these two companies and the fraudulent bills they create. How many people pay them because of fear and stress?
03/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 347XX	Web
I spoke with Asset Care LLC in reference to an unknown account being placed on my credit as a new account in the amount of {$650.00} on XX/XX/XXXX. After receiving information on this account I was informed that it was a medical account from XXXX that was previously listed by another collections agency. I asked the company to update the date that they have submitted to the credit bureaus to show the correct deficiency date and was told that they would not do this as they are using the date in which they purchased the debt from another collections agency. This tactic will allow for the account to remain on my credit for six additional years which is in violation of the 7 year rule.
08/05/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43204	Web
CAPIO has reported two accounts both of which have been disputed and removed by all credit bureaus. XXXX XXXX XXXX just removed it off. Now this company has reported it and 1. Never received written notice that they had it or that it was going to be reported! My info was stolen years ago and that debt is not mine. Plus my info has once again be stolen as I was part of the XXXX breech. They should not be allowed to keep reporting the debt/account once it's been disputed and removed! Once I learned that this hit my credit I called the company and the man was very rude claiming that i owed it and I need to pay it and said they didn't have to send me anything before reporting it.
03/13/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78681	Web
On XX/XX/2021 Capio Partners receive a validation letter from myself via certified mail requesting validation or a contract baring my signature in regards to a collection request from Capio Partners. However, on XXXX XXXX I received in the mail a list of medical records that they did not have authorization to access. This is a directed violation to my HIPAA rights and regulations. On these records are documentations of medications received and/or procedures done. Again, I did not authorize Capio Partners to have ANY access to my medical records. Please be advised that I am aware of my HIPAA rights/regulations and I know for a fact that this is a direct violation of my rights.
04/13/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 21113	Web	Servicemember
I have constantly disputed this debt on my credit because I am a Veteran and have health insurance through the VA. There is no reason why I owe this company money, they should be sending and submitting this to the VA. The hospital took my VA information as well when I was seen because that is who they should have sent this debt to. The account was opened on XXXX XXXX. There are three charges to my credit of {$610.00}. There is another charge on my credit for {$1500.00}. And the other charge is for {$1700.00}. The hospital should know how to submit a claim to the VA. This is a huge issue. The original creditor is XXXX XXXX, the company that put this on my credit is XXXX XXXX.
06/23/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 335XX	Web	Servicemember
THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$910.00} WITH CREDIT AGENCIES AND ALSO SEND ME LETTERS I REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF I AM NOT OBLIGATED TO PA FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT
06/23/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 335XX	Web	Servicemember
THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$940.00} WITH CREDIT AGENCIES AND ALSO SEND ME LETTERS I REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF I AM NOT OBLIGATED TO PA FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT
06/15/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78214	Web
XX/XX/23 XXXX My credit is poor, I checked up what's holding me back. It was Capio Partners IIc. I was never notified about a bill, not a letter or phone call. I talked to a lady about it, and all she did was laugh, saying " lol '' unprofessional, also kinda rude too. I heard there was a lot of frauds and scams behind this company. Asking what this company does, refuses to say or verify what they do. They also wanted me to download a app called, XXXX I never heard of ( no reviews about it either ), and wanted me to connect to my bank information which it was sketchy. I saw the reviews from XXXX, and saying people have experience harassment and threats from this company.
04/10/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32277	Web
Capio Partners reported on XX/XX/XXXX a fraudulent debt on XXXX XXXX XXXX in the amount of {$900.00}. I have no idea whos debt it is after reading further it states XX/XX/ A Charge or debt was placed on my credit. Again I have no knowledge of the debt and would like to dispute the debt and have it removed immediately. According to the fair credit reporting act inXXXX we as citizens in the United States have a chance to verify and dispute any debt we fee ; we incurred. I take my credit seriously its is a XXXX XXXX XXXX and would like to continue in the right direction with no fraudulent distractions. My address is XXXX XXXX XXXX XXXX XXXX Florida apartment XXXX XXXX XXXX
07/12/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 79912	Web	Older American, Servicemember
I was referred outside of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, contact number XXXX. XXXX XXXX was to invoice XXXX with preauthorized code for outsourced fee base reimbursement. ( XXXX patient, myself, not responsible XXXX XXXX XXXX accepted assignment for care and refused to file to XXXX. Received invoice for {$2000.00} which I disputed. No response from XXXX XXXX. They have no placed this amount with XXXX XXXX collection agency, AssetCare, assigned ACCT # XXXX and their phone number is XXXX. I have called to dispute and asked to call XXXX XXXX directly to dispute. This is not a debt I am responsible for and XXXX XXXX and their collection agency refuse to assist.
12/27/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 10040	Web
I reached out to asset care LLC in regards to a medical debt they are reporting on my credit report. I don't recall ever having outstanding debt for a medical bill and never received any notices from any hospital or third-party collector. When I reviewed my credit report last month I was surprised to see this account reporting. I acted promptly and mailed out a debt validation letter on XX/XX/2021 as I am not aware of this debt at all. It has been over 45 days since the letter was sent out and I have not received a response. The letter was sent out certified and I saw that it was received. That said this account continues to hurt my score when it should not be there.
07/10/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 43615	Web
Capio partners recently reported two accounts to my credit report from XXXX. Both accounts is in the amount of XXXX and they both have the same date of X7. First of all, I was under the impression that the debt was written off since I applied for financial assistance and was approved. Secondly, this debt collection agency never contacted me via phone or US mail in attempt verify this account or collect the alleged amount owed. By law this agency was supposed to contact me regarding the account, given a right to dispute and validate the accounts before reporting anything to the credit bureau per the Fair debt collection practices act, neither of which they have done.
02/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48089	Web
In XX/XX/XXXX, I received an alert from the credit bureaus that AssetCarellc flagged my account as collections. I have continually requested for this company to verify the debt to which they never have via mail in 2020. They would remove it then months later it would reappear. I'm disputing due to the fact that the hospital acknowledged that the charges were incorrect and processed my insurance XXXX XXXX XXXX. However a collection agency is trying to collect on an already paid account. I then dispute it with XXXX requesting a detailed outline of billing to which they neglected to provide. They just updated the account within 36 hours with no proof or verification.
06/05/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 77642	Web
I am writing because you have already had this item deleted and they turn around and sold it to a new company same bill you had this deleted in XXXX XXXX my complaint number was XXXX company was XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX account number XXXX amount XXXX they turn it over to a diffrent company diffrent account number the company name is capio partners for XXXX XXXX XXXX XXXX XXXX with wrong address for me change my name from XXXX XXXX XXXX to my real name they are checking credit report are the lettler from your company and saw the right spelling of my name the amount was the same XXXX account number was diffrent the change account number is XXXX
05/03/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AL 35160	Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
06/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32208	Web	Servicemember
I sent Capio Partners , LLC a U.S. certified debt validation letter approximately on XX/XX/2021 ) requesting that it also provides my legal authorization and initiation for it to gain access to my personal information. Capio responded with a letter ( see attached XXXX dated XX/XX/2021. The letter does not include what i requested for legal authorization debt validation, permissible purpose, nor how it accessed my personal information to report to major credit reporting bureaus ( for example, XXXX and XXXX ). The letter from Capio states that the account is closed and returned to the client. I do not know who the client is. The letter also lists an account number.
12/31/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32825	Web
The following accounts are a result of identity theft and the person that committed the theft is now deceased which is how I found out about the theft. A cousin with the same first and last name that I was trying to help with XXXX XXXX issues stole and used my social security number and made several visits assuming my identity. I have filed a complaint and had my report pulled as soon as this was disclosed to me however according to the police department I have no further recourse since the thief is deceased. I am asking for the above mentioned to be considered for the following accounts. CAPIO PARTNERS LLC XXXX {$930.00}, CAPIO PARTNERS LLC XXXX {$77.00}.
04/21/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 75126	Web
Capio Partners LLC - trying to collect a debt but failing to provide detail of debts. Sent a certified letter to Capio Partners/it was re c 'd on X/XX/2017 XXXX 'd a letter ba ck from Capio stated has not completed the investigation and does not have any back up but will continue to collect debt. This is unacceptable and they should have a time line of when the back up will be provided. Please see the attached letter that I sent/rec 'd back and certified letter receipt they rec 'd requesting the info. Requesting back up so I can verify debt. if they can not provide remove from my credit report. I will not make a pymt or pay on a debt with no back up.
03/12/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33647	Web	Servicemember
I Received Notification That A Collection In The Amount Of {$50.00}, Was Added To My XXXX Credit File On XX/XX/XXXX By XXXX XXXX ... Reported Date XX/XX/XXXX By XXXX XXXX XXXX/Capio Partners LLC ... This Same Company Had Added This Same Collection {$50.00}, Using Just Capio Partners LLC As The Company In XX/XX/XXXX ... .This Was Disputed Online Directly Thru XXXX, At That Time And It Was Removed ... I Have And Am Working Hard To Maintain My Credit Worthiness And Companies Like XXXX XXXX XXXX/Capio Partners LLC is Placing Collections On Peoples Credit Profile Without Any Notification Is Just Plain Wrong ... Included Is Documents To Support My Statments ....
06/13/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33613	Web
Last month, we filed a complaint with your office because Capio Partners reported three medical bills on my XXXX credit report. Prior to reporting the accounts, they did not supply me with a notice of my right to dispute. Based upon that, they apologized and agreed to remove the accounts from my XXXX credit report. To their credit, they lived up to their word, and the accounts have been deleted from my XXXX credit report. As of today, Capio Partners are now reporting these same accounts to my XXXX XXXX credit report. Once again, I have not received a notice of my right to dispute, and I am demanding that these accounts be deleted from my XXXX XXXX report.
11/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60559	Web
On XX/XX/2022, XXXX XXXX XXXX added a derogatory mark on my credit report ( XXXX, XXXX and XXXX ) per XXXX. Upon further research, the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
04/17/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77494	Web
I spoke with this company back in XXXX of this year and informed the that this medical debt is not mines. CAPIO PARTNERS LLC. Wilfully added this item on my consumer report with out my knowledge. Not only did the company put the item on my consumer report this is a hippa violation no medical debts can be reported on any one consumer report. They also stole my identity because i do not know who this company is and i have explained to them that i do not know them and they still placed someone else medical problems on my consumer report. They have violated so many federal violations including hippa, the privacy act of XXXX, and many more federal violations.
12/20/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 175XX	Web
I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B ( 15 U.S.C. Code Section 1681c-2 ), and 611 ( 15 U.S.C. 1681I ) of the FCRA : once identity theft has been alleged until further due diligence has been performed or a reasonable conclusion has been determined.
08/09/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75126	Web
I reached out to Caprio XXXX in reference to this medical debt that another collection company tried to report on my credit. I expressed to them that this was not my debt and if it was they have violated HIPPA because they never sent me a bill with my signature on it. They have removed the {$150.00} charge from my XXXX on XXXX but still have the other charge of {$830.00} on my XXXX and XXXX. The {$150.00} charge is also on my XXXX. I asked them to remove it or send me proof that it belongs to me and that I gave written permission fir them to contact me. They have violated my rights as a consumer and therefore Im asking all collections be removed.
10/16/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75104	Web
I sent a letter to Capio Partners on XX/XX/XXXX requesting debt validation for medical bill for {$320.00} They sent me a letter stating they needed more time and sent documents on XX/XX/XXXX of a bill that was already paid by XXXX XXXX XX/XX/XXXX. I reached out verbally to XXXX XXXX collection department and was advised the debt is still owed. I emailed documents from XXXX XXXX of the OVERPAYMENT made {$430.00} to the hospital to XXXX XXXX at XXXX XXXX XX/XX/XXXX and she states this balance is still owed. XXXX XXXX provided me with information that the debt was paid. I and wanting to file a complaint regarding collection of debt that was paid in XXXX.
11/24/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 34652	Web
I received a Scam call claiming to be a debt collector with my full name, birth date, and address on hand. They demanded my social security number, debit card number, and front to back copies of my insurance cards and I.D . I explained that I'm on Social Security and I have XXXX and XXXX in full so I owe no such debt. The representative then became argumentative after I refused and told me to " Go XXXX myself '' and " You'll regret this ''. She then proceeded to immediately terminate the call. This situation occurred on Monday, XX/XX/2020 at XXXX XXXX. The number requesting this information called themselves XXXX XXXX and their phone number is XXXX.
02/20/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33021	Web
I have received multiple calls from capio partners, most recently today XX/XX/2020 about a medical debt they claim I owe. They do not have any information on who the company is that they are trying to collect on behalf of, when I asked if they could get me information on the debt they told me to call my insurance company and figure it out and hung up on me. This happened more that 7 times. Every time I would ask if they could get me the information because they are the ones who called me, they said " we already told you to call your insurance company XXXX from 3 years ago ) and that there was nothing else they could do '' and they would hang up on me.
08/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	MO 64801	Web
On one of my many visits to the hospital for a XXXX the staff wrote in that i was injured on the job causing my insurance to back out and not pay. I had to fill out all kinds of reports deal with harassment and unprofessional behavior for months while doing thier jobs because no one at this hospital seems to know how to do thiers and furthermore would rather check a box indicating a work injury making thier job easier and destroying my credit. I talked to my insurance got the file number after several days of cat and mouse since i work very hard finally reached XXXX XXXX and gave them the information so they would stop harassing me for thier mistake.
12/05/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 18104	Web
I wasnt aware that I owed any money to the XXXX when I was in XXXX as I didnt stay at my parents house and thats where all the mail was sent too. I have a insurance card that I used so I figured it would be covered. However while looking though my credit report I seen that my debt has been handed to collections. I never knew about the debt. My colleagues said that usually youll receive mail contacting you about debt or even a email or something from the original company but I wasnt in the position to see any of this. And this honestly caught me by surprise as I had no opportunity to even pay back the medical institution as I was unaware of the debt.
03/13/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 45231	Web
Greetings, Initially this was a hospital debt my wife and I paid off. We can't find this in our records as of yet, so the next concern became ... When did this company XXXX notify us of this debt? On what date did they attempt to collect the debt? What was our response, because it would have been paid? We can't pay off a debt if we received no notification or there was no attempt to contact us or who we would need to contact. I am requesting documentation of these efforts and information. This should include dates, documents, address and phone numbers utilized for collection. Notes on account of any contact with me and the result of that contact.
11/05/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33147	Web
i received a copy of my credit report and found collection debts that did not belong to me and was a result of identity theft. I disputed the accounts and reached out to the companies involved and to my dismay these companies did 3 things. They removed the debt from my account and sold it to another collection company who in turn placed it back on my credit file. They updated the information without doing an investigation according to the fcra laws set in place to protect me as a consumer. They also sent me copies of bills that still didnt belong to me but nothing of an original contract bearing my signature or copies of my personal information.
11/05/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33147	Web
i received a copy of my credit report and found collection debts that did not belong to me and was a result of identity theft. I disputed the accounts and reached out to the companies involved and to my dismay these companies did 3 things. They removed the debt from my account and sold it to another collection company who in turn placed it back on my credit file. They updated the information without doing an investigation according to the fcra laws set in place to protect me as a consumer. They also sent me copies of bills that still didnt belong to me but nothing of an original contract bearing my signatre or copies of my personal information.
11/10/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70094	Web
I am a victim of identity theft and I am being harassed by ASSETCARE LLC AND XXXX XXXX XXXX XXXX to pay debt on a collection account that does not belong to me. ASSETCARE LLC is reporting this fraudulent account and debt every month to XXXX, trying to collect fraudulent owed debt in the amount of XXXX dollars. From my understanding this account is being sold around and companies are keep trying to collect on it. XXXX XXXX was representing another Company in the matter of this account named XXXX XXXX XXXX, I have enclosed an attachment as proof. I also have enclosed a copy of my identity theft report I filed with The Federal Trade Commission.
08/11/2023	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	GA 30296	Web
Account Name ASSETCARE LLC Account number XXXX Account name XXXX XXXX XXXX Account number XXXX These accounts was pass to a third party collection agency an have violated my consumer rights In accordance to the fair credit act 15 U.S.C 1681 Section 602 A states I have the right to privacy 15 U.S.C 1681 Section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
05/23/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 32807	Web	Older American
AssetCare LLC is calling, texting and interfering with my phone, computer and television. I have contacted them and the original medical provider of services to clarify I dont owe this. At the time of services rendered I provided my insurances and they have paid all claims. AssetCare has purchased the debt third hand and is trying to collect from me. The most alarming part is the debt amount has changed several times. They are requesting a settlement of {$130.00}. I want the interference with my electronics to cease immediately. As a senior its very uncomfortable having this challenge. Thank you for reviewing this matter. XXXX XXXX
04/20/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 08648	Web
On XX/XX/XXXX XXXX XXXX XXXX XXXX in XXXX has submitted a second collection agency to report against my credit report to all three credit bureaus with capio partners llc agency for {$4000.00} this isn't the only time that a collection agency that has tried to report a collection for the same bill from XXXX XXXX XXXX. XXXX XXXX XXXX agency I had to dispute with on XX/XX/XXXX for the same bill. In which I disputed with all credit bureaus for it is identity theft for my brother XXXX XXXX has used my name in crime sprees with credit card fraud and hospital bills. XXXX XXXX XXXX XXXX has continued to harassment continuously since then
05/03/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30016	Web
Capio Partners , LLC has refused to validate the debt that they have stated that I owe. I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with Capio Partners , LLC The lack of validation of any debt owed to them is in violation of 15 USC 1692 Sec.809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, Capio Partners , LLC is practicing UNJUST ENRICHMENT. I NEVER RECEIVED ANY NOTICE OF THIS COLLECTION..
05/31/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
I have asked numerous ti mes for Capio to send me the proof that these XXXX items on my credit reports are mine. The credit bureaus deleted these and now I seem them back on with out the proof ever being sent to me. These charges listed are not mine and it is fraudulent for them to keep reporting without 100 % proof and accuracy, which has never been provided! I am in the process of buying a home and this has been resolved once by the deletion of these items, only for them to reinsert them, it is not fair for them to be able to keep doing that. I have NEVER been provided with the original paperwork with information showing this
08/28/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 328XX	Web
The company in question ( Capio Partners ) sent a letter requesting payment for a debt that they had purchased in the amount of {$340.00}. I disputed the debt with the original claimant with no resolution as of yet and thus disputed it with Capio Partners. I requested documentation of the debt and they provided a list of the debts and bills dated XXXX/XXXX/XXXX but no further documentation as to payments made, credits or insurance reimbursements. This is further obfuscated by the bills showing charges of hundreds of dollars and in some cases thousands of dollars with no delineation of how the amount I allegedly owed got deduced.
02/15/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30044	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
04/09/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 296XX	Web
I had a 2 previous debts with XXXX XXXX that I had on my report for 7 years before it removed itself. Recently I got a notification from XXXX that a company called asset care has purchased the debt and its now on my credit again. XXXX XXXX was the original collection agency for a debt that I was never even aware of until it was placed on my credit. When I reached out to XXXX XXXX I was advised that not debt showed up and I would have to deal with XXXX XXXX. The debt is over 7 years old but it keeps reappearing on my credit. Ive disputed multiple times because of the age but they continue to sell it off and add it back.
04/09/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 296XX	Web
I had a 2 previous debts with XXXX XXXX that I had on my report for 7 years before it removed itself. Recently I got a notification from XXXX that a company called asset care has purchased the debt and its now on my credit again. XXXX XXXX was the original collection agency for a debt that I was never even aware of until it was placed on my credit. When I reached out to XXXX XXXX I was advised that not debt showed up and I would have to deal with XXXX XXXX. The debt is over 7 years old but it keeps reappearing on my credit. Ive disputed multiple times because of the age but they continue to sell it off and add it back.
11/15/2022	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted your employer	PA 159XX	Web
So I was work yesterday I was called by capio partners admitting on the phone that they called me at work, told me oh your work sounds really busy I told them not to call me at work, Im in state law enforcement facility. ( XXXX ) you can not be calling a law enforcement agency disrupting the phone lines that could be potentially emergency communication coming through, they have told my commanding officers of said debts, they have called and harassed my place of work asking for me, even when Im not on shift. They have leaked personal information have constantly blown up my phone sometimes past XXXX XXXX XXXX XXXX XXXX.
05/04/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 330XX	Web
OnXX/XX/2019, a representative called me and told me that I owe them {$1700.00} and I asked them series of questions like what's the debt? can you validate it's me? They said to me, they don't have to answer my questions regarding this debt. if I don't pay they'll sue me and it hit my credit. I never had a {$1700.00} debt with anyone. I'm furious that this is happening!! They called again XX/XX/XXXX and I asked the same questions and they hung up in my face. I'm not sure what they'll do next. I believe this not to be my debt. If they are claiming to be mine, it's the wrong amount because I have health insurance.
06/27/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77546	Web
XX/XX/XXXX CAPIO PARTNERS LLC was made aware that accounts that their company held under my social security numbers were a result of identity theft and did not belong to me. Capio verified this account as mine however they do not belong to me. Capio did not send me a letter notifying me that this account was owed and was being reported to the credit agencies. Capio is continuing to report inaccurate information onto my credit file. Not only that how can Capio verify anything medical with a credit agency being that U have never signed HIPPA form authorizing CAPIO PARTNERS to have access to my patient information.
02/16/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	MO 650XX	Web	Servicemember
Capio partners calls repeatedly every day. They claim there is an old medical debt that is two years old. I have asked them to verify the debt or stop calling but they have not verified it and continue to call. I've had enough and they called today asking for personal information. I ask what this is regarding and they tell me a personal matter and hang up. I've called back several times and get hung up on everytime. Eventually I was able to speak with a supervisor that did not hang up on me and I paid the bill to try and stop them from calling. I still don't believe I owe that debt as I do pay my medical bills
04/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 71112	Web
I get at least 8 calls a month from capio partners asking if they can speak with an unknown person to me. I have told the person on the phone that they have the wrong number and to please stop calling. They apologize and say they will remove my phone number but they will call again in a few days looking for a different name. These calls are always from a XXXX XXXX area code and are sometimes the phone number is different. The caller will not identify their name but they do say they are from capio partners collection agency. They called me twice today from XXXX and I'm sure they will call again in a few days
05/04/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32712	Web
CAPIO PARTNERS ADDED A COLLECTION ACCOUNT TO MY CREDIT REPORT ON XX/XX/2019 WITH THE ORIGINAL ACCOUNT BEING WITH " XXXX HOSPITAL ''. THIS DEBT IS NOT MINE, DOES NOT BELONG TO ME. CAPIO PARTNERS NEVER SENT ME ANY INFORMATION VIA MAIL THAT VALIDATED NOR NOTIFIED ME OF ANY DEBT. AFTER SENDING MULTIPLE LETTERS TO CAPIO PARTNERS ASKING FOR VALIDATION OF THE DEBT, I HAVE RECEIVED NO RESPONSE NOR ANY INFORMATION ABOUT THE DEBT OWED. THIS ACCOUNT IS NOT MINE AND CAN NOT BE VERIFIED. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY AS THERE IS NO ACCURATE INFORMATION THAT HAS BEEN VERIFIED WHICH LINKS THIS ACCOUNT TO ME.
01/09/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33321	Web
I got a collection account on my credit report from Capio Partners XXXX XXXX XXXX. I have never in my life received any XXXX or XXXX XXXX, this debt is not mine and is a total fraud! I saw online many complains from other people that have also been having the same issues with this company Capio Partners I need your help and support getting this collection account out of my credit report, it doesnt belongs to me, they are doing a total fraud. They have never sent me any proofs, letters or nothing. I called them and they even have my wrong Last Name on file! Thats even more proof this debt is not mine.
03/24/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 79928	Web
First of all, my son had so-called emergency treatment on XX/XX/XXXX. I tried to fix the problem with the XXXX XXXX XXXX XXXX and contacted my insurance and XXXX. Then, they assured that they can take 20 % off from the statement and I tried to schedule a payment plan with additional discount due to XXXX. Around XX/XX/2020 I noticed that I was referred to debt collector called CAPIO PAYMENTS XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX I emailed to them twice and send the documents around XX/XX/2020 and they still send the incorrect amount of {$1800.00} which I will not pay and can not even afford it.
02/20/2019	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	OH 45103	Web
I tried to resolve this debt with two companies, one called Capio, and another called XXXX XXXX XXXX XXXX XXXX ... I talked to a women named XXXX from XXXX-she said I owed a debt on a bill from XXXX XXXX XXXX from XX/XX/XXXX! Although this just hit my credit in XX/XX/XXXX? I had a great credit score, and within 3 days my score dropped drastically.. I have XXXX the name of these companies, which they have the same address listed, and when I called Capio and XXXX there has been multiple complaints filed against them for years! I need help resolving this issue and removing them off my credit report. Thanks!
09/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MN 55904	Web
I have been disputing XXXX XXXX Hospital charges for about 6 months. The account was closed many years ago because I was on Medicaid who covered the balance of my medical bills. Also, I moved away from the state of XXXX on XX/XX/2015 due to XXXX XXXX. I have lived in XXXX since then and have never been back to XXXX to incur any debt. Each time I dispute this issue with a credit bureau, the debt is sold and my credit is ruined again. I have to constantly fill out these forms and research my credit. I have to Pay for monitoring of my credit from XXXX. I am being harrassed and it's too much. Please help me.
04/05/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA XXXXX	Web
Capio partners LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX continues to put a bill from XXXX XXXX XXXX on my credit report after the credit bureaus remove it from my credit bureau I have contacted XXXX XXXX XXXX they have never billed my insurance company XXXX when I gave them the information I have disputed that information not accurate XXXX never sent a bill its not mine also another collection agent asset care llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX is appearing on my credit report I dont know who that company and they should also be removed from my credit report this is fraud
04/05/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA XXXXX	Web
Capio partners LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX continues to put a XXXX XXXX XXXX XXXX XXXX on my credit report after the credit bureaus remove it from my credit bureau I have contacted XXXX XXXX XXXX they have never billed my insurance company XXXX when I gave them the information I have disputed that information not accurate XXXX never sent a bill its not mine also another collection agent asset care llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX is appearing on my credit report I dont know who that company and they should also be removed from my credit report this is fraud
02/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30601	Web
I recently ordered a copy of my credit report and the bad score that I had thought was due to not having I established credit I found out was due to Numerous things on my credit report that was not me. There are six visits to the emergency room in XXXX on my report I have not been to the emergency room since I lived in XXXX in 2009 I had a baby thats the last visit Ive ever had to the emergency room. Also there is something on there from XXXX XXXX I have never had cable from XXXX the last time I had cable television was in XXXX XXXX Im in the midst of trying to make a police report and get this handled.
03/21/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 78212	Web
I had XXXX at XXXX Hospital XX/XX/XXXX and paid {$840.00} The total bill was {$10000.00} and my Insurance XXXX XXXX paid {$9000.00}. That leaves my with {$1000.00}. I paid already {$840.00} on XX/XX/XXXX. All i have left to pay is {$160.00}, confirmed by my Insurance. I tried multiple times to reach the Hospital to get this corrected but no luck. It was given to Capio Partners to Collect the debt of {$1000.00}. Capio Partners added 2 Major Derogatory 's to my account on XX/XX/2019 and XX/XX/2019. I explained them the issue multiple times but they only transfer me to a mailbox and none is calling back.
03/16/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33511	Web
I have requested that XXXX XXXX provide debt validation for the account with original debt from Florida XXXX XXXX for {$500.00} in my name. I informed XXXX XXXX that I never signed a HIPAA form to authorize XXXX XXXX to have access to the my private health information. I have not received the original contract showing my signature on any agreement pertaining to this account. I advised the company this is not my debt and that it should be immediately removed from my credit report. I have never received any documents that were requested from this company. It has been longer than 30 days with out response.
11/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 24017	Web	Servicemember
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. Accounts Opened Amount CAPIO PARTNERS XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$890.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$760.00} Hard Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
02/01/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MI 48141	Web
on XX/XX/2018 I got an email telling me that CAPIO PARTNERS LLC. had reported the I had a bill with them. I have never entered into any contract with this company. they have never called me or sent me anything in the mail about this account. they can not give me a copy of any contract that I have signed with them. they refuse to provide information necessary for me to even confirm the debt. yet they try to demand money from me without a signed binding contract between parties. I have also filed an complaint with the BBB complaint # XXXX CAPIO PARTNERS LLC. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX
08/22/2023	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CO 80033	Web
Received a call from an unknown number XXXX. XX/XX/23 @ XXXX. They proceeded to ask for my personal information like date of birth and last XXXX of my social to verify they were speaking to the " right '' XXXX. Then asked to verify my address. I asked what it was in regards to. They said it was to collect a debt but couldnt tell me who it was for or what it was in regards to. Told my credit would be affected if I didnt proceed. I said i wouldnt proceed if they didnt tell me who they were calling in regards to. They said they were " Capio Partners '' to collect a debt and thats all they would disclose.
07/07/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33913	Web
I have asked Capio Partners to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
08/21/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32825	Web	Servicemember
On XX/XX/XXXX I received notice of CAPIO PARTNERS in debt collections on my credit report. I was previously trying to dispute the errors with the previous collectors who did not send any verification of debt and would not provide me with documentation. I sent a verification of debt request on XX/XX/2020 to CAPIO PARTNERS and have not gotten a response, when reaching out the company was hostile and i believe that payments were made previously before being thrown in debt. It is inaccurate and dropped my score immensely. I never received a 180 notice to even have a chance to reconcile the account.
03/20/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 70570	Web
I have called the ER billing ( XXXX XXXX XXXX XXXX ) to get the number for the collection agency. The numbers i was given. XXXX and XXXX, are non working numbers. The ER billing tells me that they dont know that collection agency it must be from the Doctor. I have no clue who the doctor is or even the patient. There is NO information on my credit report other then its a collection. All my children have XXXX XXXX. With that being said. I worked in medical billing for 7 years. It is against the law to bill a medicaid patient a balance not paid by medicaid. That balance is to be written off!!!
01/06/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 78703	Web
My Medical information was sold to Assettcare without my permission from XXXX XXXX XXXX XXXX. I file a compliant with XXXX and I am waiting on a email from them. At this time, I will also inform you that a XXXX entity or its business associate violated my health information privacy rights and/or committed another violation of the Privacy, Security, or Breach Notification Rules. I do not recall giving permission to release my medical information to a third party. Finally, please provide a affidavit signed under XXXX XXXX XXXX that your organization has not violated any portion of FDCPA, XXXX.
05/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 31601	Web
Around the beginning of XXXX, I checked my credit report and the item being disputed had been removed from my XXXX credit report but has reappeared with a new creditor listed. The original creditor was XXXX XXXX XXXX XXXX XXXX in the amount of {$510.00}. The new creditor is ASSETCARELLC/CAPIOPART. I called the new creditor and was told that the original account had been opened with XXXX XXXX XXXX XXXX XXXX in XXXX. However, because it had been completed removed from my account, it should not have been reopened and processed with the date XX/XX/XXXX as if it was a relatively new account.
11/27/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30906	Web
I recently pulled my credit report and noticed they were some debt reported by XXXX/CAPIO that I did not owe or ever heard of or ever had contact with. I contacted the company certified mail asking to validate this debt because its not mine. The company responded with a generic XXXX XXXX print out saying as verification. That is nit verification, if XXXX/ CAPIO does not have any documents with my signature agreeing to pay, they need to remove this debt ( XXXX ACCOUNT # XXXX ) of my credit report immediately. They violated FCRA by not providing me proper validation in regards to this debt.
01/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 117XX	Web
I have never had an account with Capio XXXX. They sent XXXX statements identifying themself as a debt collector for XXXX XXXX ; XXXX for {$990.00} and XXXX for {$640.00}. I have never had an account with XXXX XXXX. On XX/XX/XXXX I authorized my father to contact Capio XXXX. He contacted them on XX/XX/XXXX and spoke with XXXX # XXXX. We were promised a return phone call with information by XXXX est on Monday XX/XX/XXXX. My father did not receive a return phone call and further attempts to contact XXXX were futile. Derogatory reports appeared on XX/XX/XXXX and XX/XX/XXXX from Capio XXXX.
06/18/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85032	Web
This company refuses to delete this collection from my credit report despite the fact that the original creditor ( XXXX XXXX ) made a mistake and failed to bill my insurance company during my hospital visit. I have gone back and forth with them multiple times and each time, they tell me it's being taken care of. I contact the HR department from my Employer at the time and they provided me with proof of coverage during the time I was in the hospital. Please see attached. I also confirmed with XXXX XXXX ( Original Creditor ) that they never attempted to bill insurance for any services.
10/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 109XX	Web
I received a letter sent on XX/XX/2020 from Capio Partners, it said " Your XXXX XXXX XXXX XXXX account has been sold to XXXX XXXX XXXX. Attention has been contracted to collect the outstanding balance. '' The balance due is {$1800.00}, but they offer to settle for XXXX if i pay by XX/XX/2020. I have XXXX and have XXXX which covers all my medical bills. I have tried to call XXXX XXXX XXXX and Capio Partners. XXXX XXXX tells me they are not the company I am looking for and Capio Partners goes to a voice mail. I noticed my credit score drop recently and I believe this is fraud.
05/05/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web
CAPIO PARTNERS LLC has reported to all three major credit bureaus ( XXXX, XXXX, XXXX ) on XX/XX/2018 prior to allowing me to validate this debt of {$880.00} which is a violation of the Fair Credit Reporting Act. Reporting of this debt to the credit bureaus prior to validation allows me to seek damages from the collection agency, which I intend to do.This company is practicting UNJUST ENRICHMENT, because reporting any invalidated information to major credit bureaus may constitute defamation of character. I have filed a complaint with XXXX, Georgia Department Of Attorney General, etc.
11/13/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 291XX	Web	Servicemember
ASSETCARE ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX Account # : XXXX XXXX Account Type : XXXX XXXX Account Type - XXXX XXXX XXXX XXXX XXXX Code : XXXX XXXX Account Status : XXXX XXXX XXXX XXXX : - - Date Opened : XX/XX/2023 XX/XX/2023 Balance : XXXX} XXXX No. of Months ( terms ) : - - High Credit : XXXX XXXX Credit Limit : - - Past Due : - - Payment Status : XXXX XXXX Last Reported : XX/XX/2023 XX/XX/2023 Comments : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. Date Last Active : XX/XX/2023 XX/XX/2023
02/22/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA XXXXX	Web
I have been contacted by Capio Partners via mail and telephone regarding medical debt that I have no knowledge of. On XX/XX/2023, I requested verification of the debt to include, but not limited to the original contract giving rise to the debt and other documents to support the debt as I have never received a bill regarding this alleged debt. Capio Partners has failed to provide me with the original contract or services rendered that resulted in this debt. Instead, they have provided me with a simple statement of the debt with no letterhead or records from the original creditor.
01/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33139	Web
I would have an a problem when Identity theft on my accounts and this is one of those collection agencies then its been removed before they keep putting it back again onto my credit right now when I check it on my credit this is actually on XX/XX/XXXX and as they can look they can see the nail remover before and they put it back they remove it they put it back every time I have to be fighter making calls dealing with this I told him that was not me I am a victim of identity there for so many years and I asked to be removed this account they remove And then I come back again show
04/10/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA XXXXX	Web
The company, Asset Care has illegally reported and demand debt collection for different amounts of debt they have not legally informed or verified with me. I've sent certified debt validation letters on XX/XX/2020 for the company to send specific requested documents within 30 days of the date on the letters. I also advised the company that failure to do so within 30 days or failure to mail all requested documents will legally force them to remove those debts from my credit report at once. The company has failed to respond and has not provided validation as of today XX/XX/2020.
07/27/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	VA 23832	Web
My XXXX and XXXX credit file indicates an open collection from this deceptive company " Capio Partners '', with whom I 've never talked to or heard from. I have no knowledge of this debt and it appears to be a fraudulent, deceptive, unfair, collection attempt. I tried to call them and the phone numbers XXXX only ring busy and disconnect. My credit file indicates accounts XXXX and XXXX. This company has never validated this debt per FDCPA and I have no business with them or any medical billing outstanding. They are attempting to extort funds from me by ruining my credit score.
08/13/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CO 80227	Web
I have just been contacted by a company Asset Care a debt collector. They state I owe debt from a procedure done in XXXX of XXXX This is the 1st time I have heard of this debt being owed. I attempted to gain more information but was told it was mailed and would contain the original medical provider information. I have no itemized statement from them only their letter claiming the amount owed. This was instantly placed on my credit report. Several XXXX complaints are filed with this company. I can only find information from paid off debts, no claim in insurance matches
06/28/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37421	Web	Servicemember
I frequently monitor my credit and discovered two collections charges from Capio Partners. One charge is for {$1500.00} and one for {$1500.00}. I called the collection agency to see what these charges were about and was told it was for XXXX XXXX provided in the state of XXXX. I have never received medical service in XXXX! It is obviously not me but no one will remove these charges. I have filed a complaint with my local Sheriffs office in XXXX XXXX but not sure that does any good. Please help as Ive worked hard at maintaining near perfect credit and this is hurting me.
11/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30339	Web	Older American
Casio Partners sent me an invoice months ago for a medical debt that was responded with a request for validation of the debt ( Provider name, detail of charges insurance billed ) etc ) but did not respond. I am a XXXX recipient and there is no record of services billed for the date of service noted in their invoice nor that of my supplementary insurance. This week a collection notice was filed with credit bureaus and alerted by my credit monitoring services. Clearly they have not complied with requirements to validate the debt they have purchased and trying to collect.
08/16/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	GA 30294	Web
I have disputed this account many times with XXXX the credit agencies and with Capio Partners. The credit agencies stated that Capio Partners verified that this account belong to me. I yet to see my signature on any documentation. I was a victim of identity theft. My purse was stolen and some credit cards was fraudulently use. I have notified both the credit agencies and Capio Partners and this account is still reporting on my file. They both are in violation of the FCRA in reporting items that do not belong to me. I need your assistance in getting this matter resolved.
10/06/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32811	Web
I received a credit notification of this company called CAPIO PARTNERS and XXXX XXXX as the original biller for the total amount of {$4600.00}. I know this total to be incorrect, so I contacted XXXX XXXX, which is now XXXX, and they confirmed the balance I have is {$2600.00} and it is not in collections because its for recent procedures that occurred in XXXX - XXXX and are still waiting on insurance processing. I contacted Capio and explained to them what XXXX told me and they refuse to send me proof of what they are billing. They are on all 3 credit reports of mine
03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31904	Web
I am writing this complaint to XXXX XXXX. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2.
11/05/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32824	Web
Carpio Partners, a collection agency, is reporting ( 2 ) medical debts on my credit reports. The agency has not mailed a notice of these alleged debts nor notified me as to the legal disclosures and rights under the FDCPA. I have no recollection of these medical debts plus I have medical insurance that would had paid for any medical services provided. ! - Acct # XXXX -- -- amount -- XXXX -- -XX/XX/2019. I requested an investigation with XXXX on XX/XX/2019. XXXX # XXXX -- -amount -- XXXX -- -XX/XX/2019. I requested an investigation with XXXX on XX/XX/2019.
09/20/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30248	Web
I 'm disputing the following debt in the amount of {$50.00}. Capio Partners is reporting a debt on my XXXX credit file with XXXX Hospital being the original owner. I was never notified of this debt. This debt was also once deleted from my credit file and now it 's back. FCRA states a debt can be deleted and added back with out a 5 day advance notice. Also there is now way I can owe the debt. XXXX XXXX 2016 I had Florida state XXXX Please see attached proof that I had Florida state XXXX. I also never visited XXXX in XX/XX/XXXX because I was in Georgia at the time.
12/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 334XX	Web
XXXXXXXX XXXX XXXX XXXXXXXX was initially paid by my insurance company. On XX/XX/ I negotiated the remaining payment with XXXX from XXXX for a final " PAYMENT IN FULL '' on my account for {$360.00}. I have no debt with XXXX XXXXXXXX XXXX XXXX yet they keep harassing me and sending me to collections for a fraudulent debt as I do not owe them anything. Capio Partners is now harassing me via phone and mail with a fraudulent bill of {$150.00} which I DO NOT OWE. I have attached the cashed check which clearly states " FOR FINAL PAYMENT ON ACCOUNT # XXXX XXXX.
10/17/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32746	Web
I received a letter in the mail claiming that I owed a debt to XXXX XXXX and that this company " AssetCare LLC '' now owns the debt with a balance of {$2600.00}. I call XXXX to try to resolve the issue on XXXX/XXXX/XXXX by phone asking for the following : A signed copy of my promissory note to open the account, Last bill and statement from XXXX XXXX, and the amount the debt was purchased for. A employee at AssetCare LLC told me that they will not give me this information, and they will report me to the credit bureau. I feel as if my identity has been stolen.
03/11/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web
XXXX XXXX. has refused to validate the debt that they have stated that I owe. I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was ... established without my knowledge and I have no contractual agreement with XXXX XXXX. The lack of validation of any debt owed to them is in violation of 15 USC 1692 Sec.809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, XXXX XXXX. is practicing UNJUST ENRICHMENT.
08/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34684	Web
On XX/XX/2022 CAPIO added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA CAPIO has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
07/22/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30519	Web
My insurance originally declined my medical claim. After filing a complaint with the Georgia Insurance Commissioner, my insurance decided to pay my medical claim. However, one debt was turned over to a collection account. The original creditor has agreed that my account is paid in full and that they have requested the collection account be reversed. However, the collection company is still showing I owe a balance even after I have contacted them numerous times and provided documentation. It has been over a month and they are still saying I owe a balance.
03/26/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 33613	Web
Someone called my mother claiming that we owed XXXX for a medical bill and said that they needed to collect {$310.00} over the phone now. My mother said that she never received a bill and the caller said that they already sent a bill and now its time to collect. We asked if they were willing to send a bill via mail but they said they would just try calling us back again. I called the number back and spoke with multiple people claiming to be from Capio Partners in XXXX, TX. They refused to speak with me without me telling them my social security number.
10/07/2022	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	FL 32771	Web
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
10/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30005	Web
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
02/25/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48209	Web
The filing against me was placed on my XXXX account. The collector is Assetcare LLC, the original creditor was XXXX XXXX. The Date shows XX/XX/XXXX. This is impossible. I did not live or have even visited Florida since early XXXX. I tried to dispute the charge though XXXX and they are doing nothing about it. This is either a very old debt that should not be on my report, or it is fraudulent activity ( Identity Theft ). Please review since the charge in place is impossible. I do have people that can attest that I have not been in Florida for years.
02/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30034	Web
This morning I was alerted by my credit monitoring service that XXXX XXXX was added to my XXXX report. I have no knowledge of this company, My address is registered with the local post office and the IRS. Theyve not mailed any notices, alleging any debt owed, they just simply abused the loopholes they have and added this account on my credit report because they know this is the time of year when people typically have more money and are more uneducated to pay. I am fully aware of my rights under the FCRA and XXXX XXXX is operating unethically
10/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19464	Web
This is a formal complaint that this company is reporting information on my credit report tht is the result of identity theft. XXXX XXXX previously placed a derogatory account on my credit report to a collection agency to which XXXX on identity, theft report because I never received treatment from reading hospital in XXXX. The inaccurate information was removed. As of XX/XX/2023, I noticed XXXX collection accounts for the same items tht was removed back on my report under a different collection agency to which this is a clear violation of FCRA.
01/22/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 23504	Web
In 2018 I was in a car accident and I rear ended and was found to not be at fault. Any medical bills from this accident should have been billed and paid by my car insurance provider XXXX XXXX. XXXX XXXX is reporting a collection amount of {$860.00} on my credit report. Not only that but they have committed fraud by reporting it like it is a new debt as an opened account several times a month to purposely affect my XXXX XXXX. They reported as a new opened account to transunion on XXXX and caused my XXXX XXXX to drop XXXX points. This is fraud.
10/26/2019	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	AZ 85251	Web
Was making payments monthly. Was never given another bill hence didn't pay and didn't think any other amount was outstanding. Never received another bill or invoice nor any document indicating further attempts to collect debt or pay bill otherwise would be sent to collection. Never obtained even 1 bill or invoice from this collection agency. Only now saw it showed up on my credit report XXXX XXXX XXXX/CAPIO XXXX XX/XX/19 XX/XX/19 / {$1100.00} XXXX {$1100.00} XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX/XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX
06/23/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 384XX	Web
During Last summer XXXX XXXX My daughter was taken to the emergency room at XXXX TN XXXX XXXX XXXX. My daughter resided in XXXX with her mom and her insurance provider is from Indiana. We provide insurance information and we have never received any claim in which the file were refused or unpaid by the insurance. They insist in making us paid for a claim that was never failed with the insurance. Now they hired Capio Partners LLC out of XXXX TX to attempt to collect the debt and threating with the possibility to be turn over for collection.
10/21/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77021	Web
XXXX XXXX XXXX ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; was disputed with another collection company by the name Capio Partners for {$360.00} ) on XX/XX/XXXX and deleted because it was identity theft, after sending them all the paper work I was told by the GM that my information was not on file, I have proof of the fax and they should have proof of the phone by law! this should be a illegal collection act! AND I WAS NOT CONTACTED BY THIS COMPANY I HAD NO IDEAL ABOUT THIS DEPT, THAT THEY PLACE FOR COLLECTION THAT WAS WRONG!!!
09/21/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30605	Web
I am attaching copy of the letter I received which shows all the information required. I tried to fixed this issue several times with XXXX XXXX but their representatives were not willing to take of customers and listening to their needs. I don't have medical insurance and I lost my job in XXXX. This new debt collection is suggesting that my credit can be damaged. Because the company XXXX XXXX never cared about resolving the issue and they just transfer debt to credit collection, because they are not interested in doing their job properly.
02/07/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33165	Web
To whom it concerns my problem exists with a collection agency which is reporting a collection against me. I have asked them to investigate it according to the fair credit reporting act and show me something. they have not done so in the last 6 months that I have been asking them. I have asked for proof of any kind, and they send me a bill with their name on it and says I have to pay. I am asking this organization to help mediate the issue with this company which ignores me and my requests and does nothing of what I ask as is my right.
08/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77339	Web
I received a call from phone # XXXX, they stated a name ( someone else ) and asked if I was that person. I told them " wrong number ''. Since I registered on the National Do not call list, I called back the XXXX which began with a prompt " This call is being recorded '' and obtained their mailing address. I informed the rep that my number is on the National Do not call list and would be reporting them. I looked up the information they provided and determined it's a debt collection Asset care LLC XXXX XXXX XXXX XXXX tx XXXX dept XXXX
06/16/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33647	Web
Capio partners is a third party company that is based out of Texas, but I live in Florida and do buisness in Florida so that violates code 15 usc 1692b ( 2 ). Second, Capio partners recieved bought my information without my consent so this is also identity theft. Which is also illegal. Last they also reported inaccurate things to my credit report. For example investigate : XXXX doesnt even have it reported at all, column Date opened, column last reported, and column date last active all are inaccurate with different information.
07/20/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	LA 70806	Web
Asset care appears on my credit but I have never been notified by mail or by phone that I owed any amount of money. I would like the report in writing and when and where they obtained this debt and what the process was since it states it was XXXX of this year that it was opened and I have no knowledge of this. I have never heard of this company nor have I ever heard from them. How can they report to the credit bureaus if I was never notified of the debt? I would like this flag on all three of the credit reporting agencies removed.
02/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77304	Web
Capio partners XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX on XXXX XXXX XXXX, Capio partners a debt collector intentionally and with intent to cause harm to my credit to force a settlement reported a debt with a service date of XX/XX/XXXX as being from XX/XX/XXXX and 90 days past due. This was done with the intent to force a settlement or compromise ( they offered to accept approx. 75 % of the amount in question for an immediate removal of the misreported information ) and with intent to harm my reputation and ability to
07/05/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75090	Web
Capio Partners , LLC has a collection on my credit report from XXXX XXXX XXXX of XXXX XXXX. The debt has long been paid in full ; however, XXXX XXXX still has the Collection on my credit report which is negatively impacting my credit and ability to purchase a home. I have contacted them and requested they remove the collection and was assured that they would ; however, they have failed to do so. My home lender is pulling another credit report in a few weeks so this collection - which has long been paid - needs to be removed ASAP.
07/04/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 180XX	Web
I originally settled accounts several years ago with XXXX XXXX XXXX XXXX XXXX Hospital. Recently they have sold accounts to XXXX XXXX, XXXX from XXXX, Texas. They are now trying to collect on old accounts that are settled and they continually try to use false dates and continually update the dates. I have tried several times through the credit reporting bureaus to dispute this especially because no one has provided me any strict proof of this debt and none of the debt was in XXXX XXXX XXXX name and I have no obligations to them.
09/28/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33054	Web
I've reviewed this debt the medical company is trying to claim. I requested signed proof of those services. They have yet to provide those documents of services rendered. I know they aren't mine due to the dates they claim service was done. They failed to provide me anything and went straight to report my account to credit bureaus. My account was fraudulently used. I have a company I hired to investigate. This transaction is damaging my score and need this removed. They failed to provide docs which is a federal fair credit act.
06/09/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33162	Web
I XXXX XXXX never enter into any consumer credit transaction with CAPIO for them to have obtain my personal information. Pursuant 15 usc 1692 ( a ) this infringement upon my consumer 's right to privacy. By CAPIO obtaining my personal information without my consent CAPIO have committed fraud and identity thief. Furnishing this allege debt to my consumer report CAPIO have damaged my reputation pursuant to 15 usc 1692 ( d ). Now I can't do business with anybody else due to the allege debt CAPIO reporting to my consumer reports.
10/17/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 63135	Web
Nearly XXXX years ago, while I was employed and insured by XXXX, I went to XXXX XXXX ER for food poisoning. I was never contacted about an unpaid bill. Only recently did I learn of an outstanding bill. This bill should have been the responsibility of my employer, as I had full medical coverage. I 'm no longer employed with XXXX, I was unaware of this debt, and it is now negatively effecting my credit. Had I been aware of the unpaid bill, it would have been paid years ago and my credit would not be suffering negative impacts.
12/16/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 32084	Web	Servicemember
Capio Partners is reporting to the credit bureaus that I have medical debts that were opened up on XXXX XXXX, 2015 which the date of service that I needed medical attention happened years ago. First, I do not have any knowledge of receiving notification of these debts and who are asking for payment. Second, they are reporting the debt to credit bureaus with a recent collection date making the FICO scores drop because the system think that this is a new collection instead of reporting the date as to the last date of service.
11/20/2023	Yes	Debt collection I do not know	Electronic communications Used obscene, profane, or other abusive language	TX 77396	Web
I received an unsolicited text message from XXXX which stated, " Capio Partners, a Debt Collector : We recently sent a letter about acct XXXX. Call XXXX or visit https : XXXX to optout txt STOP. '' I have no knowledge of this company and I do not have a contract of any kind to do business with them. I feel threatened by this action of some stranger contacting me regarding I debt that I don't owe and telling me to pay them. I did not give this company permission to contact me and They have no permissible purpose to do so.
08/27/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32792	Web	Servicemember
I have been trying to contact Capio partner for almost 1 month. I left messages on several different occasions regarding two XXXX bills I did not occur. I attempted to dispute the charges on my credit but for some reason they assume XXXX XXXX is XXXX XXXX. I havent been to the hospital for anything in years. Isnt this a violation of the hippa law to basically dump medical information on to someone elses public credit report. I did contact my family attorney and will definitely be continuing to investigate this situation!
05/11/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA 70119	Web
On XX/XX/XXXX, I received a notice from XXXX XXXX that " Capio Partners '' had disclosed an account from XXXX University XXXX XXXX for {$420.00} up for collection, opened onXX/XX/XXXX. I have never received a call or a letter from them saying that I owe this amount at any point in time, and disputed the error several times via XXXX using XXXX XXXX. I still have not received any mail or calls referring to this matter from them, and therefore can not be sure of its validity or that it is even my debt in the first place.
08/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 464XX	Web
I wrote a letter to a company Capio Partners Dept to let them know that I believe they were in error of a {$60.00} debt that they are claiming I owe them. I also demanded to see verifiable proof for the account # XXXX and to provide the description of the procedure used to determine the accuracy and completness of the information is hereby requested as well to be provided within 15 days of the completion of a reinvestigation and it was not done .I was not requesting Verification, but rather I am requesting Validation
07/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23223	Web
XXXX XXXX continues to bill me for services not rendered to me. A recent negative change in my credit report made my scores dropped and greatly impacted my ability to qualify for credit. If any XXXX XXXX were ever rendered, my health insurance would have covered and an EOB should have been issued based on the insurance contract agreement. That being said, Capio, the collection agency has trespassed and incorrectly reported my account. This account is NOT mine and it is showing up as an active collection account.
12/12/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 323XX	Web
I checked my credit and saw 3 medical bills from ASSETCARELLC/CAPIOPART for XXXX XXXX XXXX totaling $XXXX. I did not receive any notification for any debt for medical services as an indigent individual. I was XXXX with no physical address to receive any forwarded mail. I also let the hospital know I was an XXXX XXXX and did not have any insurance or money. This reporting is against my HIPAA rights a Is did not sign any medical releases before my information was compromised and accessed by ASSETCARELLC/CAPIOPART.
05/17/2023	Yes	Debt collection Medical debt	False statements or representation Indicated you were committing crime by not paying debt	OH 44511	Web	Servicemember
I have disputed these charges and asked multiple times for detailed billing from these companies. I have never been sent paperwork the detailed billing. They have called and called and threatened to have me arrested and also garnish my wages and also take me to court. They also have sold my debt numerous times to several companies and the cycle repeats over and over again. The debt collectors continually hit my credit report and hurt it on an average of every 6-12 months when they sell it off to another company.
08/02/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33418	Web
I have reached out to the company on several occasions advising them I was a victim of a crime and provided the company with the Attorney General Office- Bureau of Victim COmpensation for ref : Bureau of Victim COmpensation XXXX , XXXX XXXX XXXXXXXX , FL XXXX Victim : XXXX XXXX XXXX ( self ) BVC Analyst : XXXX XXXX Claim number : XXXX XXXX Crime Date : XX/XX/XXXX this company has yet to remove this report from my credit file. my most recent attempt in XX/XX/XXXX for them to remove the inaccuracy has been ignored
12/30/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AL 35209	Web
I have never received any notification regarding this alleged debt they say I owe. I check my credit and a collection account appears on my credit file. I have sent a validation notice, yet I have not since received any responses with their method of validation or any validation at all. Please explain how you're reporting this account as meeting FCRA guidelines? The letter sent is attached requesting validation and If you can not provide me with this information, then please delete this account from my report.
07/21/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 18062	Web
The Company is Capio Partners. They have been harassing me about a medical bill that has been paid by my hospitals FAP plan. ( Financial Assistance Program ). This account seems to be brought out by 2 debt collection agencies and is appearing on my credit report. The hospital shows it was paid, but the debt collector does not have any information other than the charges, does not show breakdown of charges. dates, etc. This is effecting my credit and I do not want it brought out again by another debt collector.
10/04/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33414	Web
Several debtors trying to collect debts for claimed medical related debt but I did not receive any information via mail confirming I could dispute the debt nor has my written request for additional information resulted in the requested documentation from the debtor to provided detailed proof debt owed. I have not made any form of payment or payment arrangement ( due to unknown charges ) in well over XXXX-4+ years however the debtor is also reflecting the account/charges were just recently opened 5 months ago?
12/19/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75248	Web
On XX/XX/2021, I received a notice of debt letter from AssetCare dated XX/XX/2021, stating that I have an unpaid medical balance with XXXX XXXX XXXX. Upon receipt, I immediately forwarded a letter of validation to the company 's XXXX, TX addresses that are listed the letter and with the TX Secretary of State. AssetCare , LLC has not only failed to validate the debt that they claim is owed. I have not provided XXXX XXXX XXXX or any medical or clinic facility a signed HIPAA release for my medical information.
09/08/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30013	Web
Asset Care LLC has placed several debts with XXXX and XXXX with my name and social however I do not know who this is and neither do I have a contract with them. I have asked them several times to provide me with a contract that I have signed and original documents and I have not received neither. There are listings for the following amounts : {$1400.00} and {$1400.00} and I would like those removed from my credit file as soon as possible if they can not provide me with the original documents signed by me.
08/25/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 63303	Web
This company ( Capio Partners LLC ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$150.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
11/09/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 710XX	Web
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information your company obtained to see if it's legit. I never authorized anyone to share my information especially when it's regarding my medical information so please send me validation and send by attaching them to your response. please note that I don't a verification but a validation containing the information listed in the letter
10/13/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44035	Web	Servicemember
I have contacted the collection agency about this debt. Ask for documentation with my signature of it proving I won this debt, which they have failed to do. I tried to pay-to-delete just to resolve the issue and they could not agree to terms even after I asked to verify I own the debt. The sent an detailed copy of the charges, but not documentation with my signature on it. Have disputed with the credit reporting agencies and they can not provide how it was verified. They are also showing a past due amount
06/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 79602	Web
On XXXX paid a medical bill to Capio partners and on XXXX XXXX received a bill for that debt fromXX/XX/XXXX. Called them that Monday and let them know it was paid in full. They had email receipt to XXXX It took me a while to get receipt from Capio partners. Got the receipt from Capio sent it over to the email provided to XX/XX/XXXX on Thursday XX/XX/2022. On XX/XX/XXXX I check my credit and it is listed as a collection again. I have the proof it is paid in full. Thank you for your attention in this matter
05/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 756XX	Web
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 : states that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : states a consumer reporting agency CAN NOT furnish an 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 and for purpose. To whom and all this may concern :
08/10/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 384XX	Web
Well I've been checking my credit score often. And it just keeps dropping. I've contacted my insurance to see why these bills keep being posted to my credit but they said they're was nothing they could tell me about it, that I would have to contact the companies. So I called them and they basically told me that I had to pay them even if u had insurance at the time because it's been over three months. But I never got a bill and no elone ever told me a time frame that I needed to get this fixed until now.
04/05/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32208	Web
ive received a bill back in XXXX XXXX XXXX, i immediately called and asked them who they were and why was i receiving this bill? Once they informed me of where it was I immediately knew it was not me. I live in Florida and never have been to a hospital in XXXX. They told me i needed to file a dispute with XXXX. i did so on XXXX XXXX. Today i called again and they said the only way they can remove it is if i made a police report for identifty theft or fraud. Once i obtain that i have to send it to them.
04/23/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 18102	Web
Hi, In XX/XX/2020 I was pregnant and I went to the hospital for a check-up they gave me an application for my insurance and I applied and approved the insurance they told me that the whole balance would go directly to the insurance and every bill that arrived home was already settled so when I enter my hospital panel I don't see any balance I have to pay and when I enter my credit report I see that there is a debit collection for {$1000.00} usd but I didn't know why I never appreciate it on my panel.
02/12/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 752XX	Web
I received a letter from this company dated XX/XX/2022. This company have violated my consumer rights pursuant 15 USC 1692c ( a ) and ( b ). This company did not have my prior consent to communicate with me regarding this alleged debt. This company did not give me the right to dispute nor provided me with enough information to verify this debt. A cease and desist and debt validation was sent to this company on XX/XX/2022. This letter was delivered to this company XX/XX/2022. Tracking number : XXXX.
03/24/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 337XX	Web
XX/XX/2017 medial bill paid by my insurance and thru my health savings account to XXXX Hospital XXXX balance yet collection agency states I owe XXXX dollars. XXXX XXXX will not remove after numerous phone calls and repeated online filing. I've never heard of collection agency nor did I ever receive any information from them. Agency name is Capio Partners XXXX, TX according to credit report. XXXX removed and verified XXXX balance. Keep getting info from XXXX XXXX to sign up for credit monitoring.
10/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70461	Web	Older American
My credit score has jumped up XXXX points putting my credit report XXXX XXXXXXXX they dropped it down to XXXX, this is fraudulent because XXXX never contacted me to confirm that the debt was mine. I have never heard of the company, never had a contract with the company and I need these derogatory statements off of my credit. this is using XXXX of law to discriminate against consumers. Also the name that the debt collectors is using is copywritten and they are violating copyright infringement law.
04/08/2022	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	FL 335XX	Web
I have attempted numerous times to explain to Capio that I had paid this balance, and my college told me I had to call and pay them. I paid the balance twice, and Capio also verbally told me on the phone that they would remove from credit reporting once paid. Now that my college has a payment tracking system online, I was finally able to obtain a receipt of the payment to the original creditor. With this now being received, I am hoping they will finally remove this account from my credit reports.
08/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33401	Web
I have tried to dispute this account multiple times. This is not my account. In accordance with the Fair Credit Reporting act ASSETCARE LLC has violated my rights. This account was opened XX/XX/2021 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I have never received a validation letter. Could you please investigate this account properly?
04/14/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 320XX	Web
I get calls almost every other day from Capio partners. When I am able to answer I state that I do not owe the debt and that I have already contacted insurance company to verify. I am repeatedly told that you are stating that you refuse to pay the debt and we will note your account as such and when I try to speak to defend myself I am hung up on. This happens every time and I consider this harassment and falsifying records because I am not refusing to pay debt I am stating it is not mine to pay.
09/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 349XX	Web
XX/XX/2019 {$67.00} Assest Care LLC XX/XX/2019 {$120.00} Assest Care LLC XX/XX/2019 {$170.00} Assest Care LLC XX/XX/2019 {$77.00} Capio Partners XX/XX/2019 {$470.00} Capio Partners XX/XX/2019 {$110.00} Capio Partners they these charges on my on my credit reportold debt tried to call Assesst Care LLC and Capio Partners they will not give me any information on these debtsThis debt fell off and they made multiple robo calls hanging up on me prior to entering it after multiple calls to me hanging up
09/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 349XX	Web
XX/XX/2019 {$67.00} Assest Care LLC XX/XX/2019 {$120.00} Assest Care LLC XX/XX/2019 {$170.00} Assest Care LLC XX/XX/2019 {$77.00} Capio Partners XX/XX/2019 {$470.00} Capio Partners XX/XX/2019 {$110.00} Capio Partners they these charges on my on my credit reportold debt tried to call Assesst Care LLC and Capio Partners they will not give me any information on these debtsThis debt fell off and they made multiple robo calls hanging up on me prior to entering it after multiple calls to me hanging up
08/14/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	VA 22192	Web
My identity was stolen by this company. They are attempting to collect a debt and I have no legal written or binding contract with this company. Consumer law code 15 USC 1681 ( Q ) and 15 USC 1681 ( A ) ( 2 ) If any person uses my information without permission that is identity theft. There must be permissible purpose. I did not give permission to report this or any account on my consumer credit report, therefore, this is identity theft as XXXX XXXX XXXX used my information and publicized it.
08/19/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33157	Web
I have no idea who this company is they just reported on my credit report that I owe them $XXXX. This may be an all debt from XX/XX/2014that they said but it’s affecting my credit like it’s a new debt. I don’t even know why I received this bill back then when my insurance should of covered it. All they are doing is messing up people’s hard work in fixing their credit. This should not have a new negative impact on my credit after all the time I spent to get rid of it. It’s not fair to consumers
06/01/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 95758	Web
That comes billing me for the third time Ive been billed by XXXX XXXX who continues to send my bills to a different collection company because they dont know how to build my insurance company and if you go on the portal for XXXX XXXXXXXX that shows I dont have a balance so I dont understand why they keep telling me. I think both XXXX and can get their act together and knock it off and stop trying to bill me for something that's either paid or they need to collect new insurance coverage.
03/30/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 31525	Web	Older American
I am contacting concerning a debt that was placed on my credit score, this debt is under {$500.00} and was placed on XXXX and XXXX, XXXX which caused trembling decline in my my scores. Under a new law starting XXXX XXXX XXXX, the consumer credit reporting Bureaus XXXX, XXXX, and XXXX will no longer add medical debt less than {$500.00} to a credit report. They have attached a {$190.00} debt to my accounts, can you help me get this removed from my credit report. XXXX XXXX, Email XXXX XXXX
07/26/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 78641	Web
I have a debt collection from copio partners from a medical facility I havent received anything at my home address XXXX XXXX XXXX XXXX XXXX, tx, XXXX in the mail just showed up on my credit score tried to dispute it as hippa violation as it was shared medical history but it had yet to be removed or even notified about it no phone call was given to me at XXXX about it either so I didnt even know about it or know I needed to dispute or that I could dispute cuz I didnt know it even existed
02/17/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AL 352XX	Web
I recently paid the debt debt collection dealing with XXXX XXXX XXXX to ASSET CARE located in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX They had not removed the letter but sent me a letter in the mail stating the debt was paid. Now that I received the letter it has been placed again under a company that is right accoss to their building CAPIO PARTNERS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I believe this company is trying to scam more money from me under another debt collector
06/06/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OH 43614	Web
UPON CHECKING MY CREDIT FILE, CAPIO PARTNERS HAVE REPORTED TO MY TRADELINES AN ACCOUNT THAT I ALLEDGELY OWE FOR XXXX. I HAVE NEVER RECEIVED ANY NOTIFICATION, ANY RIGHT TO DISPUTE OR ANY INFORMATION VALIDATING THIS DEBT. I NEVER WAS EVEN GIVEN THE OPPORTUNITY TO DISPUTE THIS DEBT AS REQUIRED PER LAW. CAPIO PARTNERS WAS SUPPOSED TO PROVIDE ME WITH AN OPPORTUNITY TO DISPUTE THIS DEBT AS WELL AS PROVIDE ME WITH VALIDATION OF THE DEBT AS REQUIRED PER THE FAIR DEBT COLLECTION PRACTICES ACT.
04/06/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33168	Web
Report Number : XXXX Date Generated : XXXX XXXX, 2020 Account Name ASSETCARELLC/CAPIOPARTNE Account Number XXXX {$440.00} Account Number XXXX {$250.00} These collection accounts just pop up in my credit report. I dispute these accounts many time with the company and refuse to take them off my credit report. I don't own these accounts and they do a big damage to my credit report. Each dispute XXXX told me, the collection agency verified the accounts while they don't belong to me
11/20/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 75040	Web
Please help me. I do n't know where else to turn. I received some type of correspondence from a collection company for some type of medical bill they say I owe. I had n't had any medical stuff done in XX/XX/XXXX of this year. This should be on my credit. I asked them to look into it because it was wrong then I noticed on my monitoring site they put it on there again and hit my points they just keep reporting this stuff like it 's new and I was never seen at the doctors last month
11/15/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32701	Web
I have a collection for a hospital bill from 2013. I have been trying to rectify the bill as I have recently found my original explanation of benefits that shows a different amount of what is owed. The date is also incorrect as they are trying to get an additional year of collection. Also another company is trying to collect on the same debt. It was removed from my credit previously for those same inaccuracies however the debt was resold and they are trying to falsely collect.
01/20/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 631XX	Web
I have recently Disputed this matter with XXXX, XXXX, and XXXX. Unfortunately They Have failed to reach back by mail with the Burden of Proof within the required 30 days. I have stated to them the information is incorrect on my credit report and is fraud, This falls under The FRCA Requirements, and I have shown a 601 goodwill letter after the first dispute. Please provide Burden of proof by mail that the information is accurate or remove this account due to Fair Privacy Act.
05/22/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 952XX	Web
I received a letter from Capio Partners indicating I had a 7 year old medical debt. This debt is not mine and I have no record of this debt whatsoever. The amount in question is {$1000.00}. I filed a formal dispute with Capio via certified mail and have yet to hear back. In the meantime, they added the debt to my credit report without providing any proof of the debt. This has negatively impacted my ability to access credit and will end up costing me thousands of dollars.
05/28/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	VA 240XX	Web
XXXX XXXX emergency group has sold my debt from a medical bill it is showing up from two different companies capio partners and XXXX it is appearing as two separate debts and has done XXXX points of damage to my credit report. This was a Covid-19 related expense and should have been paid however I am getting the run around and I know it was sent to my Medicaid I also didnt give permission to share my medical information and I feel that it is a violation of my hippa rights
08/30/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IL 60647	Web
I am not liable for this debt and I do not have a contract with CAPIO plus they did not provide me with the original application like I asked. Also, this account was already deleted but they added it back on my report. This is an illegal because they didn't give me a 5 day notice. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. Account Name : CAPIO ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX
11/10/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 337XX	Web
Reviewing today XX/XX/XXXX my XXXX XXXX account, I found a collection from Capio Partners claiming {$120.00} from original creditors of XXXX XXXX Hospital. Also, I received a letter from this company Capio Partners dated XX/XX/XXXX about the same claim for a service at the XXXX XXXX Hospital from XX/XX/XXXX. I have never been or received any treatment on this Hospital at all. Please help to eliminate this collection that is affecting my credit score! Thank you very much!
10/18/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AL 350XX	Web
On XXXX XXXX I received all of my credit reports and a account from XXXX XXXX is reporting negative information about a collection that is Not mine. I paid the original Creditor on the day of service. And my insurance company paid the difference.. i have no knowledge of owing XXXX Partners and has never received any information validating a debt with XXXX.. I disputed this information with all credit reporting agencies and its still reporting negatively on my credit files..
08/29/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 43110	Web
On XX/XX/XXXX I went to an ER and had imaging from XXXX XXXX XXXX ( XXXX ). I paid said bill through XXXX which is a company that worked with my insurance at the time on XX/XX/XXXX. I retained proof of payment receiptbdor {$38.00}. I then received on XX/XX/XXXX a collections letter from XXXX are ( XXXX ) and I do not owe this bill. I have contacted both companies by email with receipts and called numerous times for help and yet neither company will do anything to help.
05/05/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94610	Web
Assetcare LLC is reporting XXXX false accounts on my credit report. I 've never heard of Assetcare LLC nor have I ever done business with them, nor do I have any contracts with Assetcare LLC. Assetcare LLC has never sent any kind of correspondence to me in an attempt to collect this alleged debt, so since they have provided any legal documentation, nor have they reached out to me I believe this debt is in valid and needs to be removed from my credit report ASAP!
09/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 349XX	Web
XXXX Found 5 accounts on my credit report in the amounts of XXXX, XXXX and XXXX reported on XX/XX/2019 from Assetcare LLC. I called the company and asked them about the amounts and they would not give me information or why they were put on my credit report for XXXX. I filed a dispute with XXXX for the XXXX. The above amounts are old collections that fell off after 7 years and they put them on. I never received a call or a bill for these amounts and what they are for.
06/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 78380	Web
The new collection agency called Capio Partners reported a duplicate debt on XX/XX/2022. The debt amount is {$2200.00}, they have obtained this debt from XXXX XXXX XXXX XXXX. I have disputed this debt already and it has not been corrected. So I now have on my credit report 2 collections with the Exact same amount that are duplicated from the same company. It has brought my credit report down drastically, this error has cost me so much already and need this resolved.
07/17/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32210	Web
I am filing this complaint because Capio Partner LLC has ignored my request to provided me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you
03/19/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 34608	Web
I did not get notification of an alleged debt that should have been paid in full by my medical insurance. There was no communication from this debt collector and the Collection Agency reported this negative trade-line in my credit report without giving the option to dispute to dispute and ask validation of the debt, I need all the documentation, with payments applied by my insurance and I believe this XXXX XXXX XXXX overcharged me for the procedures performed.
08/29/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AR 718XX	Web
XX/XX/2021 Capio partners I have called and asked several times to send me a letter in writing they will not send me a letter in writing they said they would send me an email and I would need to pay over the phone and they continue to call and call and call and I continue to ask for it in writing and they deny me I will not pay over the phone and they will not send me a letter in writing. I have tried to clear this debt up but I will not do it over the phone.
04/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33162	Web
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
02/02/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA 705XX	Web
On XX/XX/XXXX I mailed a letter of VALIDATION to XXXX XXXX for 6 different accounts via certified mail. I haven't had any knowledge of these debts or any contract with this company so I requested VALIDATION. This company received my letters on XX/XX/XXXX. I received a response from them on XX/XX/XXXX. The response did NOT include ANYTHING that VALIDATES the debts are mine. This company did NOT provide ANY documents with signature for VALIDATION as requested.
11/28/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AR 72762	Web
I pulled my credit and found a collection from XXXX XXXX XXXX, it states that the orignal creditor is XXXX XXXX XXXX. I do n't know who XXXX XXXX is, or the XXXX XXXX is. I have never received paperwork from XXXX XXXX XXXX, and I tired to reach out to them, find out about the debt. They just kept telling me its from the XXXX XXXX, and I need to pay it. I tired to push for more information, so I can put together a validation letter. They wo n't give it to me.
11/25/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43207	Web
This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
11/25/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43207	Web
This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
11/25/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 447XX	Web
This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
08/26/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33614	Web
I received a collections letter from Capio Partner for {$3500.00} for a hospital visit in XXXX. I overnighted a letter requesting validation of the debit on XX/XX/XXXX, and Capio received it on XX/XX/XXXX. I received a response on XX/XX/XXXX, well after 30 days. I received a black-and-white printed statement. The address printed on the information was an old address from XXXX. I negotiated and paid this deficit in XXXX before preapproving for a mortgage.
07/01/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 195XX	Web
Date : XX/XX/2023 Dear XXXX : I pulled my credit report and noticed that there are items that are not right. I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : CAPIO PARTNERS LLC ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/2023 Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it.
02/22/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AP XXXXX	Web	Servicemember
the website they use does not have a privacy or terms of agreement but the box must be checked before proceeding. XXXX XXXX I called them, assetcare, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX and they individual i talked to said it wasnt his, assetcares problem that there was no privacy or terms of agreement. Being no terms or a privacy policy in place, There is no way that my information can be safeguarded.
02/03/2023	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	FL 32807	Web
I received the following letter from a collection company called Capio. I havent heard of them or the debt they refer to in the letter. I sent them the attached Debt Validation letter. I certified the letter in XXXX on XXXX and Capio never responded. The law requires them to respond to my debt validation request. Since they havent, Im formally requesting you contact Capio and have them send me a confirmation this debt has been removed from their system.
12/21/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 20785	Web
XXXX XXXX XXXX reported a collection account to my credit of XXXXThis is a false account reported to my credit and must be immediately removed I already tried to dispute this it wouldnt come off. Ive never been serviced by the original creditor XXXX XXXX it was opened XX/XX/2022 this is a fraudulent reporting and needs to be removed immediately or I will take legal action against Both companies and all three credit bureaus reporting this false account
06/22/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33756	Web
Debt collector AssestCare LLC reported a XXXX debt to XXXX and it lowered my credit score. It says its connected to XXXX XXXX XXXX in XXXX XXXX XXXX, which I have never visited. I have received no correspondence at all regarding this debt and have no idea who it belongs to. I disputed it with XXXX and the response from the debt collector said payment received ( see attached ). I paid nothing and do not understand why this is still on my credit report.
01/11/2021	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77377	Web
I receive phone calls from Capio Partners and when I ask have I done business with them directly, they will not respond. They repeatedly ask me for my date of birth, I have no idea who this company is I have asked them to mail me correspondence from their company and they still haven't done so. I have told them I am I have had my personal information exposed on the dark web and I will not provide information to a company that I have never heard of.
05/22/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33709	Web
I was send a credit alert stating that I had a negative remark. So I pulled my credit and got information and phone. And I was told that my name was used for several hospital visit with no insurance and had not paid the bill. I told the lady that it was not me. I requested a copy of bill. She only info that could be provided was date if XX/XX/XXXX XX/XX/XXXX and a date in XXXX. The name of responsible party name was XXXX XXXX my name is XXXX XXXX.
06/24/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33613	Web
After debt was verified to be forged and fraudulent XXXX was supposed to delete the records and all information about me and my XXXX child, dispose of them accordingly and was NOT TO RESELL DEBT. XXXX XXXX had previously violated 33 of my consumer rights and yet again violated another one. XXXX resold fraudulent debt to XXXX XXXX XXXX on or around XX/XX/2022. This account was once again placed on my consumer reports further damaging my character.
10/15/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	LA 70816	Web
I dont know who ASSETCARE is and tomorrow Im opting out of XXXX XXXX and XXXX XXXX Ive XXXXn phone calls from six in the morning till XXXXXXXX XXXX Ive Disputed this with XXXX they took it off in three months later put it back on because and the balance is incorrect because the creditor has two different other Balance on XXXX XXXX and XXXX and I am opting out of them tomorrow morning. I dont know woh ASSETCARE is And I am tired of the harassment.
05/25/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MO 631XX	Web
XX/XX/2021 I mailed letters to XXXX, XXXX, and XXXX Also, the collection companies XXXX XXXX XXXX, Capio, and XXXX XXXX XXXX for the violations of the HIPPA Law and Privacy Act. I requested validation and a written consent to release any medical information. Also, any written consent to even put these accounts on my consumer reports. I have not received any response back from the Collection Companies the accounts and its been over 30 plus days.
07/24/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	PA 150XX	Web
This collection agency does not stop calling me after many times that I have told them, I've been a victim of identity theft and this account does not belong to me. It's been several years now and they as the company refuses to take it off my credit report and does not stop calling me. I have tried for them many times to stop calling me, take the collection of my three credit reports and nothing yet. Please assist with this matter. Thank you
02/21/2021	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	PA 19121	Web
Pease be advised that I requested validation from the collector of this account. I received a response that clearly violates my Hipaa rights. The collector did not provide me a Hipaa release that releases my medical information to them. Therefore by providing such information they are in violation of my Hipaa rights. I also feel that their response to my request for validation amounts to nothing more than a stall tactic which is also illegal.
11/28/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 770XX	Web
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure makes unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated by rights.
07/27/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MI 48188	Web
Capio Partners , LLC is a collection agency who bought an account from XXXX XXXX XXXX in XXXX XXXX for medical care that was rendered on XXXX/XXXX/XXXX. Capio Partner, LLC is reporting the date in XXXX XXXX as the date this account was opened opposed to the original date of XXXX/XXXX/XXXX. Also they are showing this account delinquent in XXXX XXXX opposed to XXXX/XXXX/XXXX. They have re-aged this account which is a violation of federal law.
04/17/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77590	Web
I have been a victim of identity theft for many years and two collections were placed under my credit report from Capio Partners LLC, I have try many times to tell this company and their subscriber that, that account does not belong to me and I'm not getting no response from them. I have contacted all credit bureaus and dispute these collections. I truly need help with this company informing them that these account are from Identity theft.
11/14/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32835	Web
Capio Partners is reporting a medical account on my credit reports. I have tried disputing and getting this company to validate this account that I have no knowledge of. I have never allowed Capio Partners to have access to my medical records. Thats is a HIPAA LAW violation, you should not have any of my medical records or personal identification. You can not validate this to me and the account needs to be removed from my credit reports.
05/05/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA XXXXX	Web
Capio Partners have reported a {$760.00} debt on my credit report. I am disputing this debt of {$760.00}, because it has never belonged to me ever! Capio Partners have been uncooperative in resolving this debt which has never belonged to me. This debt of {$760.00} is not mine and I demand a copy of my signature of the hospital admissions paperwork. My personal information was used with out my permission and with out my knowledge.
07/12/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NV 89128	Web	Older American
XXXX XXXX XXXX is an XXXX yr old woman- capio partners are harassing her and muddying up her credit with a false claim that she owes {$100.00}. for XXXX XXXX - XXXX XXXX for XXXX - co pay. this is over 7 yrs ago and she never got a bill. 5 yrs is the limit of owed bills. she had Medicaid & other ins which paid all bills. this needs to be removed from credit bureau 's. please assist her in the clearing of this bill not owed! XXXXXXXXXXXX
03/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07093	Web
XXXX XXXX Amount {$560.00} Collection agency CAPIO PARTNERS LLC Original claimant is XXXX XXXX XXXX Tel XXXX capio partners Tel for XXXX XXXX XXXX This bill doesnt belong to me thats either an identity fraud or misinformation Because Ive never been to XXXX Florida I live in XXXX XXXX and this XXXX XXXXXXXX XXXX is a medical company in XXXX, FL gave collection through Casio partners. I never had any visit or relation with this company.
12/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60629	Web
In accordance with the fair credit reporting act Capio Partners Account # XXXX, has violated my rights. 15 USC 1681 SECTION 602 STATES I have the right to privacy. 15 USC 1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as a late for any purpose
11/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29605	Web
In accordance with the fair credit reporting act XXXX Account # -- -- --, 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.
09/05/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 28677	Web
Upon discovery after viewing my consumer report I see that XXXX XXXX & his company Capio Partners LLC is report-ing an alleged debt onto my consumer report. I am requesting verification- ( sworn under oath ) of this alleged debt by XXXX XXXX pursuant to 15 USC 1692g ( b ). I am also demanding that Capio Partners LLC cease & desist all forms of communication through any & all mediums pursuant to 15 USC 1692c ( b ) & 15 USC 1692c ( c ).
04/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33323	Web
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 USC 1681 Section 602 States i have the rights to privacy. 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my wriiten 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.
06/29/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 20740	Web
On XX/XX/2022, CAPIO PARTNERS opened a collection. {$940.00} that I owe. I have never signed any written document saying that I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. I do not know who they are and have not written consent from my end. Also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureau 's. XXXX XXXX
10/22/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33186	Web
I had a car accident where a women run me over, i used to have an attorney And he Did a deal with the hospital that I had to pay US {$4000.00} for the entire bill because the total amount was around US {$470.00}. I have the letter from XXXX and the insurance that they did paid, the accident was on XX/XX/XXXX, and I was in ther from XX/XX/2018 to XX/XX/2018 I sent the company all of this but they didnt care and submitted that anyway.
12/16/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29673	Web
On XX/XX/XXXX I sent a letter requesting to have debt information sent to me. On XX/XX/XXXX I received a typed up letter from Capio Partners of Statement of Account along with a statement stating NOT A BILL with a service date and description. A second letter on XX/XX/XXXX requesting to validate debt which was not done in initial letter. I have not received a response as of XX/XX/XXXX. I am requesting to have this debt removed.
11/18/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 32703	Web
I receive a call Capio Partners being disrespectful over the phone. About making comments about my debt when I said I sent you a letter and please do n't call me until you respond to the letter. I found out that 12 days ago they receive this debt from XXXX XXXX without my permission and not responding to the letter of validation on XXXX XXXX, 2016. Plus I mail an request for Validation letter to Capio Partners on XXXX XXXX, 2016.
09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 310XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
03/31/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77063	Web
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT!
12/31/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 08757	Web
I paid XXXX to a collection agency on XX/XX/XXXX with no receipt of payment besides showing my XXXX card was charged for the money. XXXX XXXX XXXX then sent this to another collection agency and the charge was disputed and removed from my credit report. Another agency recently ( XX/XX/XXXX ) states they obtained the debt and I still need to pay. This bill has been paid off and XXXX XXXX XXXX now continues to haunt my life.
09/04/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33809	Web
XX/XX/XXXX- XXXX XXXX XXXX/Capio I called them multiple times and they sent me one letter. Just recently for a supposed {$550.00} debt that was never paid back in XX/XX/XXXX. I have tried to contact them multiple times in order to resolve the issue and find out what the debt is for. They have given me multiple stories about multiple hospitals and procedures. But nothing verifiable. They have now put it on my credit profile.
06/09/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33614	Web
Recieved a collections letter in mail saying I owe XXXX $ from XXXX of 2018. I never went to hospital in 2018. Also address on file is incorrect never lived there nor where that is. I called XXXX XXXX XXXX billing department XXXX and they told me Medicaid paid the bill already a while ago in fact over paid. I do not owe this. I have left voicemails and no resolution. I requested validation letter and no sent me anything.
09/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28144	Web
This company is fraudulently alleging that I opened an account with them on XX/XX/2022 and that I owe them a past due balance. This untrue and inaccurate. I have no contracts or other business relationship with this company and never authorized them to share my personal non-public information with any parties, including them. They have not been responsive to my attempts to remove this information from my credit report.
09/14/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32244	Web
This debt was applied to my credit within the last year ( XXXX ) The date they state I was there was in KY, was the winter of XXXX. My XXXX son was seen as a patient and they did not apply our insurance to the balance. This hospital has been shut down, filed bankruptcy and had allegations of falsifying accounts and charges. I asked for proof of the charges, nothing was sent to my address. Email or any form of contact.
09/08/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33309	Web
This was workers comp case that should of been taken care of and paid off a year or longer ago.. this case was handle by workers comp insurance, the second time Capio partners damaged my credit. I contacted my lawyer, all debt has been paid. Fast forward 10 months later and I have a derogatory mark dropping my credit by 20 points. Saying I owe funds for the third time. Horrible company, please someone investigate them
04/06/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IN 46234	Web
I have a collection from XXXX XXXX XXXX for {$960.00} from XXXX XXXX XXXX. I do not use this hospital. Ive never received a bill or a call in regards to this bill. Called this collection company and can not get ahold of anyone. I have been repairing my credit for awhile and pay on all of bills. I am trying to purchase home for my children and I want to remove this. I have been trying to reach someone for over a month.
06/18/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32837	Web
I pulled my XXXX Credit Report today, XXXX XXXX , 2017 and there are XXXX collections on it just reported in XXXX . I have not received any communication prior to them being reported to the credit Bureau by this collection agency I can identify. I have highlighted the XXXX collections that appeared on my bureau from snapshots I took from the XXXX website noting the reported date as XXXX , 2017 .
11/13/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33907	Web
My bankruptcy was Discharged on XX/XX/XXXX In XXXX County Florida my account were charged OFF and now On my Credit Report - CAPIO PARTNERS # XXXX XX/XX/XXXX AMOUNT {$4300.00} Is showing Back on my Credit Report -Again This was Discharged during my bankruptcy - I Reached out to CAPIO PARTNERS, Provided them my Bankruptcy Court information and they stated they would address this issue. However - it is still showing.
12/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 714XX	Web
This collection agency is violating my rights under the No Surprise Act of XXXX I have a medical bill that an out of network provider is charging without my prior authorization. I am requesting this item be removed from my credit report immediately as under the condtions of the FCRA I am allowed a fair and accurate credit report. Please see details below : Capio Partners LLC XX/XX/2022 in the amount of {$200.00}
04/03/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32835	Web
ASSETCARE ( XXXX ) is reporting inaccurate information on my credit report. According to the FCRA, all information on credit report must be 100 % accurate. I took a screenshot of the account from my IdentityIQ. Assetcare has a incorrect date opened, last reported incorrect, date last active incorrect. I've sent out a debt validation letter with no response. I consulted with a FCRA rights attorney if need be.
04/02/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30058	Web
I have been asking for Validation of a debt that I was told I owed and in asking for validation I have yet received anything from this company. I know they have received my validation request because it was sent to them certified and was signed for by a company representative. I have yet to receive validation of any kind as requested but I am still receiving letters from this company saying I owe something.
05/25/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	PA 15221	Web
Capio partners used false representation of the alleged debt trying to collect on a positive balance in regards to a negative alleged debt. The balance didn't have a ( - ) in front of the alleged debt making it a positive number. CAPIO PARTNERS used threatening tactics to report negative remarks on my credit file if the alleged debt was not paid. CAPIO PARTNERS furnished and compiled a deceptive statement.
06/22/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70726	Web
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 davs and vou are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items IMMEDIATELY!
07/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 182XX	Web
In accordance with a Fair credit reporting act [ CAPIO ACCOUNT # XXXX has violated my rights. XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. [ XXXX XXXX ACCOUNT # XXXX has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
07/09/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29730	Web	Servicemember
The company had placed a medical debt that I do not know of and do not own/owe. I had filed a dispute with the various credit bureaus, but the only information that was updated was a balance. There was no accounts removed. On top of that, the account has been placed on my credit report with two different reporting balances, instead of one. I will threaten legal action of these false debts aren't removed.
05/08/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WI 530XX	Web
The nature of my concern : XXXX XXXX XXXX XXXX received and cashed payments ( {$1600.00} ) for over two years and did not post the payments to the account. instead, they stole my money and placed my account into collections deliberately damaging my credit for their financial gain. I have copies of all of the cashed checks as well as emails from XXXX XXXX. XXXX admitting they did not post the payments.
01/28/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28215	Web
I have not received any bills and do not know what this collection is for. It just showed up on my credit as a collection. It is for {$360.00} from Asset Care LLC. Opened XXXX XXXX 2022. No phone number for them is provided, only an address. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. It is not fair that this can ruin my credit score and I dont know what it is for and have never received bills or calls.
06/02/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77642	Web
tryed to contact to let them know this is not my bill i will say again i have not had a hospital bills in over 12 years this is not my hospital bill if they cant show me my name that i sign with my hands this is not my bill i have been fighting about the credit bureau with wrong name addresses and phones numbersi just got all my stuff straight so please stop lying saying i have a bill when i dont
11/09/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CO 809XX	Web	Servicemember
I have been charged and had two prior collections account for the same medical bill and the same amount {$330.00}. Finally I got those two collections deleted from my credit and now I have one more collection for the same medical bill and same amount reported on XXXX. I never received a phone call/mail/email notifying anything. They just added a 3rd account for the same charge without any notice.
05/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77084	Web
I accessed my credit reports and see that Capio Partners are reporting information that they are not legally able to report. According to the Secretary of State the agency is not licensed and bonded to collect a debt in Tx. They are reporting negative information and woul d like for them to delete the information they are not bound to report. i have reached out but to no avail they are refusing.
01/02/2018	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 77072	Web
Had a medical bill on my credit report from XXXX medical center at the time that the medical incident occurred had XXXX has having it taken off my credit more than once he keeps coming back on my credit report under different collection agencies the debt has been paid in full under XXXX if it has not I did have XXXX would like them to stop placing it on my credit report and a different agencies
06/22/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 32246	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
09/29/2023	Yes	Debt collection Medical debt	Communication tactics Called before 8am or after 9pm	IL 604XX	Web
Medical debt amount is not mine, collection agency claims it falls under mine. Claims my insurance company paid partial but never had the insurance company they are claiming paid. Tried taking to collecting agency, they are using unfair practices to try and collect a debt that's not mine. They keep asking for proof but how do I provide proof when it's not mine, I have nothing to provide them.
05/12/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	TX 77072	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
01/16/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	VA 22191	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
10/29/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IA 50701	Web
HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH CAPIO PARTNERS. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
12/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 78237	Web
AS I WAS VIEWING MY CREDIT REPORT I NOTICED INQUIRIES AND ACCOUNTS THAT DO NOT BELONG TO ME. IVE HAD MY WALLET PICKED FROM ME NOT TOO LONG AGO AND I WORRY THAT PERSONAL INFORMATION IS BEING MISUSED. FOR INSTANCE : COMPANIES- CAPIO PARTNERS LLC XX/XX/XXXX {$2900.00} XXXX XXXX XXXX {$19000.00} INQUIRIES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
06/19/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	SC 29680	Web
Capio Partners has violated my federally protected rights under 15 U.S.C.1692g. Per my consumer reports, this debt collector opened a collection account on XX/XX/2022 in the amount of {$1000.00}. I DID NOT receive a XXXX Validation Notice pursuant to 15 U.S.C. 1962g. As a result, I was not afforded my right to dispute this alleged debt within 30 days pursuant to 15 U.S.C. 1692g ( a ) ( 3 ).
03/01/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NH 035XX	Web
I still have this on my Credit - Debt Collector ( Asset care Llc ) about XXXX XXXX XXXX. This is hurting my credit and its a Medical Bill which I have previously spoke with atleast 2 other Collectors about. I thought this was taken case of the last time I spoke with someone but apparently not. Can you please look into this? If I am wrong can you help me to understand this then? Thank you
03/23/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AZ 85085	Web
I saw a new collection on my credit from Capio Partners. I was never notified of this debt or that they were putting anything on my credit and giving me a right to dispute it. However, I sent a validation request to Capio Partners. They won't respond or anything, yet they continue to report this on my credit. This has been going on for 65 days. This agency is in violation of the FDCPA
04/07/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	GA 31909	Web	Servicemember
I just received notice of this medical bill this year and this bill was dated XX/XX/2019 and I had insurance and never received a bill contact my insurance and was told it has reached the statue of limitations because they should have filed it on my insurance do the debt can't be paid and why they wait 4 years to put it into collections and I never received a bill for this debt in XXXX
02/24/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 435XX	Web
THEY BREACHED HIPPA. I received an account in collections through Capio Partners with absolutely no written notice. No phone call, or anything related to debt. Not only this, they have information that I never gave permission to have released through HIPPA. This is unacceptable, so not only was there a failure to file a written notice they breached my right privacy through healthcare.
03/19/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32806	Web
I have hospital debts that are not mine. I remember two instances when I went to the hospital with my mom and I took my brother also for an injury. But I personally never went for myself. I've reached out to the credit bureaus and debt collectors themselves but they haven't responded in 60 days. It pains me to have these incorrect items on my credit report that are causing me distress.
10/28/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 93263	Web
Capio Partner communicated in a letter they sent me through the mail with intent to extort money from me by using interstate communications in a scheme of fraud by using threat, intimidation, deception, and enticement to coerce me into paying them money through the mail. They claimed they purchased this alleged debt from XXXX XXXX and has been contracted to collect by XXXX XXXX XXXX.
01/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 117XX	Web
Derogatory credit reporting was submitted by AssetCare, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amounts of {$990.00} and {$640.00}. I have never had an account with AssetCare. Despite my father requesting information from them, these accounts have never been substantiated. Out of network charges are never approved and I am fully insured and covered under XXXX XXXX XXXX XXXX
08/06/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33810	Web	Servicemember
I received an alert from my credit monitoring service and Capio Partners LLC is erroneously reporting a debt in the amount of {$180.00} for an account opened on XX/XX/2019. I have no knowledge or relation to this company. I have never received any correspondence from this company. I have no idea who Capio Partners is and they are negatively impacting my credit report and scores.
08/26/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MO 631XX	Web
I have received a report on my credit from a XXXX XXXX XXXX XXXX for XX/XX/2020 which I have not been to the hospital none 2020 and the fact that this appeared on my credit Is evidence of identity theft or that the company altering dates and time please correct this the last thing I need is more debt in this global pandemic and I will continue to try and reach out to the company
03/17/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 711XX	Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
01/20/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	VA 22191	Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
01/16/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	VA 22191	Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
10/30/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32218	Web
I became aware of this collection account while reviewing my credit reports. I have written to Capio Partners LLC to validate these collection accounts as well as their authority to collect on said debt. and have received nothing. I believe my HIPPA rights have been violated as I have never given ANY entity permission to share my personal medical information with a third party.
05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WI 530XX	Web
XXXX XXXX XXXX XXXX received and cashed payments for over XXXX years and did not post the payments to the account. instead, they stole my money and placed my account into collections with Capio XXXX deliberately damaging my credit for their financial gain. I have copies of all of the cashed checks as well as emails from XXXX XXXX. XXXX admitting they did not post the payments.
01/30/2023	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted your employer	LA 70808	Web
1. They have called me 3 times per day for the past week, starting on XX/XX/2023. They are claiming I owe more than I actually do- I owe {$300.00}, they are asking for {$900.00}. They will not tell me who the debt is owed to. 2. Today ( XX/XX/2023 ), they called my job and asked for my full name, social, and address. When they refused, the operator was rude and argumentative.
11/22/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32822	Web
In my review of my credit report CAPIO PARTNERS LLC is reporting a collection debt account number XXXX to the CRA. I have no knowledge of this collection debt and this negative account has affected my ability to obtain credit. It is a violation of FCRA for any COLLECTION AGENCY to report any collection debt account to any credit reporting agency without notifying the consumer.
05/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 190XX	Web	Older American
I notified this sender to say they're texting the wrong person but they continue to send these debt collector text messages and it is disconcerting and annoying and I'm very concerned that they're able to hack through our phone numbers, emails, etc. Something needs to be done. I continually received these, and other phishing emails and phone calls. I refuse to tolerate this.
12/08/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 441XX	Web
I called the debt collector Capio Partners to find out why they reported a collection account on my credit. I was advised that the debt belonged to XXXX XXXX as a patient and the debt is from XXXX. This is not my debt and they have not sent any written notice to advise of the situation, but reported the debt as of XXXX XXXX XXXX I advised the debt collector and they hung up.
03/18/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 43607	Web
I recieved a letter today from Capio partners in regards to an alleged debt from XXXX for my son. The letter threatened to report the alleged account to the credit bureaus of not resolved. For one, my son is covered under two insurances, XXXX failed to bill both of them ; one of the insurances is XXXX. I dont owe XXXX any money and the my insurance companies were not billed
10/20/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 225XX	Web
I have reached many companies and many departments in the past couple years trying to resort this issue. This debt was supposed to be cleared during the beginning of covid. XXXX wasn't expected and demanded a lot of people that didn't have much to offer. I submitted the proper paperwork and got all my medical bills cleared except the one that capio has been harassing me for
06/26/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44001	Web
I had two collections account removed from my XXXX report, being deemed invalid. The two collections agencies have both back on my XXXX credit report after me disputing them. They are incorrectly reporting these debts and they are not mine. I have screenshots of the collections accounts being removed and I want them off my XXXX report immediately before I file legal action.
12/24/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34759	Web
This case had already been submitted to the CFPB under the name of XXXX for violating the HIPAA law, now XXXX passes this same bill to another company named Capio Partners LLC since XXXX failed to provide the evidence requested and the case was closed. Now here I include evidence of the same XXXX case, and do I successfully stop this collection or proceed with legal action
11/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32832	Web
In my review of my credit report, XXXX/CAPIOPART is reporting a collection debt to the credit reporting agency. I have no knowledge of this collection debt and this negative account has affected my ability to obtain credit. It is a violation of FCRA to report any collection debt to credit reporting agency in attempts to collect a debt without first notifying the consumer.
12/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	AL 352XX	Web
This company put a collection on my credit report which has already been removed and has a police report attached to it for the result of identity theft. This company is claiming I owe a amount of {$310.00}. This company is not the originator of the proclaimed debt. By law this debt collector is breaking the law by attempting to collect a debt that they did not originate.
12/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33060	Web
This is a formal complaint that inaccurate and incomplete items has been reported on my credit file. I respectfully requested information on ( XX/XX/2020 ) to be provided proof of these alleged items, specifically that contract, note or other instrument bearing my signature.The investigation has taken well over 30 days and I was not notified of the investigation results.
11/21/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33782	Web
I was informed by XXXX XXXX regarding 2 accounts in collections. I am not aware of these debts. I thought all my medical bills were paid. This is a huge impact on my credit. Assetcare {$90.00} from XXXX XXXX XXXX and Assetcare {$81.00} from XXXX XXXX XXXX. These are very small amounts that I would have paid. I am not familiar these debts. I do not know what they are for.
07/10/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33071	Web
I disputed the debt through XXXX and the debt was removed. 2 months later the item was re-inserted. I disputed the debt again but the said the debt and asked for information to verify the debt. No communication was sent to me telling me what the debt was for. ASSETCARE LLC Account XXXX ASSETCARE LLC Account XXXX ASSETCARE LLC Account XXXX ASSETCARE LLC Account XXXX
10/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 336XX	Web
On XX/XX/2021, I got an alert from XXXX credit report from a company called Capio Partners LLC, as a major derogatory that I dont know of. There is also no additional information to contact this so called company to find out what is all this about, so it looks like identity theft, looking forward on getting this issue resolved as my credit dropped immensely. Thank you.
01/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 344XX	Web
I received a phone call from the medical company requesting my insurance information which they already had on file instead of processing the payment they placed it for collection with capio partners who is not eligible to collect debt in the state of FL XXXX XXXX is also in violation of my hippa rights by sending my person XXXX information to a debt collection agency
02/05/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CO 80439	Web
Capio bought some old debt from XXXX. When they reported it to the credit bureaus it was listed as a new collection from XX/XX/XXXX instead of the original date. This is from a hospital where I did not receive adequate medical attention yet still received a full bill, despite having insurance. Aside from the cause of the debt, the date should be reflected as XXXX.
06/14/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX XXXXX	Web
ABOUT THREE MONTHS AGO I RECEIVED A DEBT NOTICE FROM COLLECTION AGENCY CALLED CAPIO. I HAVE ASKED THIS AGENCY TO PROVIDE ME WITH A DETAIL OUTLINE OF ALL CHARGES LISTED LEADING TO THIS DEBT ADDING UP A TOTAL OF {$1700.00}. I AM REQUESTING THE INFORMATION IN WRITING WITH MY SIGNATURE SHOWING I DID AGREE TO THIS AMOUNT FROM CAPOI. I HAVE NO KNOWLEDGE THIS DEBT EXIST.
05/04/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 11215	Web
Capio Partners continues to report an account that I have no idea about. They are reporting this false information with the credit bureaus and is causing me to lose a chance of renting new office space. I have perfect credit and this malicious information is damaging my business. My next steps will be to contact an attorney and file suit against them for damages.
09/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60620	Web
It is showing a debt owed for XXXX on all credit bureaus. I have no idea what this is and what your method of verification was. I did not receive any written documentation or phone calls regarding this matter. I have no idea who this creditor is and I have never did business with them. Please delete this from my report. Also, what was your method of verification
09/21/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32216	Web
I received a letter from Capio Partners and i sent off a Debt Validation to this company over 45 days ago and they're just responded to my validation letter. This company didn't provide proof that I owed debt except they sent computer printouts but nothing with my signature on it, and also this alleged debt was paid via a lawsuit from car accident of this year.
06/09/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 336XX	Web
On XX/XX/2020, CAPIO partners fraudulently reported a debt of {$2500.00} on my XXXX credit report. I have not received any documentation to verify this debt. I have not been contacted by this company whatsoever. If you search the name of this collection agency online, you will find hundred of consumer complaints describing these unfair and deceptive tactics.
08/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Didn't receive services that were advertised	NY 14120	Web
I went to check my XXXX XXXX statement and it said that I had an account out of Texas for a Capios LLC I am not familiar with that. I do not live in Texas I live in New York someone got my information from me for a job interview over the phone and I tried to report it then and for some reason it still went through even after I made a report of identity ThEft
07/30/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28786	Web
Received letter dated XX/XX/2022 on XX/XX/2022. This debt does not belong to me. I have disputed previously and the debt collector continues to send me mail. I wish to not be communicated with and wish to continue to dispute this debt. The debt collector is Capio Partners LLC located in XXXX, TX XXXX. Original Creditor reference # XXXX. Capio Account # XXXX
04/22/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MO 63121	Web
A fraudulent medical debt has been placed on my credit report by a company named Capio partners the original debtor is XXXX XXXX XXXX XXXX. THIS FRAUD DEBT was placed on XX/XX/XXXX with out me being notified of this debt also my credit score has took a few tremendous hit I want 100 points added back to my credit immediately and to be compensated for fraud.
06/26/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33169	Web
This collection reported on my credit report needs to be removed off of my credit report as soon as possible. The company has failed to comply with contacting me back. The date of this opened account is XX/XX/2020, and the amount is {$330.00}. Also, for each bureau it is reflecting a different date on my report. This is grounds to have it removed as well.
08/25/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 44483	Web
I received a bill today XXXX XXXX regarding a bill of XXXX XXXX and XXXX XXXX dollars for a hospital bill. The bill was apparently on XX/XX/XXXX from a non profit hospital, that billed my insurance, and after I filled financial medical assistance paper. I didnt receive any bills afterwords, and looking at the Online billing with a balance or XXXX dollars.
07/11/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77340	Web
Upon reviewing personal credit report, found entries from Capio Partners. I had received no information from this company referencing the debt, or letting me know that I owed a debt. Mailed a letter to company at the address listed on the credit report entry, and company has failed to respond or give any information as to the validity of the debt claimed.
06/16/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 334XX	Web
this is the 2nd or 3rd time this " agency '' has sent a letter saying we owed money and they will settle it for less. We, however, were never behind in any payment to this office. I confirmed this fact each time I received a letter from this collection agency. I believe them to be a complete fraud trying to get money out of people who may not be aware.
01/08/2023	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	SC 29649	Web
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Assetcare LLC, XXXX XXXX XXXX and Capio Partners Account has violated my rights. 15 U.S.C1681 section 602 A. States : I have the right to privacy. 15 U.S.C1681 section 602 A section 2 : It also states a comsumer reporting agency can not furnish a account without my written instructions.
11/01/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 32068	Web
They call constantly. This big issue as medical debt, my information is under HIPAA protection. When they call to authenticate, the supply the information such as my name and DOB that they use to authenticate. This means anyone can just say yes and have access to my debt info with them. This is a backwards process that is a potential breach of PHI.
05/30/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NJ 07747	Web
They asked me for personal information. i told them i dont give that over the phone. The guy told me so your not ready to cooperate hung up and called me XXXX time s in a row. I called them back and ask them to stop. he then stated that he need to verify me again. i said i dont know you and i wont give you personal info he said we ll keep calling.
02/18/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32714	Web
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Florida XXXX Asset Care LLC original creditor XXXX XXXX Account number XXXX amount {$120.00}. This was taken off my account over a year ago now it is back on my account this should have been taken care of by Medicare with my insurance it was a XXXX XXXX in XXXX which was free
03/20/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77590	Web
Contacted both companies on XX/XX/2018 and several times before this. I have try many times to explained to them that I have been a victim of identity theft for many years and this account those not belong to me. I have submitted police reports and much information need and it's still being charged to me and place on all 3 credit report agencies
09/06/2017	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	LA 710XX	Web
XXXX XXXX XXXXl XXXX. opened XX/XX/XXXX I had XXXX 3 weeks after transferring jobs. my previous employment I had insurance, and did n't receive insurance for 90 days at the new job. I was eligible for XXXX insurance but they did give it to me. XXXX XXXXs XXXX XXXX opened XX/XX/XXXX I gave them my proof of insurance but they did except it..
06/16/2019	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 Problem with personal statement of dispute	FL 33311	Web
Reporting agency : XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX XXXX, TX XXXX I obtained a copy of my credit report and notice XXXX XXXX are reporting two Medical debt on my credit file. In the amount of {$210.00} and {$230.00} for a debt I don't believe is my debt. I am requesting validations on these two debts placed on my credit file
10/13/2019	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 339XX	Web
Capio Partners has put a debt on my credit report that was taken off one month then they put it on the next after it was closed. I asked them to stop calling me and even blocked their number but they still call. They list the debt as being opened this year. That is false and against my rights as a consumer to report any incorrect dates.
07/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL XXXXX	Web
This company has not provided any information to me relating to the debt, I don't believe this is my debt I've already filed a dispute with all 3 reporting agencies, this debt does not belong to me I'm in no contract or debt with these companies and they are reporting it even after I have disputedit ... ..pleaseremove from my credit
03/07/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32256	Web
I disputed this debt via another debt collector last year that had this debt and it was deleted off my report due to not having proper documentation to collect the debt. Also once this debt was removed it can not be placed back on my credit for collection and if it does it gives me the right to sue any party that violate my rights.
01/01/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NJ 08330	Web
ASSET CARE LLC, ACCOUNT # : XXXX ; located ; XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$100.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
12/23/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 92596	Web
I am unaware of this debt. I don't even know what this debt is pertaining to. This company has not sent my anything via mail, phone, or email verifying such debt. I was not made aware until it I was notified through my credit report. I would like for this debt to be removed from my credit report as I believe this debt is an error.
12/21/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 19607	Web
These people are trying to charge me a bill that my insurance was supposed to pay. But because they are lazy to deal with that they just put it into collections. Ive had insurance for many years and they were supposed to contact them. Im currently unemployed and going through so many economic issues to be able to make a payment.
11/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32746	Web
I requested a method of validation on XX/XX/2022. The collection agency has yet to respond. I am requesting a deletion of these accounts from my consumer file. They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA.
10/11/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33130	Web
I paid to this collection company CAPIO PARTNERS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. {$340.00} back on XX/XX/2018. Later on they send a report to my credit agency without notify me. The credit report agency send a notification that a new account was report without any writing notification to me. the new balance is {$370.00}.
09/11/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78573	Web
Ive received calls from XXXX XXXX about a debt and Ive been trying to contact them back but no one responds back. Ill actually like to solve the debt but I need a good representative thatll help me out and be honest about the debt and issue since this company has received a lot of negative reviews involving scamming and fraud.
06/08/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 22314	Web	Servicemember
I received a notice in the mail from Capio Partners stating that I owe " XXXX XXXX XXXX XXXX '' the amount of {$1400.00} for services they claim I received on XX/XX/2020. This is completely false and I have never conducted any business with either of these companies. I have included a copy of the notice I received in the mail.
03/18/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NY 11368	Web
Debt Collector has not provided a notice of any existing debt nor the provided verification of said debit. They have not provided proof that they are licensed to collect debts in my city or state. Instead in bad faith they place negative information on my credit report, impacting my score circumventing my rights as a consumer.
04/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34952	Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
12/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 75243	Web	Servicemember
On the Date of XX/XX/2019 I was admitted to the XXXX XXXX at the XXXX XXXX in XXXX XXXX. The nearest Veteran hospital was approximately 3 Hours away in XXXX Illinois. I was charged as by the Bill, it was sent through various collection agencies. The XXXX XXXX is now reimbursing XXXX for emergency care at non-VA facilities.
04/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33436	Web
FRCA Violation student loans DEPT OF ED/XXXX DEPT OF ED/XXXX DEPT OF ED/XXXX DEPT OF ED/XXXX FRCA Violation collection ASSETCARE LLC FRCA Violation inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
12/21/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	CA 93309	Web
XXXX XXXX. has flagged my social security number for XXXX XXXX on XX/XX/XXXX. This caused my credit to take a hit. They have not tried to call me to notify me of this and I have called and emailed the company but my emails and phone calls haven't been returned to discuss this. I disputed the collection on experience also.
05/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28269	Web
In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX ASSET CARE LLC, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannont furnish a account without my written instructions.
08/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 18201	Web
In accordance with a fair credit reporting act [ ASSETCARE # XXXX, XXXX XXXX # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
07/15/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL XXXXX	Web
The date was for XX/XX/2020 and the debt was for {$270.00} and wasn't aware that I could dispute this debt. The XXXX Hospital charged off my balance in XXXX of 2020 and did not make me aware that I had the right to dispute the charges there was no documentation that I had signed stating that this debt was owed to me.
05/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 752XX	Web
In accordance with the Fair Credit Reporting act XXXX XXXX Account # Beginning in XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
05/16/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33613	Web
Recently, I noticed that Capio Partners repo rted XXXX medical debts on my XXXX credit report. Prior to the appearance of those accounts, I never received any notice of the balances, nor my notice of right to dispute. I have ask ed Capio Partners to delete these accounts from my credit report, but they refuse.
07/05/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77084	Web
CAPIO PARTNERS LLC XXXX at # XXXX XXXX XXXX XXXX XXXX, TX XXXX has been sending me collection notices in the amount of {$600.00}. The collection has been reported as pasted due balance. I do not know this company I have never done any business with this company this company does not have a contact with my signature.
01/28/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33026	Web
This balance from XX/XX/XXXX is not owed and removed from my credit report before under other collection agencies. This new collection agency has falsely reported this as a new debt opened in XX/XX/XXXX. This is false in an attempt to reengage and make a profit on a debt that was from XX/XX/XXXX and no balance owed.
02/25/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 33647	Web
There are so many little collections listed that go away and come back, they are unknown, requested several times from ALL the companies and nothing has been received. I want this removed CAPIO PARNERS LLCXXXX Balance : {$200.00} Capio Partners LLC XXXX Balance : {$200.00} Capio Partners LLCXXXX Balance : {$200.00}
05/20/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 77327	Web
Please help this medical account every two months is sold to another company. This is NOT mine nor can anyone validate it. I haven't received any notices from this new company at all giving me the right to dispute it. All I ever get it is added to my credit file which is not fair, right, or accurate. Please help
11/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 300XX	Web
This company is damaging my credit in an abusive way, I have called those people to tell them to show me that it is mine and they have no way to prove it, I have never used their services or anything like that, I ask for help to remove this from my credit report please, this is a cause of fraud and identity theft
09/15/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28083	Web
On XX/XX/XXXX I was charged {$1900.00} for a collection that I have no idea about I have not been to any doctors or had any debts as of this year I was XXXX from XX/XX/XXXX to XX/XX/XXXX and I know that this is not accurate I just need help fixing this is not the only thing on my credit report that is inaccurate
04/18/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77301	Web
There is a medical bill that is reporting on my credit file that I know nothing about. I have medical coverage and never received anything from a provider 's office indicating I owed money. I have insurance and as far as I knew everything was covered. Why didn't this company or any office send me notification???
10/02/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32205	Web
The events were over 10 years old and In another case I was a ward of the state therefore no debt should be due and I am still harassed and billed for it and 2 other cases were from XXXX and XXXX over 11 years old the original date of incident but somehow they keep resetting occurrence XXXX to suit their needs
04/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX XXXXX	Web
I disputed accounts on my credit report that came back verified. I specifically asked for proof of accounts and who verified the accounts which by law, I am allowed to ask for. The accounts came back as verified and closed without sending any information on who verified the accounts or how they were verified.
10/23/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	LA 70816	Web
ASSETCARE is giving out False information to XXXX of {$1500.00} and XXXX XXXX remove this debt collection for my credit report when I sent XXXX A copy of the bill. And I have a freeze and a credit monitoring alert on my account this that is incorrect when I have paperwork showing that the amount is incorrect.
08/17/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 337XX	Web
This company " AssestCare LLC '' calls from phone number XXXX XXXX XXXX XXXX and says the call is being recorded without getting consent, Florida is a 2 party recording permission state. They do not identify themselves and ask your name and to verify your date of birth. When you ask who they are they hang up.
06/11/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33407	Web
Capio Partners LLC Account # XXXX, XXXX {$290.00} {$100.00} I have reached out this company several times, In reference to these accounts. These accounts are an result of identity theft. Iam disputing this debt because it is not owed by me.This violates the fair credit act by reporting inaccurate information.
10/10/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OH 440XX	Web
Multiple calls and now a mailed invoice from Capio Partners LLC that claim I owe the XXXX XXXX XXXX a {$50.00} co-pay. I do not have a {$50.00} copay with the Clinic any copay I have is in the amount of {$35.00}. I called billing at the clinic and was told I owe nothing. I want Capio LLC to quit harassing me.
10/07/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 77471	Web
I have disputed this item several times with no success of this item coming off my XXXX credit report. I have had it removed from XXXX because the debt is not mine. this is very frustrating as I am trying to purchase a home and have debt that is not mine on my credit report that is affecting my credit score.
08/24/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 75150	Web
I was looking at my consumer report, XXXX, XXXX, XXXX and saw a medical debt collection reported in accurately. I did not receive any documentation from the company nor did I give permission to release any of my medical information to this company. This debt collection company has violated my HIPPA rights.
09/27/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 11691	Web
Assetcare LLC Did not Provide me with a HIPPA release that releases my medical information to them, They are violating the law and my rights. I requested this release form more than 30 days ago and they have yet to respond to my request but, continue to report this medical collection onto my credit device.
07/18/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 448XX	Web
Capio Partners XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Sent a lettering XXXX to collect a debt owed to XXXX XXXX - XXXX XXXX For service on XXXX For an amount of {$1900.00} with an offer to save me 50 % if I paid before XXXX as well as an address to pay online. This debt has been paid for over 2 years.
01/26/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30328	Web
No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
01/07/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 45014	Web
ATTACHED IS DEBT VALIDATION LETTER AND SSC I don't know what account this is and how this company got my personal information which they commited identity fraud to get that. I also don't have a contractual obligation to pay this fraudulent account CAPIO ACCOUNT # XXXX *Please see attached documentation
09/02/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 318XX	Web
CAPIO PARTNERS LLC at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX has been sending collection notice in the about of {$1400.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
07/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29607	Web
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
01/05/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77545	Web
This company does not report to all credit bureaus that debts hv been paid, They reported that i paid my debt to XXXX XXXX XXXX XXXX XXXX to XXXX but refuse to send the information to XXXX. Capio partners XXXX file id XXXX original account # XXXX paid XXXX to XXXX XXXX for services XX/XX/2012. Thanks
10/25/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34974	Web	Older American, Servicemember
Local VA clinic sent me to XXXX Hospital in XXXX, Florida. They assured me that the VA would pay for it. Now I am being advised by credit agencies that two doctor bills and a hospital bill are unpaid and they are ruining my credit. My rating has fallen over 150 points in the last two months! HELP!!!
03/26/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29640	Web
This company put several collections on my credit report and I was able to dispute them and have them removed however a few months later two more accounts pop up and I have not been to any hospital or doctors office in years and the last time I did was in 2010 and everything was under workers comp
10/27/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33181	Web
The Company is capio partners account number they have is XXXX this medical collection has been paid by insurance. also there account # XXXX has been paid by insurance please investigate these 2 accounts by the same company i sure they have no paperwork and is trying to collect on a paid account.
02/29/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 323XX	Web
Checked my credit and saw two accounts from capio partners for XXXX XXXX XXXX XXXX in the Amounts {$200.00} and {$250.00}. I never received notice of those debts and theyre HIPAA violations. I didnt sign a medical release for my billing information. Medical billing codes are Just as confidential.
01/09/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33446	Web
I have received a letter from Capio partners today XX/XX/XXXX regarding a medical payment on XX/XX/XXXX for {$160.00}. I had paid all of my bills as soon as I received them. In addition, who remembers how much and how I paid a bill 4 year ago,?? when I never got notified of any past due bill???
07/07/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	LA 71111	Web
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
12/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 196XX	Web
Company was never authorized to share personal credit reports with XXXX, XXXX or any parties not authorized by me myself or identity holder which is my according to credit reporting law, i would need your help and getting them to remove all this frivolous information on my credit report please
11/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 32792	Web	Servicemember
All the payments were made to the hospital and thru my insurance. Husband says he had a payment plan with the hospital and all payments were done on time. Full debt had been paid and I have no understanding of what Capio Partners were claiming was owed. No payments were made to Capio Partners.
10/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 432XX	Web
This is my second time disputing this account : ASSETCARE LLC # XXXX I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following account ASSETCARE LLC # XXXX.
09/12/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32828	Web
I am writing to formally request validation of the debt you claim I owe, which is related to the account referenced above. I did not request verification of the debt ; rather, I am requesting validation, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.
01/17/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 196XX	Web
I was sent a letter from Capio Partners LLC regarding a debt from a hospital bill from XXXX, but I have never received any sort of bill previously from the original debt holder, I don't know how to respond or what to do but I don't want this XXXX Offer amount to effect my credit negatively.
03/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GU XXXXX	Web	Servicemember
I had a drunk driver hit me XX/XX/XXXX I paid a medical bill XX/XX/XXXX and somehow capio collections twice that I can see..in XXXX wrongfully stated I was in collections for it I want the false info removed this has been awful on me and they made my credit worse for no reason see attached
10/03/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33165	Web
I disputed the account with the credit reporting agency, contacted the original creditor who verified there has never been an account under my name, date of birth, or social security number. Yet the collection agency doesn't remove the negative and false information from my credit report.
07/12/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85381	Web
Received a call from Capio Partners regarding medical debt owed. Was only offered the option online to pay the debt. I never received any kid of bill or anything from this supposed company the debt collector bought the debt from. I have not been given the opportunity to dispute the debt.
03/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 395XX	Web
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. I recently received a copy of my consume reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
08/11/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34638	Web	Servicemember
Date of Service-XX/XX/2013 Account Number-XXXX Balance- {$250.00} I am Disputing the debt that is 6 years 6 months old and do not recognize the debt as mine. Original Creditor-XXXX XXXX XXXX XXXX Florida Current Creditor XXXX XXXX or XXXX- XXXX XXXX XXXX XXXX XXXX Tx XXXX Phone-XXXX
03/03/2018	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 481XX	Web
I have been a vicim of id theft ive never been to this hospital nore is this my bill I have never recived and bill from them to dispute charges just showed up on my credit report and i called they couldnt provide me any informations about what this was or any treatment given anything.
06/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33613	Web
Company violated over 33 of my consumer rights and caused extreme hardship for my person and consumer character in which infringed upon many rights and privileges and resulted in depreciation of livelihood. Included in the upload will have all documentation necessary. Please review.
10/20/2022	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	CO 80112	Web
I disputed the debt verbally to Capio Partners, and less than 7 days later, they called again for the same debt. I am familiar that after the debt has been disputed and documentation has been requested, they can not call again about the same debt less than 7 consecutive days later.
09/16/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32773	Web
I was not advised of this debt, until recently. It showed up on all three credit bureaus. When I called Capio Partners, I was told it's a collection from 2013? I am unable to verify any information with my insurance, or claims benefits regarding this, due to being 6 years out.
09/24/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 43227	Web
I have reviewed my Credit report and found several account unrecognized items from your office ASSET CARE LLC # XXXX, # XXXX, # XXXX, # XXXX. I do n't remember doing any business or having having a contract for services. Please forward me proof of contract or my signature etc.
03/27/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	GA 302XX	Web	Older American
This collection agency has put a debt on my credit reports. I spoke to them about this and they said they sent a collection notice to an address I have not used in almost 10 years. I have not been able to dispute this debt nor have they sent me any thing to validate this debt.
09/07/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	KY 427XX	Web
Original Creditor Name- XXXX XXXX XXXX XXXX XXXX Opened XX/XX/2019 {$350.00} Creditor Information- ASSETCARE LLC XXXX Texas XXXX XXXX XXXX ) XXXX This showed up on my XXXX account as a debt collection. I have XXXX the info and believe it is a scam debt collection agency.
06/12/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 180XX	Web
There was a negative hit on my credit report from a company called CarpioPartners that was opened XX/XX/18 for {$120.00} for XXXX XXXX Hospital. I have never received any information on this amount from anyone. I am fully insured so there are no outstanding account balances.
05/04/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33127	Web
I never received any corrospondence to challenge this debt. Ive been threatened with legal action and now the debt is affecting my ability to get a decent job. I would like to settled for negotiation and a pay for delete. I never gave permission for the debt to be sold off.
07/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77090	Web
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, a letter was sent to this company demanding verifiable information proving that this account belongs to me. This corporation did not send me any paperwork or information that would allow me to confirm that these accounts are mine.
07/14/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 19082	Web
in XX/XX/XXXX i had a car accident after that i went to the XXXX XXXX Hospital which is located in XXXX pa to be checked. i had a vailed auto insurance. i have never been contacted about any bills or debt. in XX/XX/XXXX the posted the amount of XXXX on my credit report.
08/19/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 76179	Web
I had XXXX, i had met all my outer pocket and deductible. This procedure was 100% paid for by my insurance. After the procedure, the doctor sent my XXXX to a out of network company. Which i was billed this $XXXX medical bill. This medical bill belongs to the hospital.
09/11/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	WI 54304	Web	Older American
An old collection filed on XXXX XXXX, XXXX showed up as a new collection reported on XXXX XXXX, XXXX from CAPIO PARTNERS, XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX They have recycled the old collection to a new collection which showed up on my XXXX credit report.
04/19/2016	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	FL 33705	Web
I never received any notification regarding a medical bill that I do n't remember not paying. I would like to get a copy of this bill showing my name and date of appointment. I also would like to know the reason this bill was send to collection without my knowledge.
03/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MO 631XX	Web
My account information is being sold to several debt collectors companies and they report it to my credit. One company after another. I send in my information and the debt goes away, then they sell it again and put it on my credit constantly dragging my credit down
06/09/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	CA 90032	Web
After submitting a dispute and information request to this company, they did not send me a reply or information regarding my debt. Instead, I believe they forwarded my information to another debt collections agency who reported the false debt to the credit bureaus.
03/15/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 34746	Web
Asset Care LLC used took a contract to collect debt from me without my permission. I have never had an account with them. I am asking that they remove that unauthorized account from off of my credit immediately in the amount of {$25000.00}, account number XXXX.
04/25/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 33067	Web
XXXX XXXX XXXX recently reported a {$460.00} collection account on my credit report. Prior to this account appearing on my report, I did not receive a notice of my right to dispute. This is a violation of my rights under the Fair Debt Collection Practices Act.
07/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33614	Web
Investigation is taking longer than 30 days. Sent letters to XXXX, XXXX & XXXX XX/XX/2020 about inaccurate information on my credit report. The following account is inaccurateXXXX XXXX XXXX {$200.00} The following account is inaccurateASSETCARE {$1800.00}
03/24/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37214	Web
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation
04/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32208	Web
Capio Partners # XXXX {$240.00}. These companies keep showing up on my credit report and I don't know them with being XXXX had a big breach I would like for these items to be removed. No Actions was done because I didn't know how to locate these companies.
08/04/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 770XX	Web
Collection company keeps putting erroneous and misleading information on my credit report. They keep taking it off and replacing it back on. I believe it to be criminal at this point and I am willing to travel anywhere for a deposition or court proceedings.
08/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 767XX	Web	Servicemember
3 different collections was placed on my credit repost from this company all opens on the same date and also the same account number. I never had any dealings with this company and this is not my balance owed. Dropped my perfect credit score tremendously.
01/28/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77077	Web
I was written a debt notice from a collection asset care for XXXX with a date of service of XX/XX/XXXX XXXX given an acc number XXXX The later is dated XXXX XXXX I just got the mail XX/XX/XXXX I have no knowledge of me ever owing any medical bills of such
03/03/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	MI 48640	Web
Calling family member 's mobile numbers and asking to speak with me. This company has my phone number and I have asked them to stop calling. I have stopped answering their phone calls. They have called multiple times a week but no less than once a month.
06/16/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33407	Web
XX/XX/2020 XXXX, {$290.00}, XX/XX/2020 XXXX {$100.00} I have reached out to Capio partners in reference to these accounts. These accounts are an result of identity theft which is reporting on my report inaccurate and is violating fair debt reporting act.
04/23/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 34683	Web
There are two accounts reporting from XXXX XXXX XXXX from XXXX XXXX XXXX and XXXX XXXX XXXX and neither should be listed. I was homeless for a long period of time and covered under the XXXX XXXX XXXX. I do now owe any medical debt for that time period.
10/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85367	Web
This is not my account. Creditor is permanently closed, and I have no knowledge of account. The collection agency is non-responsive. Please fully investigate and provide findings to me so that I may sue collection agency under the FDCPA and FCRA.
02/23/2022	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	KY 411XX	Web
I have a duplicate debt reported on my credit report. It has already been reported on my credit report, and this new collection company, keeps reporting the same debt thats already on my credit report. Same debt, just a different collection company.
05/19/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 606XX	Web
For the last couple years this company submitted claims to credit companies, and it has been removed because it doesn't not belong to me and i have no knowledge of this. My credit report has lost major points for something that doesn't belong to me.
01/05/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78245	Web
I have a medical bill that out of network provider is charging me without any prior authorization, the name off the collection agency is Capio Partners they are violating the no surprise act 2022 I need validation of debt and Hippa authorization
05/30/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30721	Web
I found the collection was added to my credit report Im XX/XX/2022 I never received any notification regarding this and have never received medical care at the originating facility. ASSETCARE has not responded to this when I reached out to them.
10/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 346XX	Web
This account has just been listed this year for a second time. This account was alleged to have been acquired XX/XX/XXXX and has just been re-listed for the second time XX/XX/XXXX. After sitting for close to 6 years it was removed and re-added.
01/11/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	LA 70809	Web
There is a Medical Collections on my credit report from Capio Partners that is not mine. It may be for someone with a similar name. I disputed this debt several times with collection agency/credit bureau and its still on my XXXX credit report.
06/25/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA 30041	Web
i sent some dispute letters to capio partners LLC about some alleged debt they said i owe on XX/XX/2020 and i have attached the letters in the complaint below. I sent it to their Register agent office to make sure it gets to the right person.
05/18/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 363XX	Web
The debt is not mine. When I contacted the company I did n't have an account so I was told to enter my phone number. When I done that there was no account listed for me. I 've left many voicemails with the company but they never call me back.
01/13/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OH 44133	Web
Capio Partners LLCXXXX XXXX XXXX XXXX XXXX XXXX is illegally operating in the state of Ohio XXXX They are not licensed with the XXXX in the State of Ohio. I have never had contact with them and all of a sudden I am being harassed at work.
10/21/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CO 80016	Web
Capio Partners have added a medical debt to my credit report despite not sending any communications. I do not recognize this debt and dispute it. Capio Partners is clearly a dishonest company and needs to be fined off the face of the earth.
01/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 773XX	Web
I have sent a cease and desist order! This company that I do not know of continues to send me letters. I think this is my dad 's medical bill but I do not know since we have similar names and he used to live here. But this is not my debt.
03/20/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CO XXXXX	Web
I was injured on the job. Worker 's Comp paid most of the bills. This bill was submitted to a collection agency. I have told them numerous times it was a Worker 's Comp claim & not my responsibility. They continue to contact me for payment.
12/19/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33165	Web
Capio account # XXXX amount is {$250.00} this was placed on my credit report and no one ever called me or sent me information. This debt is not validated as I have insurance and it was paid. XXXX XXXX ... their office is not helpful at all
12/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 71111	Web
I did not give consent to share my personal information with these creditors. This is a violation of the HIPPA law as well as my privacy there were no proof of method of verification and there were no proof of how the debt was validated.
07/10/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	SC 29483	Web
This debt has been removed from my account on several occasions. The company can not verify debt and once it 's pass the allotted time to verify the debt is removed. The company then reinserts debt back onto all XXXX credit bureaus.
11/10/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33713	Web
There is a collection that is unknown and two different collection companies are reporting the same amount. Isn't this against the law? Don't they have to notify me? Send me validation? I have a right to dispute this inaccurate data.
03/24/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 134XX	Web	Servicemember
Whoever is calling wanted to verify residency by giving last XXXX numbers of social security number and would not state who they are or any other information as why they are calling and caller ID just said the phone number and XXXX.
01/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78503	Web
Years ago I suffer identity theft, immediatly I report the issue with irs, and put a freeze on my SSN, but my credit was used plenty of times, with companies that don't verify credit. That has been used from XXXX XXXX to hospitals.
01/22/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32608	Web
On XXXX XXXX 2021 XXXX XXXX sent a debt collections letter claiming there is a balance of {$620.00} cents from a loan they purchased from XXXX XXXX. On XX/XX/XXXX CAPIO PARTNERS reported to the XXXX Credit a bad debt of {$2200.00}.
10/08/2020	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	OH 43110	Web
I called to reach a negotiation from ASSETCARE Debt Collector and asked for a confirmation. The agent was very rude over the phone and asked me to be quiet while she talked. And while I tried to explain myself, she hung up on me.
08/06/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77015	Web
Capio Partners is proposing that I owe a debt in the amount of {$530.00} to them from XXXX XXXX XXXX. I have tried to dispute this debt on multiple occasions and they're not sending the original contract with my signature on it.
03/22/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 305XX	Web
This company has put several medical collections on my credit report, without sending me any kind of notice! This is a violation of my rights to dispute any kind of debt. I want this deleted now. I will seek ligation for this.
10/05/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19464	Web
I have asked for all information on these as workers comp and or personal insurance would have paid for them if they are even mine I am getting debts from states away for medical and plan on starting legal action against all.
01/08/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77388	Web
I need assistance disputing a debt with Capio Partners in the amount of {$1700.00}. I have never obtained services that would result in the mentioned debt. This account has to be a instance of identity theft. Please advise!
02/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	FL 33610	Web
I have made multiple attempts to challenge this account, however it has been repeatedly re-added to my record, despite previous deletions by other agencies. This situation is causing me both emotional and financial distress.
01/22/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	AL 368XX	Web
This company is a debt collector and has put information about me on my consumer report. I have no affiliation with this company nor do I know who this company is. I have not given them any permission to use my information.
06/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 10801	Web
XXXX and XXXX just add items to.my credit and update tradelines. Re aging old accounts never listed as fraud. Medical debt added which was resolved through financial assistance through hospital do bill were not validated.
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70058	Web
Company is reporting information on my report that is not validated and is incorrect. I dont have any outstanding medical bills with Capio Partners . I have never had any contact or done any business with Capio Partners.
02/03/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60644	Web
I am a victim of identity Theft I have not received any phone calls from any debt collectors I have a police report the date of the action that were taken by this company was XX/XX/2022 the amount they saying I owe is XXXX
04/08/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77338	Web
I have been a victim of Identity thief and my personal information has been compromise. I've noticed collections and inquires on my credit report. XX/XX/2020 XXXX XXXX XXXX {$230.00}. Also CAPIO PARTNERS LLC. {$230.00}.
02/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33444	Web
This company sent me to collections debt ... this is not mine, I don't even know who they are... they have my info and my SSN, I don't even know how, I have all my payments up to date, I have not debt with those peoples.
03/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70119	Web
A balance of {$2100.00} was reported on my credit report because someone was going to the hospital under my name, which is fraud and I currently have XXXX insurance. it says it was open XX/XX/2020 for about 2 months now.
06/23/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77035	Web
Contacted original creditor XXXX Hospital to request account was pulled from collections with Capio due to XXXX XXXX at the time of medical care and did not provide HIPPA authorization to extend to 3rd party collections
05/25/2023	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 34759	Web
This people call me any time also i contact this Capio collectors and request an info they not respond i send email to them to XXXX also send a letter is attach here, by the way i am dissable and live with my parents
10/25/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32308	Web
I received notice Of a debit on my credit report. I tried calling the company and didnt receive any answers. I tried calling the local place and no one has any information to show why Im being charged with this debit
09/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30274	Web
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt Vs. Gravens ( mo ) 281 SW 715,719, I presume no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
07/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78758	Web
These accounts do not belong to me Ive been trying to figure out what these accounts are Ive never open any of these accounts Ive been calling an getting no answer these accounts are making my credit go down.
06/11/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77084	Web
No Validation Individual Actions 1. Didn't comply 5 days after speaking with me 2.requested validation and they still have not provided 3.suppose to cease in collection of debts 4.Did not cease and collection
05/02/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30909	Web
I have never received any written notification about this debt. It should not be on my credit reports due to me not having a chance to validate the debt. Please remove the items from all three credit bureaus.
11/15/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32808	Web
On XX/XX/XXXX I wrote Assetcare plc certified mail about validating a debt they claim I owe and never responded within the 30 day period. The amount they claim I owe is {$840.00}. The account number is XXXX.
09/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	KY 411XX	Web
I have two bills on my credit report and they are not accurate. I have had health insurance for 4 and half years its showing I owe a full balance. This hospital is also closed now and has been for two years.
09/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	KY 411XX	Web
I have two bills on my credit report and they are not accurate. I have had health insurance for 4 and half years its showing I owe a full balance. This hospital is also closed now and has been for two years.
08/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78586	Web
There is someone else using my information! There is a XXXX XXXX with her husband name and credit coming on my report! What is going on! She is using my credit! There is fraud! Help plz XXXX XXXX XXXX XXXX
06/30/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33065	Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
06/17/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 44052	Web
I have tried numerous of times to explain to this creditor that I have no knowledge of what I am being ask to pay. And I have asked to get this removed from my credit because it is reflecting and hurting me
04/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33544	Web
This company has an unknown item listed against me. I have disputed with no response back from them. I have no idea what this is and there is always something listed which does n't belong to me. Please help
07/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30094	Web
I was attempting to purchase a home and I realize I had damages on my credit report according to the 15 USC 1681 LAW there should not be any damages on my report because that is defamation to my character.
02/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33309	Web
I'VE SENT NUMEROUS OF POLICE REPORTS OF MY IDENTITY THEFT REPORT AND THE CREDIT BUREAUS REFUSE TO CORRECT THE INFORMATION ON MY REPORT AND IT WAS NOT ME THAT DID THESE FRAUDULENT TRANSACTIONS ON MY REPORT.
07/30/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33435	Web
I have a debt collection agency Listed on my credit report named Assetcare LLC, collecting on the behalf of XXXX XXXX. I 'm disputing this debt because Assetcare LLC is n't license in the state of Florida.
12/06/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 34209	Web
I am getting bills and letters and now on my credit report from XXXX XXXX XXXX and CAPIO PARTNERS LLC. This collectors are apparently for XXXX XXXX. This who the debt was with. These 3 accounts were paid.
08/28/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 27295	Web	Servicemember
The Company Assestcare has reported to my credit report. I have taken all measures to have them remove this. This is FRAUDULENT. Not my account and upon research this company does this to other people.
01/07/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30117	Web
I sent a debt validation letter to this company XX/XX/XXXX. They have failed to validate and it is now XX/XX/XXXX. In results they have removed but added it back under a different name but same address
05/13/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 43607	Web
CAPIO PARTNERS SENT ME A LETTER REGARDING A DEBT FROM XXXX HOSPITAL. I HAVE TWO INSURANCES THAT XXXX FAILED TO BILL. I SPOKE WITH A REPRESENTATIVE THAT STATED THEY ARE REBILLING THE INSURANCE COMPANIES
05/31/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 782XX	Web
They are attempting to collect a debt from someone i dont know that may have had my number previously. After numerous encounters and repeatedly asking them to stop calling me, they continue to do so.
01/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33409	Web
I have been trying to get information corrected on my credit bureau report with XXXX and XXXX. Capio Partners of XXXX Texas are reporting a medical bill dating back to XXXX of 2014 as a new account.
02/19/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33351	Web	Servicemember
This was part of covered medical expense. I was not aware any balance was due, nor was able to confirm the amount shown in collections is even valid. I was informed by XXXX XXXX the balance was XXXX.
12/28/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33435	Web
XX/XX/XXXX a hippa debt validation letter was sent to the company to validate the debt not verify for the billed amount {$950.00} which was not validated by the company which they are in violation
11/06/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AL 36869	Web	Servicemember
The bill was never run through my insurance. The company is trying to charge me the full amount. The attached document shows that my insurance was not billed for this. It is just the full amount.
09/29/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 22903	Web
They keep calling, even though I don't have any history with them. Calls from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
05/12/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32792	Web
I am not reliable for this debt with Asset Care LLC from XXXX XXXX XXXX XX/XX/2019 in the amount of {$780.00}. I have never received any proof of service after sending a letter of verification.
11/12/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX XXXXX	Web
Company is trying to collect on a debt that was previously forced to be removed by CFPB. I have not signed any agreements with this company nor do I acknowledge owning any debt to this company.
04/04/2022	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	PA 180XX	Web
A Collection Account was reported by Capio Partners without any notification of attempt to collect a debt. I have Medical Insurance & payment is done via copayment. So this is not fair at all
03/25/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 79938	Web
I keep getting calls from XXXX XXXX, thats what shoes on my caller ID and they called me in the morning and the night mid day sometimes like XXXX times a day nonstop and I dont owe anything.
07/05/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77583	Web
After receiving a copy of my credit file I seen this account listed which is unknown and not mine. I have disputed with no validation being received. Please help as this should not be listed
05/18/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 458XX	Web
I am not the insurance policy holder that was my ex husband. I have no knowledge of this bill or any notification of ever having a bill. Further more it was ruled that this is now his debt.
08/05/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30044	Web
XXXX XXXX XXXX XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 This company is reporting multiple collections accounts to my credit reports with incorrect balances/accounts that aren't mine
09/21/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33056	Web
I have accounts on my report that does not belong to me and I have sent information to bureaus and companies!! XXXX XXXX, US Department of Education, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
10/17/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MT 59601	Web
Collection account appeared on my collection report from ASSETCARELLC/CAPIOPART for an aparant medical debt from XXXX XXXX XXXX in Massachusetts ; to which I have not lived in since 2014
07/24/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 336XX	Web
This is a medical debt that was sold to another company that is one a Hipaa violation, second the debt was never verified as being mine, and if this was mine XXXX should have been billed.
03/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32244	Web
Capio Partners is in violation of my HIPPA rights. I reached out to the company over 30 days ago and no response. I requested validation of the alleged debt and haven't received anything.
05/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30016	Web
Capio Partners listed 3 accounts in the amounts of {$1300.00}, {$520.00}, and {$160.00}. I have medicaid and should not have these on my credit. I would like these removed immediately!
02/24/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33755	Web
I have an account on my credit who I do n't know which company this debt collection his. I want this to be removed from my credit or get more information about the name of the company.
07/10/2020	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	NV 89130	Web
company keeps calling me from different numbers and harassing me after I have repeatedly told them to stop harassing me. I am getting on average at least a daily phone call from them.
11/27/2023	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33161	Web
A third party collection company is furnishing a negative account and inaccurate information on my consumer report while using the misrepresentation of an attorney to a collect debt.
12/30/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	VA 23223	Web
On my credit report it says I owe XXXX medical bills which I know for sure I do n't because I 've always had medicaid. Plus I 'm not understanding how XXXX bills are the same amount.
06/21/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	SC 29108	Web
They are the scammers who took my card information and get in to my computer without my permission. I did not receive any information from them and they are not picking up my calls.
05/15/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 93021	Web
AssetCare is attempting to collect on a debt that is not owed nor do they hold a valid contract for. Please find attached letters. I am requesting the CFPB investigate this matter.
04/26/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 33594	Web
Capio Partners called my worked number and my cellphone numbers multiple times don't leave a message or anything does it on a daily basis from different phone numbers XXXX & XXXX
11/24/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 346XX	Web
This is not mine was not in bospital on XX/XX/2018. the name of collector capio .nane of hospital XXXX XXXX XXXX XXXX hospital . For XXXX this debt is not mine plz remove this..
04/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33607	Web
This is unknown and I know I do NOT owe nor is this mine, I have disputed etc and it is still listed on my credit file. I need some help Account listed Capio Partners {$110.00}
12/28/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33435	Web
XXXX a letter was sent to the company to validate the debt of {$950.00} not verify, on XXXX the company failed to sent the proper docs, paperwork needed to validate the debt.
05/24/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 335XX	Web
There is a collection from a company that is unknown to me, I have disputed with nothing being received. I do not owe on any medical debt. This is a mistake and I need help
01/02/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32244	Web
The orginal debt was sold to a third party without a written and signed consent to do so. The collection agency is XXXX XXXX XXXX The original creditor was XXXX XXXX XXXX.
01/16/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 33025	Web
I have a account Im collections on my credit profile showing ( Capio Parnters and XXXX XXXX XXXX ) not liable for and also keep getting phone calls from but I dont answer.
12/28/2017	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX XXXXX	Web
They say i owe a debt but I do n't have a contract with this company. When i ask them if they have a bond in texas they hang up. They are in violation with the Hippa law.
10/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	VA 23703	Web
On XX/XX/2021, I checked my credit report and found a account on my report that was not mine. My information was exposed in the XXXX data breach and I filed a complaint.
10/15/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37013	Web
I received a letter from this company telling me that I owe them a debt. I have never done business with this company not have they ever provided me a service nor goods
04/26/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 337XX	Web
I am not liable for this debt that AssetCare LLC, has put on my credit report prior to any debt validation. As of today, they have still not send me any documentation.
06/09/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 89032	Web
reported a false balance of XXXX owe on my credit report XX/XX/2022. Cant prove to me the original contract. This company has harass me about fabricated debt I not owe
09/14/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	NY 115XX	Web
These debts from XXXX hospital are from XX/XX/XXXX and XX/XX/XXXX, I do n't understand why Capio put in my credit report that these accounts were opened in XX/XX/XXXX.
03/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 452XX	Web	Servicemember
Company ( Assetcare ) keeps rebucketing the same account ( multiple times per month and it is negatively impacting my score. This is in direct violation of the FCRA
02/18/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 94063	Web
On XXXX/XXXX/15 I sent a letter to validate the debt that this company alleges I owe them. I have record of them receiving but not complying to validate the debt.
02/27/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 44146	Web
Fraudulent collection account reporting on my personal credit report is damaging my name and credit. {$960.00} amount XXXX account number date opened XX/XX/2022
11/09/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 315XX	Web
Capio Partners is illegally reporting a fraudulent account on my credit report. I have never created an account with them or any of their third party affiliates.
11/17/2023	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 63011	Web
Capio Partners LLC ( XXXX, XXXX ) https : //capiopartners.com/ is making harassing and intimidating calls day and night. I have no idea what they want from me.
01/04/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 77511	Web
Capio Partners just showed up on my Credit Report. I have not received any notification of a Debt owed nor any documentation on the account it is in regards to.
02/27/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32304	Web
I checked my credit and noticed two accounts from Capio Partners, one for {$300.00} and one for {$5800.00}. I can not pay either debt but would like to settle.
03/16/2021	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	OH 43606	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
03/15/2021	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	OH 43615	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
03/14/2021	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	OH 43615	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
03/14/2021	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	OH 43613	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
06/26/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA XXXXX	Web
XX/XX/2023, CAPIO PARTNERS LLC put a collection in my credit for {$1000.00}. I didnt not give consent for a third party to have access to my medical records
06/26/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NC 28092	Web
I checked my credit and this account was in collections. I have no knowledge of this account nor did they send me notice or verify that this debt was mine.
03/29/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30122	Web
I have medical insurance. I am cover by my personal medical insurance and ex-husbands military insurance. I do no owe this debt. Have never seen this bill.
06/22/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	SC 29108	Web
I contacted them to cancel my service and refund the amount as they did not give me any service but they abused me and now they are not picking up my call.
04/17/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07960	Web
Debt does not belong me. The amount of {$440.00} is not owed to the Capio Partners LLC ( XXXX ). Not sure where Capio Partners LLC obtained my information.
09/17/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	NV 89183	Web
i was reviewing my credit report and found this item on my credit report, and have never been contacted by this company at all. I am a victim of id theft.
12/31/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33610	Web
CAPIO PARTNERS LLC XXXX FLORIDA HOSPITAL XXXX XX/XX/2018 {$8600.00} {$8600.00} is attempting to collect and report to my credit a debt that is not mine.
07/06/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32808	Web	Servicemember
ASSET CARE HAS FAILED TO VALIDATE ALLEGED DEBT AND HAS NOT PROVIDED HIPAA AUTHORIZATION FOR THE DATE OF SERVICE OF XX/XX/2018 FOR ACCOUNT NUMBER XXXX.
08/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30316	Web
On XX/XX/2022 a report was made in the amount {$1400.00}. Due to consumer reporting law 15 US 1681 ( a ) ( 3 ) this action has been deemed unlawful.
04/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	SC 293XX	Web
Collection Agencies showing up on my Credit report, and I keep disputing them because I never had any business dealing with the Collection Agencies.
11/28/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75081	Web
I have no information about this company or this debt. I have not received notification or billing information and have no idea who this company is.
03/24/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70119	Web
someone has been going to the hospital under my identity, which is fraud. I also have active XX/XX/XXXXinsurance, and it is placed for collections.
05/29/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32725	Web	Servicemember
There was no contract with Capio Partners. However theyve reported a collection for {$390.00} despite requesting {$270.00} then {$240.00} from me.
11/29/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33594	Web
CAPIO PARTNERS LLC XXXX attempted to collect a debt thats not owed. reporting medical info on my credit report to XXXX and XXXX. XXXX {$900.00}
09/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48075	Web
I have no knowledge of this account I was XXXX at the time Amy of thes debts where created I have no knowledge of the debt nor am I responsible
03/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77014	Web
ASSETCARE is claiming that I owe them {$1000.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
10/07/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 45244	Web
I noticed a collection on my credit report and asked for debt validation as I have entered no contract and have no knowledge of this debt.
10/29/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 291XX	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
08/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30041	Web
Capio Partners LLC is still reporting a debt on my credit report after this debt has been paid in full to the original medical facility.
06/24/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32837	Web
CFPB Complaint XXXX was recently closed after the collection agency agreed to delete the XXXX items but only deleted XXXX of them.
08/31/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 334XX	Web
They continue to call me repeatedly after I have told them I have no knowledge of this account and it has been removed multiple times.
08/24/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77091	Web
This is a medical bill that was paid by insurance and I do not like to feel threaten about my personal information on my credit report
07/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 23324	Web
The Company Is continuing to report the debt to my credit report after the debt was paid and they agreed to remove it from the report.
02/20/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	FL 33168	Web
i dont know who is capio partners llc is or have ever done business with them .... i do not know who they are and how they got my info
09/16/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 37042	Web	Servicemember
Never did business with this company. Requested validation of debt : original contract with my wet signature. Haven't heard from them
05/04/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NC 278XX	Web
Capio Partners , LLC violated the Fair Debt Collection Practices Act, North Carolina Collection Agency Act, and other state statutes.
12/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	NC 28262	Web
per fcra as a federal consumer a charge off is a certificate of indeptness income is not supposed to be reported must be removed
07/09/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 326XX	Web
This debt in amount of XXXX. Was paid in full on XXXX. This is XXXX different company capio sold bill too and Capio was PAID.
05/30/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 337XX	Web
Failed to verify debt. HIPPA rights have been violated I did not authorize or sign a hippa form to access my medical records.
02/12/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33312	Web
Ive uploaded both documents with the information asked for. Ive tried to dispute through the company and nothing ever changes
05/20/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 95117	Web	Older American
Collection company XXXX partners sold this account to another collection agency Capio partners and has left the account open.
10/31/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 315XX	Web
I have full coverage insurance with XXXX. I do not owe {$1100.00} with Capio Partners and I don't know why I have this bill.
10/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 18102	Web
These are the fraudulent accounts -XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX AND ALL OF THOSE AUTOMOBILE INQUIRIES
11/08/2022	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 Difficulty submitting a dispute or getting information about a dispute over the phone	NJ 07111	Web
I dont know about unrecognised charges in please. I need to take that out of my account as I dont know nothing about this.
09/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KS 66104	Web
these 3 company is violating the fair credit reporting act by listing a fraudulent account on my report that is not mine.
07/27/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 20774	Web
Medical Information is being shared to my credit report and this information should not be there which is consumer law.
10/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46235	Web
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.
10/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IN 462XX	Web
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.
05/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 296XX	Web
I am a victim of identity theft, I dont know anything about it. The amount they say I owe is XXXX on XX/XX/2023 XXXX
06/08/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 758XX	Web
I have sent validation letters so they can verified account. I have not received any information on this account.
02/26/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 62521	Web
Attempting to collect a debt of {$830.00} in XX/XX/XXXX which Ive been having health insurance since XX/XX/XXXX.
03/12/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NH 030XX	Web
My XXXX credit report shows two collections for Medical Debt to XXXX in the amounts of {$130.00} and {$200.00}.
06/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33830	Web
noticed this on my credit report and I tried to contact the consumer however no luck. This is not my account
05/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77041	Web
FCRA violation maybe FTC not sure at this point showing informaton not know to me to the best of my knowlege
12/17/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33055	Web
account was deleted from my credit report and has reappeared. causing me hardship dropped my credit score
03/20/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MS 386XX	Web
Debt appeared on my credit report on XX/XX/2022, with no notification or knowledge to dispute this debt.
11/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28269	Web
XXXXXXXX XXXX XXXX XXXX ( I provide them with my insurance information and insurance was never billed )
07/31/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 95117	Web	Older American
Capio Partners has put a collection account on my XXXX credit report. I have paid this account in full.
07/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33607	Web
I have no knowledge of this company and why its on my bureau. Company does not own rights to the debt.
04/03/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 78221	Web
Im getting multiple calls a week. They called XXXX XXXX at XXXX XXXX and on XX/XX/2023 at XXXX XXXX.
11/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28269	Web
XXXX XXXX XXXX XXXX ( I provide them with my insurance information and insurance was never billed )
10/22/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33014	Web
Medical collection company did not submit bill to XXXX workmans comp as requested multiple times.
10/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 455XX	Web
I sent a dispute deletion letter over 30 days ago and this company has not responded back to me.
08/23/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77630	Web
I was made aware of these fraudulent accounts when they were made visible on my credit report.
06/08/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 758XX	Web
I sent out debt validation letter and letter to verify account the collection agency refused
03/16/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32210	Web
I have contact them several times in regards sending me information to validate this debt.
01/29/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 287XX	Web	Servicemember
This debt was from over 2 years ago, why am I just being notified of a debt I don't owe.
06/29/2023	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	NC 28081	Web
They keep calling and iv asked them to stop so they threatened legal action against me.
03/15/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 321XX	Web
This debt is my sons debt he was not living at my home and he was XXXX when it happened
11/10/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 334XX	Web	Older American
Was emergency bill that insurance paid most and I paid the balance over 4 years ago
05/04/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	IN 46383	Web	Servicemember
Capio partners call me excessively every day harassing me and threatening to sue me
02/18/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 79602	Web
The debt In amount of {$1400.00} was paid to capio partners on XXXX. Paid in full.
02/23/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AR 721XX	Web
Asset are account a medical bill for someone not living in house hold mail slam.
10/18/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 33133	Web
Debt validation was requested but collection agency never responded to request.
11/12/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33607	Web
ASSETCARELLS/CAPIOPARTNE HAS A ACCOUNT ON MY CREDIT THATS NOT MINE/INACCURATE.
08/06/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33511	Web
Someone has Fraudulently used my information to receive medical assistance.
08/06/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33511	Web
Someone has Fraudulently used my information to receive medical assistance.
08/06/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33511	Web
Someone has Fraudulently used my information to receive medical assistance.
02/13/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 450XX	Web
I am not sure what this debt is for and was not informed about this debt.
09/20/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77066	Web
Debt is over 7 years old and was recently sold to a 3rd party company.
11/12/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33607	Web
XXXX XXXX XXXX HAS A ACCOUNT ON MY CREDIT THATS NOT MINE/INACCURATE.
03/22/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 322XX	Web
XXXXXXXX XXXX,2023 {$260.00} not licensed to collect debt in Florida
05/27/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 90640	Web
Company states the debt is from XXXX from an emergency room visit
08/25/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 315XX	Web
I have insurance so I shouldnt be charged for any medical bills.
02/27/2021	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 78363	Web
XXXX XXXX XX/XX/2021 {$730.00} Account was marked as derogatory
09/17/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33610	Web
ASSETCARE LLC has an account on my credit file thats not mine.
03/22/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 322XX	Web
XX/XX/2023 {$170.00} not licensed to collect debt in Florida
10/04/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29229	Web
CAPIO PARTNERS LLC Placed on my credit report for {$170.00}.
06/15/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 19403	Web
wrong person this is not my debt wrong social security info
04/13/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33063	Web
I have no knowledge of this debt information is incorrect
04/23/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29501	Web
XX/XX/2018 {$1100.00} Reporting negative on credit report
03/29/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32277	Web	Servicemember
I contact the company and ask for proof of documentation
06/19/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	GA 30253	Web
This is NOT my debt. I want it removed immediately.
07/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98499	Web
Reporting a debt incurred when I was out of state
03/19/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33312	Web
Account previously closed debt isnt accurate
10/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 331XX	Web
Dont have any Knowledge of this account!
09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27546	Web
i have no acknowledge of these accounts
04/08/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 33067	Web
this medical collection has been paid
07/26/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33612	Web
I have no knowledge of this charge.
10/18/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77407	Web
Debt is not mine
01/27/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90044	Web

01/26/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NH 032XX	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28262	Web

01/24/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92173	Web

01/22/2024	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32218	Web

01/19/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33060	Web

01/19/2024	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78229	Web

01/18/2024	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30736	Web

01/17/2024	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TN 376XX	Web

01/12/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77042	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70364	Web

01/11/2024	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 34105	Web

01/10/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NC 28227	Web

01/08/2024	No	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	FL 34772	Web

01/05/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33261	Phone

01/04/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28208	Web	Older American

01/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19604	Web

01/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19604	Web

01/02/2024	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	PA 16509	Web

12/31/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 231XX	Web

12/27/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48386	Web

12/27/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 32835	Web

12/23/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33176	Web

12/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23223	Web

12/20/2023	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TN 37601	Web	Servicemember

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78227	Web

12/18/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85209	Web

12/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11236	Web

12/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33615	Web

12/15/2023	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85054	Web

12/14/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30316	Web	Older American

12/10/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33409	Web

12/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94506	Web

12/08/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32811	Web

12/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29036	Web

12/02/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75154	Web

12/01/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77584	Web

11/29/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AZ 85028	Web

11/29/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29461	Web

11/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78578	Web	Servicemember

11/28/2023	Yes	Debt collection Medical debt	Electronic communications You told them to stop contacting you, but they keep trying	TX 77013	Web

11/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 75407	Web

11/21/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30296	Web	Older American

11/11/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NJ 07306	Web

11/10/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	OH 44106	Web

11/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32306	Web

11/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30088	Web

11/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 43201	Web

11/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29036	Web

10/26/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85382	Web

10/26/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32244	Web

10/25/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	SC 29483	Postal mail	Older American, Servicemember

10/25/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	VA 22802	Web

10/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32311	Web

10/24/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33125	Web

10/23/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 78741	Web

10/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 45215	Web

10/20/2023	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted your employer	NY 10573	Web

10/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75503	Web	Servicemember

10/20/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 31794	Web

10/17/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 75074	Web

10/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NC 28630	Postal mail

10/16/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23228	Web

10/12/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34957	Web

10/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70065	Web

10/09/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78258	Web

10/05/2023	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	FL 33317	Web

10/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30268	Web

10/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34741	Web

09/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30180	Web

09/23/2023	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	NE 68127	Web

09/22/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA 71270	Web

09/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 238XX	Web

09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34736	Web	Older American, Servicemember

09/14/2023	Yes	Debt collection Medical debt	Electronic communications You told them to stop contacting you, but they keep trying	FL 33716	Phone	Older American

09/13/2023	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	PA 17965	Phone

09/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CT 06511	Web

09/08/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 44483	Web

09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77021	Web

09/07/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11218	Web

09/06/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23223	Web

09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 35502	Web	Servicemember

09/04/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NY 11742	Web

08/30/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32811	Web

08/28/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44094	Web

08/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28215	Web

08/24/2023	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 33162	Web

08/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KS 66441	Web

08/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33625	Web

08/23/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32814	Web

08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33617	Web

08/19/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33916	Web

08/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32118	Web	Older American

08/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60618	Web

08/16/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NY 14226	Web

08/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23837	Web

08/14/2023	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted your employer	TX 79763	Web

08/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32222	Web

08/10/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 74003	Web

08/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30528	Web

08/05/2023	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 18103	Web

08/02/2023	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	MS 39402	Web

07/31/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30350	Web

07/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32218	Web

07/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32218	Web

07/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32218	Web

07/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32218	Web

07/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34639	Web

07/26/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 18510	Web

07/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93722	Web

07/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33020	Web

07/14/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76011	Web

07/14/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 79912	Phone	Older American, Servicemember

07/14/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 34205	Web

07/14/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32216	Web

07/12/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33830	Web

07/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60004	Web

07/11/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33625	Web

07/11/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85118	Web

07/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 18103	Web

07/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30263	Web

07/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30263	Web

07/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30096	Web

07/02/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AR 72703	Web

06/29/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75561	Web

06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43213	Web

06/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33880	Web

06/24/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33897	Web

06/23/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29414	Web

06/23/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 27105	Web

06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22312	Web

06/14/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 446XX	Web

06/12/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33830	Web

06/08/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	IN 46229	Web

06/07/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 19508	Web

06/07/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	OH 45240	Web

06/07/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 20747	Web

06/06/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07052	Web Referral

06/06/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 23464	Web

06/05/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77642	Web

06/02/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70122	Web

06/02/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70122	Web

06/01/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 45211	Web

06/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70582	Web

05/29/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28215	Web

05/28/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IA 50702	Web

05/27/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28713	Web

05/25/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 23234	Web

05/21/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78640	Web

05/21/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78640	Web

05/19/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85741	Web

05/18/2023	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	ND 58801	Web

05/18/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	IL 60712	Web

05/15/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29650	Web

05/12/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OK 74019	Web

05/12/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 23234	Web

05/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70043	Web

05/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 20724	Web

05/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30273	Web

05/09/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78626	Web

05/04/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78245	Phone

05/03/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 20910	Phone

05/03/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 45840	Web

05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77002	Web

04/30/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NY 10467	Web

04/27/2023	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 Was not notified of investigation status or results	TX 75104	Web

04/26/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75253	Web

04/26/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32444	Web

04/25/2023	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	AR 72703	Web

04/24/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 45215	Web

04/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CO 80503	Web

04/20/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 86426	Web

04/17/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 70582	Web

04/14/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	LA 70001	Web

04/13/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32750	Web

04/13/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70461	Web

04/11/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 32209	Web

04/06/2023	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 Was not notified of investigation status or results	NY 10940	Web

04/06/2023	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 Was not notified of investigation status or results	NY 10940	Web

04/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 45406	Web

04/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	LA 70817	Web

04/01/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30152	Web

03/29/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33713	Phone

03/29/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 70805	Phone

03/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	HI 96789	Web	Servicemember

03/27/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30016	Web

03/27/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 31064	Web

03/25/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 12903	Web	Servicemember

03/25/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CO 81122	Web	Servicemember

03/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30265	Web

03/23/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44139	Web

03/23/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30311	Web

03/23/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33543	Web

03/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30236	Phone	Servicemember

03/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30038	Web

03/20/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 36110	Postal mail

03/18/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32817	Web

03/18/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 34741	Web

03/16/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33487	Web

03/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33186	Web

03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33511	Web

03/07/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 24230	Web

03/07/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32839	Web

03/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75226	Web

03/01/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32301	Web

02/28/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 15301	Web

02/28/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33146	Web

02/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MS 39759	Web

02/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70118	Web

02/23/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29576	Phone	Older American

02/22/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78363	Web

02/22/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78363	Web

02/22/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78363	Web

02/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MS 39730	Web

02/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32712	Web

02/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77009	Web

02/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32254	Web

02/09/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	PA 17527	Web

02/09/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 19560	Web

02/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 18201	Web

02/06/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32177	Web

02/06/2023	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	FL XXXXX	Web

02/05/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 60202	Web

02/03/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77095	Web	Servicemember

01/31/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 23321	Web

01/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32055	Web

01/27/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70726	Web

01/26/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30328	Web

01/24/2023	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	OH 43528	Web

01/24/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	PA 18927	Web

01/23/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77095	Web

01/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22303	Web

01/23/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 32244	Web

01/19/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92553	Web

01/19/2023	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	LA 71129	Phone	Older American

01/19/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33314	Web

01/16/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CO 80210	Web

01/13/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75137	Web

01/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CO 80602	Web

01/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	HI 96734	Web	Servicemember

01/11/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75154	Web

01/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48193	Web

01/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 71105	Web

01/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL XXXXX	Web

01/05/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	OH 43232	Phone

12/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 77051	Web

12/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29645	Web

12/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29645	Web

12/26/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19114	Web

12/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30291	Web

12/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33706	Web

12/19/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 22201	Web

12/19/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 22201	Web

12/18/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	DC 20008	Web

12/16/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85020	Web

12/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32257	Web

12/12/2022	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	PA 19604	Web	Older American

12/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77090	Web	Servicemember

12/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 76247	Web

12/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30331	Web

12/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44504	Web

12/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 71405	Web

12/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30331	Web

12/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35023	Web

12/06/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19506	Web

12/06/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	PA 19605	Web

11/29/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 18052	Web

11/22/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76502	Web	Servicemember

11/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33179	Phone

11/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33463	Web

11/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77459	Web

11/15/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33573	Web

11/14/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44135	Web

11/04/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 31904	Web	Servicemember

11/01/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30305	Web

10/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23150	Web

10/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20746	Web

10/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33056	Web

10/14/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 76384	Phone

10/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 72301	Web

10/12/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77632	Web

10/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90006	Web

10/09/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AR 72143	Web	Servicemember

10/07/2022	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	AZ 85020	Web

10/05/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30474	Web

10/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77459	Web

09/30/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32301	Web

09/28/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19144	Web

09/23/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CT 06460	Web

09/20/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29611	Web

09/19/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78641	Web

09/19/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32828	Web

09/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 72335	Web

09/17/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32301	Web

09/16/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AR 72034	Web

09/15/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 79912	Web	Older American

09/13/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33509	Web

09/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48326	Web

09/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44137	Web

09/08/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32456	Web

09/08/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 23602	Web

09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 45014	Web

09/07/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 22015	Web

09/05/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30094	Web	Servicemember

09/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60156	Web

08/31/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MD 20650	Web

08/25/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 20712	Web

08/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	KY 42301	Web

08/17/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77407	Web

08/17/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77407	Web

08/16/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33181	Web

08/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30263	Web

08/07/2022	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	TX 77027	Web

08/06/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CO 80907	Web	Older American

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 Investigation took more than 30 days	TX 77014	Web

08/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 38305	Referral

08/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 31063	Web

08/02/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34746	Web

07/30/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29611	Web

07/29/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77066	Web

07/27/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60626	Web

07/20/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77545	Web

07/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	WV 25430	Web

07/05/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23851	Web

06/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MN 55104	Phone

06/22/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77469	Phone

06/21/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70113	Web

06/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 15108	Web

06/14/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32703	Web

06/14/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32703	Web

06/12/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33317	Web

06/10/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33172	Phone	Older American

06/08/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 23703	Web

06/07/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 79915	Web

06/06/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30349	Web

06/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 31063	Web

05/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75570	Phone	Servicemember

05/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32780	Web

05/10/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA 70131	Phone

05/09/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33139	Referral

05/03/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33160	Web

05/02/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30021	Web	Servicemember

05/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	VA 23838	Phone

04/29/2022	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33146	Web

04/28/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	SC 293XX	Web

04/27/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 18640	Web

04/26/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 337XX	Web	Older American

04/26/2022	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	PA 19145	Web

04/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33805	Web

04/22/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AR 71747	Web

04/22/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 44432	Web

04/22/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 34744	Web

04/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75094	Web

04/18/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32776	Web

04/18/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33566	Web

04/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33770	Web

04/13/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MS 39038	Phone	Servicemember

04/12/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34758	Web

04/11/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30080	Web

04/11/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 70520	Web

04/04/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75150	Web

04/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78572	Web

04/01/2022	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	FL 32854	Web

03/30/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77040	Web

03/28/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TN 37066	Web

03/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32818	Web

03/25/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 208XX	Web

03/15/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33026	Web	Older American, Servicemember

03/12/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 22203	Web

03/10/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34759	Web

03/08/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70471	Web

03/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33592	Web

02/26/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	117XX	Web	Older American, Servicemember

02/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20785	Web

02/22/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 11580	Web

02/17/2022	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	TN 38543	Phone	Older American

02/11/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23702	Web	Servicemember

02/08/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 44123	Phone

02/07/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	FL 32824	Web

02/04/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 21230	Web

02/04/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 22202	Web

01/27/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 20602	Web

01/17/2022	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	GA 30067	Web

01/15/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76014	Web

01/13/2022	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 33309	Web

12/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34741	Web

12/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32707	Web

12/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AL 35208	Web	Servicemember

12/10/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33467	Web

11/29/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33467	Web

11/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 45506	Web

11/24/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 76040	Web

11/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 22209	Referral

11/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33844	Web

11/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IN 46254	Web

11/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MS 39503	Web

11/02/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33409	Web

10/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33610	Web	Servicemember

10/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 45237	Web

10/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77433	Web

10/24/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78634	Web

10/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MS 39501	Web

10/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27893	Web

10/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 71801	Web

10/19/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33811	Web

10/17/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23508	Web

10/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77084	Web

10/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75001	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	GA 30132	Web

10/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31099	Web

10/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77449	Web

09/29/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75034	Web

09/29/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

09/28/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 10467	Web

09/28/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29673	Web

09/25/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33607	Web

09/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33324	Web

09/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32808	Web

09/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30474	Web

09/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30474	Web

09/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30474	Web

09/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20602	Web

09/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MS 39501	Web

09/10/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 71203	Web

09/10/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	SC 29697	Web

09/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77351	Web

09/02/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 73008	Web

08/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30341	Web

08/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MS 39501	Web

08/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34787	Web

08/27/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 64788	Web	Older American

08/26/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33309	Web	Servicemember

08/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MS 39503	Web

08/24/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44087	Web

08/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	SC 29680	Web

08/19/2021	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	GA 30813	Web	Servicemember

08/18/2021	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	FL 33417	Web

08/18/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 76002	Web

08/14/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 71343	Web

08/12/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29940	Web

08/10/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29625	Phone

08/04/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33713	Web

08/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30132	Web

08/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78538	Web

07/30/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 22734	Web

07/30/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33016	Web

07/29/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30453	Web

07/29/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20904	Web

07/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 333XX	Web

07/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33407	Web

07/22/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 43402	Web

07/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33401	Web

07/20/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VI 00851	Web

07/20/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 28376	Web

07/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30474	Web

07/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30474	Web

07/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 45417	Web

07/09/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 28306	Web

07/03/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 79907	Web

06/30/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31061	Web

06/30/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77373	Web

06/29/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31061	Web

06/29/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 45069	Web

06/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32277	Web

06/23/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33837	Web	Older American

06/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33169	Web

06/21/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 78046	Web

06/20/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IL 60601	Web

06/18/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33898	Web

06/17/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OH 45215	Phone

06/17/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23602	Web

06/17/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23602	Web

06/17/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23602	Web

06/17/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23602	Web

06/17/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23602	Web

06/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30132	Web

06/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75702	Web

06/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34744	Web

06/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33319	Web

06/14/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	KY 42445	Web

06/14/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70811	Web

06/08/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 43607	Web

06/07/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32829	Web

06/06/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 31808	Web

06/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 32819	Web

05/30/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TN 37128	Web

05/28/2021	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33759	Web

05/27/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29615	Referral

05/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33773	Web

05/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34116	Web

05/07/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	KY 42445	Web

05/06/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34741	Web

05/05/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 31220	Web

05/04/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	FL 34224	Web

04/29/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 28376	Web

04/27/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33023	Web

04/27/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32825	Web

04/26/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33445	Web

04/26/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 28376	Web

04/24/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32712	Web

04/24/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32712	Web

04/24/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32712	Web

04/23/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29651	Referral

04/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75287	Web

04/18/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32818	Web

04/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32839	Web

04/11/2021	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	MN 55379	Web

04/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76119	Web

04/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07960	Web

03/31/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85749	Web

03/27/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32825	Web

03/23/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75633	Web

03/19/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IN 46260	Web

03/15/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 78541	Web

03/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 43608	Web

03/13/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78681	Web

03/08/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78681	Web

03/08/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78681	Web

03/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33317	Web

03/01/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34744	Web

02/21/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32818	Web

02/21/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32808	Web

02/21/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32818	Web

02/19/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44485	Web

02/18/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32810	Web

02/17/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30328	Web

02/17/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33578	Web

02/16/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MI 48224	Phone	Older American

02/12/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32750	Web

02/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34683	Web

02/12/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33175	Web

02/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33884	Web

02/06/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA 30134	Web

02/04/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32277	Web

02/04/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33182	Postal mail

02/04/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32835	Web

02/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30328	Web

01/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33417	Web

01/31/2021	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	TX 75249	Web

01/30/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

01/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32822	Web

01/27/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft		Phone

01/21/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32096	Web

01/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30117	Phone

01/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33579	Web

01/12/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78416	Web

01/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30016	Web

01/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23063	Web

01/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 45255	Web

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	GA 30016	Phone

12/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76120	Web

12/21/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32839	Web

12/21/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78046	Web

12/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34951	Web	Older American

12/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 33076	Web

12/14/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 45503	Web

12/10/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70068	Fax

12/10/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 15106	Fax

12/09/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OK 73083	Web

12/07/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33776	Web

12/04/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77429	Web

12/03/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33351	Web

12/03/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07712	Fax

12/01/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07753	Fax

11/24/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 10312	Web

11/21/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30324	Web	Servicemember

11/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70767	Web

11/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33056	Web

11/18/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07701	Fax

11/17/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33572	Fax

11/17/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	XXXXX	Web	Servicemember

11/15/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33432	Web

11/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11385	Fax

11/12/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33579	Phone

11/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 31907	Web

11/11/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78372	Web

11/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 78537	Web

11/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33417	Phone	Older American, Servicemember

11/06/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29102	Fax

11/05/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 08724	Fax

11/03/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07724	Fax

11/02/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33334	Web

10/29/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	PA 18103	Web

10/28/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34772	Fax

10/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30620	Web

10/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30620	Web

10/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30620	Web

10/23/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30058	Web

10/21/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80012	Web

10/21/2020	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 32832	Web

10/20/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33772	Web

10/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78212	Web

10/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30529	Web

10/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32808	Web

10/09/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33738	Postal mail

09/28/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33165	Web

09/26/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	SC 29697	Web

09/22/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	FL 32712	Fax

09/21/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29689	Referral

09/18/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33060	Fax

09/17/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34479	Web

09/12/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30312	Web	Servicemember

09/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33150	Web

09/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33150	Web

09/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30046	Web

08/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 31794	Web

08/25/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NC XXXXX	Web

08/23/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	KY 41001	Web

08/23/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33411	Web

08/19/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 45011	Web	Servicemember

08/17/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 44052	Web

08/12/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

08/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33634	Web

08/05/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32277	Fax

08/02/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30324	Web

07/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33437	Web

07/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33311	Web

07/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33312	Web

07/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30024	Web

07/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33023	Web

07/25/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AZ 85042	Web

07/21/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OK 74063	Web	Older American, Servicemember

07/21/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33407	Web

07/20/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77640	Phone	Older American

07/16/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 45243	Web

07/13/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 10454	Fax

07/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32905	Web

07/02/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33063	Web

06/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33311	Web

06/27/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 32818	Web

06/25/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32792	Web

06/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34994	Web

06/20/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33024	Web

06/19/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33064	Web

06/18/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33020	Web

06/15/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93561	Web

06/13/2020	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33323	Web

06/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76209	Web

06/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30117	Web

06/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33682	Web

06/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33311	Web

06/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33414	Web

06/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30013	Web

06/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33014	Web

06/05/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33168	Web

06/04/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33936	Referral

06/03/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA 70817	Referral

06/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33161	Web

05/30/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33056	Web

05/30/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77449	Web

05/30/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77449	Web

05/30/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77449	Web

05/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33304	Web

05/20/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 75287	Web	Older American

05/18/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	OH 45239	Web

05/18/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 93065	Phone

05/15/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OH 43607	Web

05/15/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33410	Web

05/14/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33020	Web

05/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33321	Web

05/08/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33432	Web

05/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33317	Web

05/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33317	Web

04/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33311	Web

04/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33067	Fax

04/18/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33614	Web

04/10/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33313	Web

04/09/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	KY 427XX	Web	Servicemember

04/05/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30535	Web

03/24/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid		Phone

03/11/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

03/02/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78613	Web

02/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33579	Web

02/26/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32714	Web

02/26/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt		Phone

02/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	FL 33477	Web

02/19/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34744	Web

02/14/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32114	Web

02/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

01/31/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32216	Web	Servicemember

01/31/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33473	Web

01/31/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33473	Web

01/22/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33437	Web

01/17/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11420	Web

01/16/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 34956	Web

01/13/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34741	Web

01/09/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32960	Web

12/16/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33496	Phone	Older American

12/16/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32819	Web

12/06/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19541	Web

12/02/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33161	Web

11/28/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33563	Web

11/23/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33314	Web

11/23/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33324	Web	Servicemember

11/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33467	Web

11/18/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33014	Web

11/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33063	Postal mail

11/15/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33147	Web

11/11/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75376	Web

10/28/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33418	Web

10/27/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33141	Web

10/24/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32177	Web

10/23/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32081	Web

10/20/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33715	Web

10/16/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33312	Web

10/14/2019	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 32305	Web

10/04/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

10/04/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

10/02/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33647	Web

09/27/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32732	Web	Servicemember

09/25/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33327	Web

09/25/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32966	Web

09/24/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33624	Web	Servicemember

09/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32907	Web

09/19/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 18346	Web

09/19/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 18346	Web

09/19/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 18346	Web

09/19/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 18346	Web

09/19/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 45503	Phone

09/19/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 18346	Web

09/14/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33015	Web

09/14/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32824	Web

09/11/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33460	Phone

09/08/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NC 28326	Web

08/26/2019	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls		Phone

08/24/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MO 63353	Web

08/23/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33130	Web

08/22/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 91942	Web

08/20/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt		Phone

08/20/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33615	Web

08/15/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30114	Web

08/15/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33602	Web

08/15/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85607	Web

08/12/2019	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	PA 18104	Web

08/08/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33411	Web

08/08/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30907	Web

08/06/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75603	Phone

07/19/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29626	Web

07/19/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33884	Web

07/19/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 45875	Web

07/18/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31757	Web

07/13/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 31757	Web

06/26/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32824	Web

06/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 18031	Web

06/20/2019	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 33470	Web

06/20/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77433	Phone

06/20/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 45880	Web

06/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29203	Web

06/19/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29223	Web

06/11/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32809	Web

05/29/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08753	Fax

05/28/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	SC 29483	Web

05/24/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PR 00953	Phone	Servicemember

05/22/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 18049	Web

05/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34787	Web

05/21/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33068	Web

05/15/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32828	Web

05/14/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77478	Referral

05/06/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29229	Web

04/09/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34956	Web

04/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32244	Web

03/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32244	Web

03/22/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TN 37339	Web

03/15/2019	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 28086	Web

03/05/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34475	Web

03/01/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

03/01/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

02/28/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11226	Web

02/26/2019	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	FL 33852	Web	Servicemember

02/26/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33407	Web

02/26/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77571	Web

02/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33610	Web

02/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33610	Web

02/20/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	UT 84737	Web

02/15/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32828	Web

02/12/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77067	Web

02/08/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08005	Web

02/07/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33543	Web

02/04/2019	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 75801	Web

02/02/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30016	Web

01/30/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 34653	Phone

01/28/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid		Phone	Servicemember

01/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33760	Web

01/14/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33511	Web

01/14/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33511	Web

01/09/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 35115	Web

01/05/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AL 35120	Web

12/27/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NV 89108	Postal mail

12/21/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38108	Web

12/11/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77028	Web

12/07/2018	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 33076	Web

11/27/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77477	Web	Older American

11/24/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CO 80215	Web

11/20/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30014	Web

11/19/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MD 20878	Phone

11/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32832	Web

11/06/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 18109	Web

10/31/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32828	Web

10/28/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33813	Web

09/26/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33125	Web

09/20/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 78711	Web

09/19/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	LA 71326	Web

09/14/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34488	Web

09/13/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32738	Web

09/12/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78230	Web

08/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 53218	Postal mail

08/27/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 32701	Web

08/25/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 32828	Web

07/25/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 45247	Web

07/10/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 45219	Web

06/11/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	PA 17702	Web

06/10/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 18018	Web

06/07/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AL 35243	Web	Older American

06/07/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 62521	Web

06/07/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 62521	Web

05/24/2018	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 77381	Web	Servicemember

05/19/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75071	Web

05/18/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75203	Web	Servicemember

05/08/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 11714	Postal mail

05/04/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78247	Web

04/30/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32064	Web

04/30/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt		Phone

04/17/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77044	Fax

04/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78238	Web

04/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 08724	Fax

04/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 10457	Fax

04/09/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31216	Web

03/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33461	Fax

03/14/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34205	Referral

03/12/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77584	Web

03/12/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32738	Web

03/12/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 44053	Web

03/05/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 27604	Web

03/02/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 27604	Web

03/01/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32738	Web

02/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	SC 29223	Web	Servicemember

02/06/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 27265	Web

02/02/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33617	Web

02/02/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33617	Web

02/02/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90048	Web

02/01/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32277	Web	Servicemember

02/01/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30012	Web

01/31/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NM 87114	Web

01/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 63138	Web

01/17/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77340	Web

01/08/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34759	Web

01/08/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34759	Web

01/08/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34759	Web

12/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89141	Phone

12/26/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29410	Web

12/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 64870	Web

12/12/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89148	Web

12/11/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33056	Web

12/11/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33056	Web

12/09/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32738	Web

12/06/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MI 48089	Web

11/21/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77084	Web

11/18/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 07753	Web

11/08/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33056	Web

11/06/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32795	Web

10/27/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33067	Web	Servicemember

10/20/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11238	Fax

10/17/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AL 35064	Web

09/06/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

09/01/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 32708	Web	Servicemember

08/22/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 33625	Web

08/22/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07701	Postal mail

08/13/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60653	Web

08/10/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 91335	Postal mail

08/10/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33545	Web

07/31/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 32701	Web

07/19/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34472	Web

07/11/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32825	Web

07/10/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33304	Web

07/09/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MI 48062	Web

07/09/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 34231	Web

07/07/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AE 09123	Web	Servicemember

07/05/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30296	Web

06/30/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33511	Web

06/27/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MI 48180	Web

06/26/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MI 48217	Web

06/20/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AL 35160	Web

06/01/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33541	Web

05/28/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32811	Web

05/26/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IN 46260	Postal mail

05/23/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 71270	Web

05/22/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

05/16/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 28398	Web

04/27/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 45212	Web

04/20/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75686	Web

04/20/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TN 37865	Web	Older American

04/19/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	RI 29436	Web

04/18/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	FL 33602	Phone

04/17/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33177	Web

04/13/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33713	Web

04/12/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 34222	Web

03/30/2017	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	LA 71435	Web

03/21/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TN 75569	Web

03/16/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 08736	Web

03/07/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	AZ 85395	Web	Older American, Servicemember

03/03/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30188	Phone	Older American, Servicemember

02/28/2017	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	CO 80229	Web

02/06/2017	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	FL 33132	Web	Older American

02/05/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	WA 98223	Web

02/01/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 77389	Web

01/31/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IL 60044	Web

01/13/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33425	Web

01/09/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NY 14850	Web

12/28/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MO 63077	Phone	Servicemember

12/23/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NY 13069	Web

12/19/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MI 48141	Web

12/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11225	Postal mail

12/12/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 34479	Web

12/06/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TN 37027	Web

11/23/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32837	Web

10/24/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 77205	Web

10/21/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32960	Web

10/11/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	TX 77072	Web

10/09/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 34769	Web

10/03/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 33114	Postal mail

10/03/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	GA 30017	Web

09/28/2016	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	FL 34606	Web

09/23/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CA 93065	Web

09/23/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 24112	Web

09/19/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33704	Web

09/10/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	MD 20852	Web

08/29/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33647	Web

08/19/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33602	Web

08/02/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 31721	Web

07/21/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	MI 48134	Web

07/21/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IL 60661	Referral

07/20/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33605	Postal mail

06/14/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	SC 29229	Web	Servicemember

06/10/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 77056	Phone

06/08/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 75407	Phone

06/08/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 34746	Postal mail

06/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	SC 29010	Web

05/28/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 75115	Web

05/09/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	GA 31548	Phone	Servicemember

05/03/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32792	Web

04/27/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32839	Web

04/21/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 34758	Web

04/21/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NV 89031	Referral

04/19/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32818	Web

04/13/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 33130	Postal mail

04/05/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32829	Web

03/29/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	MD 21207	Web	Servicemember

03/28/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	FL 32085	Web	Older American, Servicemember

03/10/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	AL 35022	Web	Servicemember

02/24/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 44106	Web

02/05/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CA 95207	Web	Servicemember

01/21/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	LA 70461	Web

01/13/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 77082	Web

12/10/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 34744	Web

12/09/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NC 27537	Web

12/02/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	GA 30240	Web

11/27/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30009	Web

11/17/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 34758	Web

10/17/2015	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	LA 70065	Web

08/20/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77388	Web

08/14/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	GA 30067	Phone

08/12/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 77494	Phone

08/05/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77048	Web

08/04/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33169	Web

07/31/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 32828	Web	Servicemember

07/27/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NJ 08514	Web

07/24/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33705	Web

07/09/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 77071	Web

07/06/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	DC 20017	Phone

06/25/2015	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	FL 33679	Web	Older American

06/25/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	AL 36207	Phone

06/24/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 31714	Web

06/24/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	FL 33556	Web

06/24/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TN 37087	Web

06/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 31029	Referral

05/27/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 32839	Referral

05/22/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33603	Web

05/04/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MI 48033	Web

04/28/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32825	Web

04/12/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TN 37013	Web

03/23/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33132	Web

03/16/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 44223	Web

03/14/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	FL 33319	Web	Older American

03/06/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	OK 73005	Web

02/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	OH 44017	Web

02/24/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MI 48141	Web	Older American, Servicemember

02/24/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77662	Web

02/17/2015	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	FL 33432	Web

02/04/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OH 44023	Web

01/31/2015	Yes	Debt collection Medical	Communication tactics Called after sent written cease of comm	NY 14213	Web	Older American

01/25/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CO 80524	Web

01/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	GA 30329	Web	Servicemember

01/19/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MT 59715	Web

01/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 94061	Web

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

01/03/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37211	Web

12/31/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77034	Web

12/31/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77354	Web

12/30/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77389	Web

12/30/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77535	Web

12/18/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	PA 17702	Web

12/18/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33020	Web

12/06/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	AZ 85614	Web	Older American

12/05/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 77049	Web

11/22/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33149	Web	Older American

11/12/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	OH 44070	Web

11/07/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	WA 98223	Web

11/05/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	VA 23601	Web	Servicemember

11/03/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77382	Web

10/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	WA 98501	Web	Servicemember

10/19/2014	Yes	Debt collection Medical	Taking/threatening an illegal action Threatened to sue on too old debt	IN 46205	Web

10/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33905	Web

09/26/2014	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	FL 33702	Web

09/26/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33702	Web

09/26/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 95124	Web

09/25/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CT 06112	Web

09/22/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	NC 28901	Postal mail	Older American

09/09/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 23228	Web

08/26/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 77015	Web

08/25/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OR 97225	Phone	Older American

08/22/2014	Yes	Credit reporting	Incorrect information on credit report Reinserted previously deleted info	FL 33549	Web

08/19/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	LA 70122	Web

08/18/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 33608	Web	Servicemember

08/12/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 77373	Web

08/08/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 07712	Web

07/26/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 44805	Web

07/24/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	VA 23075	Phone

07/16/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 33774	Phone

07/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 94061	Web

07/07/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH 44334	Referral

06/24/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	FL 33763	Web	Older American

06/19/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 93906	Web	Servicemember

06/13/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	LA 70802	Web

06/04/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 95150	Web

05/30/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NJ 07753	Web

05/28/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	AL 35080	Web

05/16/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33181	Phone	Older American

04/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 95111	Phone

04/23/2014	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	CA 93063	Web

03/31/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NY 13205	Web

03/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 33180	Referral

03/06/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 45601	Web

03/05/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	WA 98597	Web

02/28/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	VA 23229	Referral

02/23/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NV 89015	Web

02/17/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OK 74801	Web

02/05/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	IL 60067	Referral

01/27/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30656	Web

01/23/2014	Yes	Debt collection Medical	Communication tactics Called after sent written cease of comm	NV 89030	Web

01/13/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	FL 34698	Web

01/04/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	MI 48335	Web

12/30/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	GA 31599	Referral

12/25/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 34608	Web

12/22/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	VA 23005	Web

12/17/2013	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NV 89014	Web

12/14/2013	Yes	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	FL 33319	Web

12/12/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33704	Web

12/11/2013	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 33618	Web

12/03/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CO 80237	Web

11/14/2013	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OK 73118	Postal mail

10/31/2013	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	FL 33624	Web

10/23/2013	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	AL 35209	Phone	Servicemember

10/21/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	LA 70543	Web

07/31/2013	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 91307	Web	Older American, Servicemember

07/21/2013	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	TX 77043	Web