| 10/18/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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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 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.
1. CHARLESTON AREA MED CNTR CER bal. {$1400.00} 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
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| 04/10/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This complaint is in regards to XXXX XXXX XXXX Account Number XXXX for {$200.00}, Account Number XXXX for {$100.00}, Account Number XXXX for {$30.00}, Account Number XXXX for {$84.00}, Account Number XXXX for {$30.00}, Account Number XXXX for {$94.00} and Account Number XXXX for {$130.00}. These are medical bills stemming from a car accident I was in sometime in XX/XX/2008 I believe it was where I was not at fault, at all. I received XXXX and XXXX therapy at XXXX XXXX - a facility in XXXX, OH and consultation with an alternative medicine practitioner in WV. All of the previous bills for this treatment were sent to the at fault party 's insurance company from that car accident who agreed to pay these bills and did pay all the previous bills resulting from this accident. I wasn't at fault in that wreck, I never agreed in writing or verbally to pay these bills nor ever did pay any bills stemming from this wreck and I'm not going to start now. I originally intended to include these medical bills in a bankruptcy I'd planned to file but upon learning that the major debt I had needed to file on was no longer held against me due to the statute of limitations I no longer need to file for bankruptcy and would like these medical bills removed from my credit immediately. If not immediately removed my next step will be to take legal action against the collection agencies for the harm they are now causing my credit. They need to go and bill the insurance company that paid all the other bills and get off the working man 's back.
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| 08/30/2021 |
Yes |
- Debt collection
- Medical debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I XXXX XXXX is the Original creditor. Pursuant to 15 usc 1692 a ( 4 ) No corporation can validate a debt. Also debt means any obligation or alleged obligation pursuant to 15 usc 1692 a ( 5 ). I am sending in a copy of the letters being sent to my place of abode. In these letters I have marked each violation for review. Please see the attached copies. I have tried resolving this with the collection agencies in which they keep saying this alleged debt is validated. Again how can you validate something you was not there for. Only I the original creditor can validate this alleged Debt. I XXXX XXXX DO NOT validate this debt. I will be filing a complaint with the XXXX as well as the attorney general. I do also plan to contact the media and release the information in regards to me being the consumer and natural person and my consumer rights as listed by Congress.
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| 10/20/2020 |
No |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Healthcare Financial is showing up on my credit report so I gave them a call. I paid one amount that was on my report on XX/XX/2020. The woman said I had other debt. I said I had not received any notification of any debt and would like to see something in the mail or set up payment arrangements. She disregarded what I said and never attempted to help me. My ex husband and I are divorced. I was a XXXX XXXX XXXX XXXX and our children were under his insurance since he was employed. Instead of trying to help me, she went and out and something else on my credit report and I received notification from a credit monitoring service. I have not once received anything in the mail from them. I am divorced and moved and she did not ask about my new address or seem to care. Furthermore, I am not liable for these medical bills, my ex husband is.
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| 06/21/2021 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Older American |
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I am XXXX and was waiting for XXXX to pay their part on the medical bills so I got behind on my bills. I wanted to pay off the bills so I called and was charged XXXX this was on XX/XX/XXXX. This was the total I owed so I paid it.
Got a letter XX/XX/XXXX, saying I was behind on a bill fro XXXX so I paid it.
Now come to find out that bill was from XXXX XXXX, and had been paid in the XXXX I paid and now they will not return my money.
The billing office is hateful and condescending and just try and make you mad..They don't know what they are doing and get paid for that They transfer me from one agent to the next al the while saying smart and hateful things.
One office blames the clinic the clinic blames the billing office.
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| 02/23/2019 |
No |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Good day, I have tried to get a medical collection that is not mine removed from my XXXX credit report. It is from Healthcare Financial Services an entity that I do not have a contract with, nor have I ever had a contract with. This collection has not appeared on any other credit bureau, nor have I ever heard of this Doctors name or remember ever going to the ER around that time. Then I tried to call and advise I do not owe that collection with the company they state for me to pay it or file a complaint with the credit bureau. When I try to file a complaint with XXXX they stated Ive already disputed it and didnt provide the right information and now I cant re-dispute it.
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| 06/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I checked my credit report today and a company, Healthcare Financial Services, has reported to the credit bureaus that I have an outstanding balance on a medical debt in the amount of {$1500.00}, which was reported on XX/XX/2018.
I remember paying this debt and checked my credit card statement, which reflects payment was made on XX/XX/2018 in the amount of {$1500.00}.
I contacted Healthcare Financial Services and just reach their voicemail. They have not responded to my inquiries.
Contact information for Healthcare Financial Services is as follows : Healthcare Financial Services XXXX XXXX XXXX XXXX.
XXXX, WV XXXX XXXX : XXXX.
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| 01/28/2021 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Health Care Financial Services has summitted a balance of {$830.00} on my Credit Report. I have never had an account with them nor have I signed any documents, contracts or agreements with them. I disputed the claim several times according to the Fair Credit Reporting act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Health Care Financial Services sent me a copy of my signature on another company 's contract.
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| 08/19/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I have a collection action on my credit report that is not my debt, this action was started by Healthcare Financial Services on behalf of XXXX XXXX XXXX XXXX.This debt is not mine and should have been paid by my companies workers compensation provider, XXXX.I spoke with both companies on XX/XX/2019 and the collection agency had the wrong account number, I advised the company of the correct account number and was assured that they would correct the problem.
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| 03/03/2020 |
No |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Older American, Servicemember |
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Charleston Area Medical Center, sent me a MEDICAL BILL, for XX/XX/XXXX, for : {$860.00}. But I contacted XXXX VA, ( spoke with XXXX today, XX/XX/XXXX ), that works there, & he told me MR. XXXX, YOU ONLY OWE {$19.00} ... TOTAL!!
I ask XXXX from XXXX VA, WHY? FOLKS LIKE THIS DO THIS..? XXXX TOLD ME THIS IS FRAUD!! Because they are trying to collect the WRONG AMOUNT, on your Wife 's Bill.
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| 04/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX certified to XXXX a collection account that was not mine. this is fraud. they collected my personal insurance information at the time of service, refused to bill them and then sent me to collections with no notification. This is a direct violation of the FCRA. XXXX and XXXX are allowing them to do it.
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| 12/07/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX, 2017 I sent a certified letter to the company asking for them to validate the alleged debt. Company did not respond, or send any proof of alleged debt. They still continue to report to the credit bureaus without validating alleged debt.
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| 03/13/2017 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Older American |
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There is a {$1.00} charge on my credit report. I contacted Health Care Financial XXXX ans was informed they do not have balance of {$1.00} on any of my accounts with them. All accounts were paid off in XX/XX/2016.
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| 11/19/2017 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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This is not my account possibly identity theft
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| 08/09/2023 |
No |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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| 06/21/2023 |
No |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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| 05/05/2023 |
No |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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| 06/12/2022 |
No |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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| 01/16/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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| 11/04/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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| 11/04/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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| 11/04/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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| 11/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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|
| 11/04/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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| 11/04/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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| 10/18/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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| 10/18/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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| 10/18/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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| 10/18/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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|
| 10/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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| 10/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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| 05/09/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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| 08/19/2017 |
No |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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| 10/30/2016 |
Yes |
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- Improper contact or sharing of info
- Contacted me after I asked not to
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Web |
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| 12/28/2014 |
No |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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| 12/19/2013 |
No |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Referral |
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