Choice Recovery, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/11/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33409	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. CHOICE RECOVERY INC bal. {$44.00} 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- The 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
12/10/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30253	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. CHOICE RECOVERY INC XXXX XXXX {$670.00} 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 with 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 identity theft reports 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
04/22/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29045	Web
I was a patient at XXXX XXXX in XXXX SC. I was seen numerous times before my XXXX was scheduled. It is XXXX XXXX policy that all payment is due before or at time of service. On the day of my XXXX I was given a form to sign stating everything in detail that I owe. I was given a statement of what my insurance was paying and also told that insurance was not a guarantee of payment. However in this case my insurance paid EVERYTHING 100 % that was told and documented to XXXX XXXX. Of particular interest on the copay line for their XXXX center it was listed as XXXX. As I do not have a deductible or copayment with my insurance unless I am using is called an ambulatory XXXX center. As it is not often one has to have XXXX and I am not in the medical field to know the medical jargon. I rely on the patient assistance/financial assistance, and what is written on paper to make my financial decisions as to the place of medical treatment. The last appointment before my XXXX I was asked as to my preference to use XXXX XXXX center or an affiliated hospital. I advised whatever would be the most affordable option. In my case with my particular situation I would only have been responsible for a small portion of the bill had I used an affiliated hospital. However as you can see on their website they state their center usually saves insurance companies hundreds of dollars and it is clearly advocated to use their XXXX center. After reviewing the document and signing before my XXXX I was told my copay for this facility in which the XXXX was performed would be XXXX. This is a simple oversight on XXXX XXXX. I was told I was paid in full less than a week later. To verify I logged into XXXX XXXX online payment portal to verify I had a zero balance. A month later I received a bill for {$480.00}. As soon as time permitted I called and spoke with the head of the financial department and she said she was unsure why I had a balance of that amount. She also said she would send me all the transcripts of my payment history. A week or so later I received a huge stack of letters not showing a simple account ledger and payment form but pages of insurance codes payments from my insurance company subtractions from my insurance company, subtractions from XXXX XXXX, sporadic listings of my personal payments via their online portal and payments made to the actual XXXX center. As I am not a medical worker or involved in any type of medical coding I could not make any since of what I had received in the mail. I called back to speak with XXXX XXXX and she advised me to call my insurance company and ask a patient advocate. After waiting for my insurance company to get back to me about another month later at this point they told me everything had been paid. I owed a XXXX copayment for using their ambulatory XXXX center instead of using one of my local hospitals affiliated with XXXX XXXX. At this point I called back and spoke with XXXX XXXX and I explained the situation. This is when I was informed that they have two billing systems so some people may had told me my balance was XXXX because their system is not affiliated with their own XXXX centers billing system. She advised me I could make a payment arrangement and I advised her I would call her back within the week as I would need time to figure out where to acquire this unexpected money that I had not budgeted because I had been told numerous times my balance was paid in FULL. Less than a week later I called the billing department to make a payment arrangement and was informed my bill had been sent to collections. I asked if I could still pay them and I was abruptly cut off by a resounding NO. I then asked to speak with XXXX XXXX, head of billing and I was not able to get through. I then called back and left a voicemail with no return. I called and left another voicemail and again no return call. I do not find it fair that I have to pay an excessive amount of money because I was misinformed, not once but many times, by many people, and via their own payment portal. With this being said, when I spoke with XXXX XXXX, I did not dispute the charge. She said she would absolutely allow me to make a payment arrangement. Now I am receiving letters from Choice Recovery , Inc., a collection agency. If arrangements can not be make to have this removed from this credit agency and an arrangement to make payments to XXXX XXXX I will pursue every option I have available including seeking legal advice. {$500.00} may seem a small amount to hire a lawyer over, however if my credit is adversely affected I will use every agency, and legal authority at my disposal. I have already filed a complaint with several agencies, including the XXXX XXXX for XXXX XXXX XXXX your organization is part of, as well as our states Attorney General XXXX XXXX, the XXXX XXXX XXXX. If an arrangement can not be made between myself and XXXX XXXX for me to make payments on this bill with 100 % excluding this collection agency and no adverse action on my credit report. I will take legal action, and as part of that action it will include damages.
12/19/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 322XX	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHOICE RECOVERY INC. 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. This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX
06/03/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	OH 43147	Web
CHOICE RECOVERY I need to see documentation that CHOICE RECOVERY has my signature that authorizes them to even have a copy of my medical records. I do not wish to do business with they company concerning my Medical debt and they can return my records back to the Dr Office this is a HIPPA ACT violation. I understand that a contract exists between me and the 1st party, but what obligation do I have at all to these ever changing array of 3rd parties? I have never heard of them, have no written contract with them and never received any benefit from them. I do not see them being in compliance with basic standard of OHIO LAW XXXX As used in this section, " collection agency '' means any person who, for compensation, contingent or otherwise, or for other valuable consideration, offers services to collect an alleged debt asserted to be owed to another. ( XXXX ) " Collection agency '' does not mean a person whose collection activities are confined to and directly related to the operation of another business, including, but not limited to, the following : XXXX Any bank, including the trust department of a bank, trust company, savings and loan association, savings bank, credit union, or fiduciary as defined in section XXXX of the Revised Code, except those that own or operate a collection agency XXXX Any real estate broker or real estate salesperson, as defined in section XXXX of the Revised Code XXXX Any retail seller collecting its own accounts XXXX Any insurance company authorized to do business in this state under Title XXXX of the Revised Code or a health insuring corporation authorized to operate in this state under Chapter XXXX of the Revised Code ( XXXX ) Any public officer or judicial officer acting under order of a court XXXX Any licensee as defined either in section XXXX or XXXX of the Revised Code, or any registrant as defined in section XXXX of the Revised Code XXXX Any public utility XXXX Any person registered to sell interment rights under section XXXX of the Revised Code.XXXX ) A collection agency with a place of business in this state may take assignment of another person 's accounts, bills, or other evidences of indebtedness in its own name for the purpose of billing, collecting, or filing suit in its own name as the real party in interest. XXXX No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : XXXX XXXX XXXX The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency. ( XXXX XXXX The collection agency did not require the assignment as a condition to listing theaccount, bill, or other evidence of indebtedness with the collection agency for collection. ( XXXX ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. ( XXXX ) Upon the effective date of the assignment to the collection agency, the creditor 's account maintained by the collection agency in connection with the assigned account, bill, or other.
02/26/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 45431	Web	Older American, Servicemember
To : CHOICE RECOVERY INC. From : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, OH XXXX Wednesday, XX/XX/2020 You are hereby notified under the provisions of Public Laws 95-109 and 99-361, also known as the Fair Debt Collection Practices Act, that your services are no longer needed or desired in this matter. 1 ) You and your organization must CEAST & DESIST all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and this state Attorney General 's Office. I will pursue all criminal and civil claims against your company. 2 ) Let this letter also serve as your warning that I may utilize telephone-recording devices in order to document any telephone conversations that we may have in the future. 3 ) Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by law. Since it is my policy neither to recognize nor deal with collection agencies, I intend to settle my account with the original creditor, if I ever am able and the statute of limitations hasn't run out. CHOICE RECOVERY INC. has violated the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681 - 609-611 CHOICE RECOVERY INC. has violated the Fair Debt Collection Practions Act ( FDCPA ) : 809. Validation of debts ( a ) Notice of debt, contents Within 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 -- ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section 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, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. CHOICE RECOVERY INC. did in fact place a negative item on my credit report in the amount of {$40.00} without sending a debt validation letter with the proper 30 day time frame by law to disbute the debt and in fact the negative item was already on my credit report before reciving any communication - violating both the Fair Debt Collection Practices ACT ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). CHOICE RECOVERY MUST remove immediately fron all credit bureaus including XXXX, XXXX & XXXX said negative item or face this violation of the law being reported to the Federal Trade Comission ( FTC ). I expect your immediate compliance. XXXX XXXX XXXX
10/28/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43229	Web
I need to see documentation that CHOICE RECOVERY has my signature that authorizes them to even have a copy of my medical records. I do not wish to do business with the company concerning my Medical debt and they can return my records back to the Dr Office this is a HIPPA ACT violation. I understand that a contract exists between me and the 1st party, but what obligation do I have at all to these ever changing array of 3rd parties? I have never heard of them, have no written contract with them and never received any benefit from them. I do not see them being in compliance with basic standard of OHIO LAW 1319.12 TAKING ASSIGNMENT OF DEBT ( A ) ( 1 ) As used in this section, " collection agency '' means any person who, for compensation, contingent or otherwise, or for other valuable consideration, offers services to collect an alleged debt asserted to be owed to another. ( 2 ) " Collection agency '' does not mean a person whose collection activities are confined to and directly related to the operation of another business, including, but not limited to, the following : ( a ) Any bank, including the trust department of a bank, trust company, savings and loan association, savings bank, credit union, or fiduciary as defined in section 5815.04 of the Revised Code, except those that own or operate a collection agency ( b ) Any real estate broker or real estate salesperson, as defined in section 4735.01 of the Revised Code ( c ) Any retail seller collecting its own accounts ( d ) Any insurance company authorized to do business in this state under Title XXXIX of the Revised Code or a health insuring corporation authorized to operate in this state under Chapter 1751. of the Revised Code ( e ) Any public officer or judicial officer acting under order of a court ( f ) Any licensee as defined either in section 1321.01 or 1321.71 of the Revised Code, or any registrant as defined in section 1321.51 of the Revised Code ( g ) Any public utility ( h ) Any person registered to sell interment rights under section 4767.031 of the Revised Code. ( B ) A collection agency with a place of business in this state may take assignment of another person 's accounts, bills, or other evidences of indebtedness in its own name for the purpose of billing, collecting, or filing suit in its own name as the real party in interest. ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency. ( 2 ) The collection agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection. ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness.
02/25/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 34684	Web
To Whom It May Concern : Be advised this is not a refusal to pay, but a 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. 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. 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. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX 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 or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am 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. 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. 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 legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for CHOICE RECOVERY INC in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above 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. Please allow 30 days for processing after I receive this information back. XXXX XXXX
02/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 336XX	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX CHOICE RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) 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 vAriginal 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
06/23/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32207	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 : CHOICE RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, OH 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
09/06/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 802XX	Web
There are currently 2 accounts placed in collection on my credit report by XXXX XXXX XXXX ( one for {$2400.00} and another for {$840.00} ) with original creditor XXXX XXXX XXXX. I would like to explain my situation and bring to your notice that firstly, these are not 'debt accounts ' and secondly, have been improperly forced upon me by the original creditor and subsequent debt collector. Timeline and explanation : I was enrolled in an XXXX program with XXXX XXXX XXXX paying my term fees out of pocket ( not a student loan or private debt ) > On XX/XX/XXXX - I was faced with a personal family emergency and I duly informed the school of my urgent and unforeseen situation requiring me to leave the country immediately and unable to continue my studies there. My fees for the current semester were already paid in FULL and an upcoming semester was starting in a few months. The admissions office was helpful and provided me with a few forms to fill to arrange my departure. After I filled these, they confirmed me that everything was complete and I was good to go. I then proceeded to leave the country to tend for my family. I have attached a screenshot of my last email dated on XX/XX/XXXX confirming that everything was processed and NO further action was needed from me AND another email screenshot dated XX/XX/XXXX where the admissions official responded that the withdrawal was processed successfully. > On XX/XX/XXXX - A very rude lady named XXXX from the business office of XXXX XXXX emailed me asking me to pay up for the next semester ( which I was not attending ) and asked me to pay up immediately and threatened she would have my name forwarded to a debt collections agency for the amount of {$2400.00}. I politely informed her that there maybe a mistake and she was not willing to listen to me. I then called XXXX ' - The US Dept of International education . They agreed with me that the school should not be harassing me after they had processed my departure and also because it was a emegency exit. They filed a ticket AND also noted that the school had not terminated my student records with XXXX in a timely manner in accordance with my exit ( XXXX complaint ticket attached ) > Sometime early in XXXX, I received a call from someone claiming to be from a debt collections agency saying that I owed {$2400.00} to original creditor XXXX XXXX. I explained my situation, provided the requested documents via email and the person said there maybe a mistake and that he would look into it. There was no contact since from that company or officer. XXXX XXXX XX/XX/XXXX - Choice Recovery Inc ( A new collection agency ) placed a collections account of {$2400.00} on my account. I took no action and again on XX/XX/XXXX - Choice Recovery Inc placed an additional {$840.00} ( unknown, with no context ) in collection on my account. I disputed this additional charge which I am unaware of through XXXX XXXX and they rejected my dispute. I have attached screenshots of both accounts in collections. Companies Involved : XXXX XXXX ( alleged original creditor for one account, additional {$840.00} unknown ) 1 XXXX XXXX XXXX XXXX, KY XXXX, United States Choice Recovery - Debt collector - XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, United States, XXXX XXXX
08/05/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	KY 402XX	Web	Servicemember
Choice Recovery , Inc. has directly reported negative information to all 3 credit bureaus without ever sending me any form of notice. I was never given the opportunity to confirm or deny the debt, nor has this company ever contacted me regarding this. I am absolutely disgusted that they would treat me as an uneducated consumer. FDCPA laws are very clear and I should not have to quote them for Choice Recovery and this negative information should be deleted from all 3 credit files immediately. 809. Validation of debts ( a ) Notice of debt ; contents Within 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 -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section 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 ce ase collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collec tion activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
06/03/2016	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	OH 431XX	Web
A Choice Recovery associate contacted me on XXXX XXXX, 2016 regarding what he asserted were several small, accumulating balances for which he was attempting to collect. The collection associate calling me was from a local phone number so I requested his business line to confirm the validity of his identity. I advised him that I would hang up and call him right back, which I did. There are too many scams to readily provide my credit card information over the telephone. I received his voicemail and requested a return phone call. In the interim, I called the business with whom the balance originated from ( as initially explained by this collector ). I spoke to a representative who stated she looked at all possible scenarios of where my account may have been placed for collections. Not only did she state that I did not have a balance, but that I was entitled to a refund which she said I should anticipate within 2 weeks. On XXXX XXXX, 2016 I received a phone call from the same collection associate. I explained to him the same scenario I just just described in this complaint and advised him that I would not be paying that balance. The associate seemed to be offended, stating that whomever I spoke to was wrong and that he would have these balances reported to my credit bureau. I explained that I would obtain written documentation and send to him. The associate became audibly agitated and then proceeded to tell me that the conversation was being recorded. In my professional experience, I am knowledgeable that if a phone call is being recorded that it must be stated at the beginning of a call and I stated the same to the associate. The representative then accused me of being nasty. I simply replied, in a non-threatening tone that he was being nasty, not me. The representative then stated and I quote, " Okay, I 'm terminating this call because apparently I 'm XXXX. '' I was baffled and I believe I replied something to the effect of, " Okay, have a nice weekend. '' I reflected on the call for a few moments and decided to call the company back and ask for a manger. In short, I spoke to a female manager who indicated she would review the call and call me back. In fact, I did receive a return phone call from a polite associate, who through research, I found to be the Compliance Officer. Although she offered an apology and indicated the associate with whom I had originally spoken to had received corrective action, I am still incensed that a person representing a company would engage in such a demeaning and unprofessional manner. I happen to have ancestry which was subject to the XXXX. Such comments are not to be made with total disregard and arrogance. Additionally, I took offense that in response to me stating I would provide documentation to him, he replied that this would be on my credit bureau. He was not simply informing me of the possible scenarios, it was stated with threatening overtures.
07/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	GA XXXXX	Web	Older American
XXXX : XXXX XXXX XXXX XXXX Choice Recovery XXXX XXXX XXXX XXXX THIS notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. Upon recent review of my credit report, FIRST FEDERAL CREDIT CONTROL- XXXX Credit Report : Account 1 ) XXXX COLUMBUS XXXX INC./and CHOICE RECOVERY INC. : Account 2 ) # XXXX - XXXX. XXXX XXXX, XXXX XXXX XXXX Collection agencies are reporting that I owe the above creditor XXXX Car Rental a debt. I am in dispute of this unfair debt collection practice and inaccurate billing dispute. How could I possibly owe XXXX these creditors for the same exact debt? XXXX Re : XXXX Car Rental ) As per this rental, this was an insurance claim, paid in full by my Insurance with : XXXX INSURANCE- PLEASE CHECK YOUR RECORDS CAREFULLY. Upon return of my rental the agent on duty never advised me or called me to discuss with me THAT I HAD A BALANCE/ OR gave me an opportunity to actually DISPUTE the issue. I am requesting that you investigate this illegal deceptive practice and verification of this questionable debt collection agency/or agencies. I NEVER RECEIVED ANY NOTIFICATION OF THIS DEBT or a description of what I owe this money for. Apparently this is a scam ; this appears to be the same exact companies. This is an illegal Unfair practices. Debt collectors should not be allowed to engage in unfair practices when they try to collect a debt. For example, in this case, they should not identify themselves as different companies, when they are actually the same. Please investigate this matter. I do n't even know who these companies were until this account was turned over for collection. Could it be credit theft? I 'm not paying until I see an accurate billing statement. FUTHERMORE, " The FTC CLEARY points out, " Every collector must send CONSUMERS 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 do n't think you owe the money. '' I never received any notice. Subsequently, The FCRA also protects consumers from the misreporting of information on your credit report. If a debt collector or credit bureau reports incorrect or inaccurate account information, it is violating the FCRA. Examples of violations include failing to report that a debt was discharged in bankruptcy and reaging old debt to extend the statute of limitations. In this case, it is definitely apparent that a collection agency or Credit bureaus can most definitely mix up similar credit files and misreport information. Therefore a consumer, should have the right to dispute any information he/she may feel is not possibly reported accurately.
04/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43232	Web
I am filing this complaint in response to your letter or phone call dated CHOICE RECOVERY INC # XXXX. I do not believe that I owe this debt or what you say I owe. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : 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 any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. You can not add interest or fees except those allowed by the original contract or state law. Any attempt to collect this debt without validating it violates the FDCPA. Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. Finally, if you do not own this debt, I demand that you immediately send a copy of this
05/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 43701	Web	Older American
I submitted the following dispute to XXXX ( through the XXXX web site ) on XX/XX/XXXX. ( I was given a very limited space to give additional comments. ) See below : Why are you disputing this account? Account is not accurate Reason ( s ) for dispute : 1. The dates on this account are incorrect 2. This account is too old to be on my credit report Additional Comments : " This balance different than statements received from XXXX Both different than original hospital balance. The statements I have received FASELY show payments I have never paid. Original service XX/XX/XXXX '' I received XXXXXXXX XXXX response on XX/XX/XXXX ( Attached ) The original total that I was " responsible '' for was {$1800.00} ( I have attached a copy of XXXX from XXXX ). The amount that Choice Recovery ( CR ) was attempting to collect was {$1600.00} ( I have attached copies of statements from CR ). And the amounts CR reports to the credit bureau are {$360.00}, {$520.00}, {$420.00} and {$350.00} leaving a total of 8 negative marks... This is not necessarily the problem, however. As you can see on the XXXX from XXXX, the date of service is on or about XX/XX/XXXX. On the credit bureau report ( account details ) the open dates for the above amounts are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX respectively ( I have attached copies of these pages also ). Additionally, as you can see on the attached statements from CR each statement declares " We have received a payment of ... '' at the top. I have never made a payment on any of these accounts because I left my employment shortly after this hospitalization ... Interestingly, many of the payments that CR claim that I made is in the amount of {$73.00}, the amount of my payments for current accounts at XXXX XXXX ( I have attached a current statement from XXXX ). If CR has access to my current account at XXXX, I feel this is also in violation of my HIPA rights. You will also see on the statement from XXXX that the earliest date of service is XX/XX/XXXX, meaning that I had payment arrangements with XXXX at that time. ( All of the " open dates '' for CR is after that date. ) Again, I did not make any payments on the XXXX account because I was unable to " catch up '' and " keep up '' at the same time... Also, Please note that, while CR claims that I " made a payment, '' the balance on the statement never changes. Finally, I believe that XXXXXXXX XXXX investigation amounted to allowing CR to " self investigate. '' We are now in a position that requires us to look for housing and I am concerned that, with a credit score below XXXX we will be denied housing. Thank you for your time! XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX )
01/23/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 43017	Web
A phone call on XX/XX/XXXX ( XXXX ) with XXXX XXXX from Choice recovery took place regarding a debt collection attempt that I was unaware of. During this phone call, I mentioned that I do not remember ever receiving a bill from XXXX XXXX XXXX XXXX XXXX. because all my bills were being directed to my Lawyer. I explained that I was in a car accident where a vehicle hit me when I was stopped at a red light and the Lawyer was handling all the calls and the bills. At this point, XXXX XXXX from Choice recovery told me that he was no longer aloud to discuss this account with me by law and asked for my Lawyers number, so he could contact directly. I gave him my Lawyers contact information. Yesterday, on XX/XX/XXXX, I noticed that my credit score dropped 24 points!!! When I looked to see why it dropped, it stated that 7 new accounts were opened and the total number of derogatory accounts had also increase by 7. Looking into it further, I found that all 7 new accounts and 7 derogatory accounts were from Choice Recovery INC. Today XX/XX/XXXX, at XXXX XXXX I called XXXX XXXX at Choice and asked why they were attacking my credit. I was told y XXXX XXXX that they were unable to get in touch with my lawyer and by law they are not allowed to contact me without my Lawyer 's permission and can not discuss any other details about my case. I then asked to speak to his Manager. XXXX XXXX transferred a call to XXXX XXXX and she proceeded to repeat the same information that XXXX XXXX presented me with. I told her that I completely understand that they are by law not allowed to contact me with out my Lawyers permission, but if you couldn't get a hold of them, you could have at least informed of this information so I could call my Lawyer and have them directly reach out to you instead of just attacking my credit. ( They didn't get permission to contact me from my Lawyer but didn't get permission to attack my credit history either but they did!! ) I asked how a could get this removed from my credit history and she told me that I needed to contact my lawyer and have them contact Choice Recovery INC for something to be worked out before they could see if something could be done with my credit. They attacked my credit without my knowledge, without giving me a chance to resolve the issue, then hold my credit score hostage with no guarantee to fix my credit. How is this allowed? If they are not allowed to contact me by law and they don't get a hold of my Lawyer, I'm left in the dark till one day I get a surprise of a 24 point hit to my credit score!!
10/16/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OH XXXXX	Web
I moved out of my apt in XXXX and I gave proper notice to the rental company 's manager that lived on site. I moved in the unit back in XXXX and the same month of XXXX. I spoke to the onsite manager that the carpeting had black spots in it and it was not new. She mentioned to me that its was not new it was cleaned. I never had any real issues in the unit but in XXXX I asked if i could have a pet and they do not allow pets so i went to my doctor and i was given a letter to allow for an emotional support animal and i gave the onsite manager a copy and from that point forward I had an issue. I had one complaint about the puppy pad on the balcony and I reframed from allowing him to go out there but it did not stop the owner of the company became furious about the animal and it just was an issue with him. So I gave my notice to the onsite manager in form of a card and I began the process of moving. I did clean the unit there was damage to the corner of the wall while moving items and the globe was missing from the kitchen. I replaced the burners and the blinds in the unit. I cleaned the unit and I gave my keys to the site manger. In XXXX of XXXX I got the move out statement and I called and requested pic of the said damages on the report the owner yelled and cussed about me having the puppy and hung up. I called right back and i said to him that i lived in that unit over 7 yrs and the appliances all worked, not one screen was damaged at all, all the yrs i have lived there never had a bug until the guy next door moved in, and why am i being charged for new carpet replacement when it was not new when i moved in there, the dishwasher worked! The owner just yelled and cussed again and gave the phone to someone else and he just read the move out statement to me and I asked for proof of the damage because it is fraudulent to bill me for damage that I did not cause. I told him that the onsite manager has never sent me a notice regarding housekeeping or damage to the unit and they exterminate once a month for seven yrs. Most of the things on the list is normal wear and tear. Only thing new in the unit was it was painted the appliances are used and the carpeting was used. Because of the abusive language from the owner I never called again until XXXX I called and spoke to a woman and I again requested pictures of all the damage and receipts showing that the dishwasher needed to be replaced. They are unable to provide me with any further information but has charged me {$3800.00} in damages.
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	OH 43110	Web
Notice for Proof of Claim Account : XXXX XXXX # XXXX, CHOICE RECOVERY INC # XXXX, CHOICE RECOVERY INC # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX To Whom it may Concern : Thisis a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment ofdebts States ( C ) No collection agency shall commence litigation for the collection of anassigned account, bill, or other evidence of indebtedness unless it has taken the assignmentin accordance with all of the following requirements : Credit contracts are non-assignableeven if the contract has a clause for assignability because it violates the contract Law.Where there is no fair valuable consideration given, the contract or agreement is void abinto. The debt is non-transferable. If it is a contract for credit or goes to the character of theparties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment wasmanifested by a written agreement separate from and in addition to any documentintended for the purpose of listing the account, bill, or other evidence of indebtedness withthe collection agency. The written agreement shall state the effective date of the assignmentand the consideration paid or given, if any, for the assignment and shall expressly authorizethe collection agency to refer the assigned account, bill, or other evidence of indebtednessto an attorney admitted to the practice of law in this state for the commencement oflitigation. The written agreement also shall disclose that the collection agency mayconsolidate, for purposes of filing an action, the assigned account, bill, or other evidence ofindebtedness with those of other creditors against an individual debtor or co-debtors.XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX v. XXXX XXXX 13 Id 646. Once the Creditorwrites off a debt, it can not be assigned or Collected. Since this is an error I demand that yousend me the following proofs. As you are obligated to do in accordance with the Fair DebtCollection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have30 days to supply these proofs, if more time is needed please contact me by certified mailand I will extend you 15 extra days. I also request to see a certified copy of any contract oragreement between you and the original creditor that gave you the right to collect this debt.
08/13/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33418	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS XXXX CHOICE RECOVERY INC Reported XXXX XXXX XXXX, XXXX - {$1100.00} Needs Attention Your company have violated FCRA XXXX15 ( 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 CHOICE RECOVERY INC Reported : XXXX XXXX, XXXX - {$1100.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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, FL XXXX
02/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32952	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX CHOICE RECOVERY INC Reported : XX/XX/2020 + {$210.00} 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 CHOICE RECOVERY INC Reported : XX/XX/2020 + {$210.00} 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 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, 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 CHOICE RECOVERY XXXX CHOICE RECOVERY 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 CHOICE RECOVERY XXXX CHOICE RECOVERY 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
08/07/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32808	Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX TO WHOM IT MAY CONCERN ATTENTION DISPUTE DEPARTMENT : CHOICE RECOVERY 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 CHOICE RECOVERY 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 District 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, FL XXXX
02/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32244	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : You are reporting and publishing inaccurate information ( tradeline ) AND ( inquires ) in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out-of-pocket costs and loss opportunities. The following account you are publishing about me is inaccurate because under 15 USC 1692 you are in violation of my consumer rights. CHOICE RECOVERY XXXX I request that you delete the above-listed tradeline, inquires and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradeline item is verified, I request details of your method of verification under 15 USC 1692g. For identification purposes, my social security # is XXXX and my date of birth is XX/XX/XXXX. I am enclosing a copy of my identification as proof of identity and mailing address. In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. Your prompt attention to this important matter is requested in compliance with federal law. Everything stated above is under the penalty of perjury and the other specific language that accompanies this letter. Regards, XXXX XXXX XXXX --
05/21/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32216	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX CHOICE RECOVERY 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 per sons 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 CHOICE RECOVERY 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 District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
08/08/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 45039	Web
On XX/XX/XXXX I had to be taken to the emergency department at our local hospital. After being seen and released with not resolution, I started a dispute with the hospital stating that I had not received proper care. As of XX/XX/XXXX, the case was still under investigation by the patient services at the hospital. It was n't until after the Collection was added to my credit profile that the dispute was resolved. Collection Recovery did not send me any notification of this and they also reported to the credit bureaus ( XX/XX/XXXX ) prior to the XXXX XXXX XXXX XXXX agreement of waiting 180 days before reporting medical debts and prior to the resolution of the original dispute with the hospital. During the dispute with the hospital, I was told that all debt owed for the visit was part of the dispute and that there were no other bills associated with the visit. I did not find out that the hospital had separated the hospital bill from the physicians ' charges until I received an alert from my credit monitoring that Choice Recovery had put a collection on my profile. Immediately after finding out, I called the original creditor listed, XXXX XXXX XXXX and while on the phone with them I paid the {$24.00}. But Choice Recovery reports that I paid them, which is not the truth. I paid XXXX XXXX XXXX while on the phone with their customer service. If they accepted the payment on behalf of Choice Recovery, I should have been told that was the case. Since then insurance has reimbursed me for the expense of paying this out of my pocket. If insurance paid for this, whether prior to their reporting or after, they still should not list it on my credit profiles according to the XXXX XXXX XXXX XXXX agreement. The processed used by Choice Recovery of reporting to the credit bureaus without providing a notice to the consumer is in violation of the Fair Credit Reporting Act as well. A complaint has also been filed with the Ohio XXXX XXXX office and the local BBB agencies. I have called the original creditor, XXXX XXXX XXXX many times and have been told that they have requested to Choice Recovery to remove the entry because they have verified that I wasNOT notified of the debt. However, Choice Recovery is still reporting this to the credit bureaus.
08/20/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 43232	Web
Recently while conducting a monitor of my credit report I discovered that CHOICE RECOVERY has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from CHOICE RECOVERY but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to CHOICE RECOVERY to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than CHOICE RECOVERY is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 3.Cease any credit bureau reporting until debt has been validated by me. 4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. 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 may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX, ACCT. BAL : {$16.00} ( this bill has been paid through health insurance ) 2. ACCT. NAME : XXXX XXXX ACCT. BAL : {$40.00} ( this bill has been paid through health insurance )
10/22/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43230	Web
CHOICE RECOVERY needs to produce Documents provided in response to requests for production or in support of responses regarding the alleged account, what is the name and address of the alleged Original Creditor, if different from the Debt Collector. They are report account that I am not aware of. I was a victim of ID theft and have been report any new or old accounts I do not recognize. Did the Debt collector purchase the alleged account from a previous Debt Collector.If the transfer rights regarding the alleged account were by negotiation, was the alleged account taken for value? How long has this account been in a collection status.I have requested that CHOICE RECOVERY Stop calling my phone over a Debt that I do not owe to their company. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST. Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the deb 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 any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.
10/30/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 45224	Web
Re : Notice of Intent to Sue / Health Insurance Portability & Accountability Act Violation XXXX Letter sent to : XXXX XXXX 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 }. I have received a response that clearly violates my rights according to HIPAA. { 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.
08/28/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AZ 85283	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act XXXX, s21c and Unsolicited Goods and Services Act XXXX, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
07/11/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 63366	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
08/31/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32277	Web
To : CHOICE RECOVERY/ XXXX Florida XXXX YOU ARE BREAKING THE LAW! This is a warning notice to the alleged wrongdoer of such debt : which you are a debt collector because you are simply attempting to collect a debt. Well multiple alleged debts. I noticed I have been violated pursuant to the FDCPA ( Fair Debt Collection Practices Act ). There is evidence of the use of abusive, deceptive and unfair debt collection practices. Until you can provide me with documentation stating that I gave you my authorization and request to release my personal and medical information/records, I demand that you block and cease collections on the following accounts from my consumer report. -Choice Recovery Inc XXXX ** {$120.00} These violations have caused numerous injuries to my life. Under the Health Insurance Portability Accountability Act of 1996 ( HIPAA ), I reserve the right to private, personal and medical records from all third party reporting agencies and collection agencies. According to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedies as a consumer and I am demanding all of the following : Provide proof of a contract between ChoiceRecovery and I Stop all negative reporting activity to all consumer reporting agencies Remove and block all negative reporting activity XXXX out balance Remove any late payment reports I Need a Full audit trail For each violation I would like to be compensated {$1000.00} You are civilly liable. If I dont receive a response that will result in additional violation to the FDCPA. This letter is a request for validation and remedy for violations continuing to report this medical debt without properly validating and providing me proof of permission is a validation of the FCRA ( Fair Credit Reporting Act ). You have 15 days to respond to this request or this alleged debt will be considered invalid and the demand for removal from reporting to the credit reporting agencies will be required! Best regards : Done in good faith. Without prejudice. All natural inalienable rights reserved. XXXX : XXXX
04/24/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OH 43231	Web
Recently while conducting a monitor of my credit report I discovered that CHOICE RECOVERYINC. # XXXX , # XXXX , # XXXX , # XXXX , # XXXX , # XXXX , # XXXX information. I believe under th e Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX . but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under th e HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permi ssion to CHOICE RECOVERY INC. to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than that is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 3.Cease any credit bureau reporting until debt has been validated by me. 4.Please send this information to my address listed above and accept this form al complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA comp liance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. 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 may be a vio lation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
09/08/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OK 73160	Web
I noticed a collection placed on my credit report from Choice Recovery/XXXX XXXX XXXX ( now XXXX ). I sent several letters to their collection company, but they never replied to my letters. I was concerned that this was a potential identity theft related file since my identity was stolen multiple times over the years. I was able to finally confirm that was not the case. I have sent several emails to the Office Manager at XXXX XXXX XXXX XXXX but only received one response with a copy of a bill. I also copied several corporate office employees on my emails to her. They are ignoring my requests. I do not think the bill is accurate, since I had insurance and normally paid through my flexible spending account, any copays, deductibles etc. I called their collection agency today and was told that this account was closed and that they are not actively collecting since it is past the statute of limitations. He advised me to pay it if I wanted to. I let him know that I was disputing the amounts. He stated that he did not have any information to send me. I have several questions. If their collection agency has closed the account, they are not actively collecting and it is past the statute of limitations, then why is this still on my report? I am now questioning if XXXX has the correcting information on file as to when this account was delinquent and why is it still reporting. I also am concerned that their collection agency is familiar with my health information. I do not recall providing any authorization for their collection agency to have access to my health information ( per HIPPA ). This account needs to be resolved ASAP. I am trying to do research related to this, but XXXX, nor their collection agency are very helpful. I have offered to do a potential settlement on this since it is so old and I do not know how long it will take to research. XXXX has been nonresponsive. I need to get this resolved ASAP, as I need to get a medical procedure done and will need to get financing to get it done.
08/14/2017	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	OH 43224	Web
Recently while conducting a monitor of my credit report I discovered that CHOICE RECOVERY has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I HAVE NEVER DONE ANY BUSINESS NOR HAVE I ENTERED INTO ANY CONTRACTS WITH CHOICE RECOVERY ACC # XXXX. I did see the date of XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XXXX ], to protect my privacy and medical records from third parties. I do not recall giving permission to CHOICE RECOVERY release my medical information to a third party. PLEASE PRODUCE authorization or signature or something to show proof of this authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 3.Cease any credit bureau reporting until debt has been validated by me. 4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. 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 may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
07/04/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	OH 433XX	Web
Recently while conducting a monitor of my credit report I discovered that CHOICE RECOVERY INC has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you 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 your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX Ohio XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than is, to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 3.Cease any credit bureau reporting until debt has been validated by me. 4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. 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 may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
05/08/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 36867	Web
Dear Choice Recovery Inc After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2013. 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.
11/08/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60657	Web
Hi. I am contacting you regarding a few medical bills that are on my credit report. 1 ) I never received notice from the doctor or the debt collector that these bills were even due. In fact, I have seen this doctor as recently as last month. Never once did the office mention these bills, I only found out about them after viewing my credit report. 2 ) These medical bills are for a nerve block procedure that I receive for XXXX related XXXX. The doctor who gives the shots is a XXXX XXXX. My credit report now has in bold letters, that I have been treated at the " XXXX XXXX XXXX '' clinic. For one, I was not even treated for XXXX. Even so, this is a severe breach of the HIPAA Privacy Rule, as anyone who pulls my credit ; from potential employees, to landlords, will see what appears to be my medical history ; that I am being treated for some sort of XXXX. This would translate to them, as missed work days and rent payments. 3 ) Furthermore, these bills were all incurred while I was a student at XXXX XXXX. My father is responsible for all of my medical bills as long as I am still in XXXX. I contacted all 3 credit bureaus. XXXX removed all 3 Choice Recovery accounts from my credit report. XXXX for some reason removed 2 of the 3 accounts, and left one of them. XXXX did not remove any of the accounts. I contacted the collection agency and the rep seemed quite pleased to inform me that they will not bill my father, and that even if I paid the bills, they would not remove the accounts or the incriminating information. I have submitted screenshots of the Choice Recovery accounts on both XXXX and XXXX. I have also submitted copies of .the court order stating that my father is responsible for my medical bills. The collection agency is : Choice Recovery XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX Please let me know if there is any other information you need and if you will be able to help.
09/25/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32277	Web
This is in response to complaint XXXX To Whom It May Concern, You stated in your response that for the following accounts you hold a Business Associate Agreement with XXXX Florida XXXX XXXX XXXX One question. What does that have to do with me and my PHI? I know everything there is to know about HIPAA and the ONLY reason that ANY of my PHI should be given is with MY CONSENT or if another physician has something to do with my case not in collection of an alleged debt! According to the CDC The HIPAA privacy rule contains standards for individuals rights to understand and control how their health information is used. Regardless of the business that you have with XXXX Florida XXXX, you are not considered a covered entity. You and I also do not have a contract binding my wet ink signature and yours. Until you can provide to me the document that I provided North Florida XXXX my request to release my PHI and health information to you Choice Recovery, I demand you stop trying to collect on the account. Under HIPAA I reserve the right to protect the privacy of my personal and health information from all third party reporting agencies. Please provide the above requested documents. This notice is request for VALIDATION not VERIFICATION and I request FULL DOCUMENTATION containing all information that you received from XXXX Florida XXXX of this alleged debt. Continuing to report this Medical debt without properly validating, having permission to my PHI and medical information, and without providing me proof of permission is a violation of the FCRA ( Fair Credit Reporting Act ). I expect a response within 15 days from the date of receiving this notice to respond or this alleged will need to be removed immediately. XXXX : XXXX ' Done in good faith. WIthout prejudice. All inalienable rights reserved. Account in question -- -Choice Recovery Inc XXXX {$120.00} XXXX XX/XX/1990
02/03/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	OH 43068	Web
COMPLAINT Now comes, XXXX XXXX, in consumer capacity filing a complaint against debt collection agency Choice Recovery, an Ohio agency licensed to collect debts in the state of OHIO ; In XX/XX/XXXX, I checked my credit report and discovered Choice Recovery 's tradename on my credit file as a closed account and disputed the account with all XXXX credit bureaus ; On XX/XX/XXXX I received my credit report update from initial dispute, and Choice Recovery was deleted from XXXX file but updated by XXXX and XXXX as a verified account ; Choice Recovery placed their tradename on my file in XX/XX/XXXX ; and date last reported XX/XX/XXXX ; For the record, there is no evidence of a contractual liability ; expressed or implied tacit agreement with Choice Recovery and XXXX XXXX ; I have never received any validation letter from Choice Recovery prior to their tradename on my credit file in XX/XX/XXXX ; and allegedly validating the debt as valid to XXXX and XXXX ; This conduct is a direct violation of XXXX Validation of debts ; XXXX, and XXXX Case No. XXXX ( XXXX. Ohio XX/XX/XXXX ) This conduct is a direct violation of XXXX false and misleading representation ; XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX, ( XXXX XXXX ). This conduct is defaming my character without proof of claim of a valid honest contractual agreement in writing In accordance with XXXX XXXX Ohio Statutes of Frauds ; XXXX, XXXX ; This Conduct violates XXXX disclosures to consumers FCRA by not properly validating the debt to me after initial dispute in XX/XX/XXXX ; and falsely misleading credit bureaus with inaccurate information ; I am being denied credit do to the fact of Choice Recovery 's actions, and If their tradename is not deleted off my credit file ; I will filing civilly in accordance with United States Court of Appeals, XXXX Circuit, Case No. XXXX, XXXX, XX/XX/XXXX ;
07/13/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32257	Web
Received a letter in the mail from Choice Recovery Inc. regarding a medical bill from XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX 's office for an unpaid balance. My immediate response to it was that I needed to resolve this asap. After calling the collection agency and found out that they added in additional 30 % to the bill, I called back XXXX XXXX 's office and offered to pay it immediately but was told by a young lady by the name of XXXX " that it was now too late and I had to call back the collection agency and pay the whole amount plus 30 % ''. So I did just that, but since the bill was significantly higher, I asked if I could make quarterly payments and XXXX from Choice Recovery agreed. So I made the first of 4+ payments of {$250.00}. Never did the Choice representative say you have less than 30 days to pay the remaining balance or " we will report you ''. If I would have heard that, I would have pulled out several other credit cards to pay it in full. Needless to say, even after attempting to make the payments in full, never did I get a balance statement, a letter of acknowledgement, nor an email stating a balance or remainder or their intent to destroy my credit within just a few weeks. When I called the collection company ( Choice ) on XX/XX/2018 @ XXXX XXXX to inquire about why didn't they send me in writing or email any type of documentation such as a statement or letter, they stated that " it was not there job to do that ''. I was completely appalled since that is what they do for a living. I'm sure that there are Fair Reporting Act Violations here and I want this removed from my credit for their lack of incompetence. My credit was good until the collections hit my credit report and it has dropped 40 points. Which completely hurts my family and myself especially since I was in the middle of a refinance.
04/30/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 43231	Web
Recently while conducting a monitor of my credit report I discovered that CHOICE RECOVERY INC has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from CHOICE RECOVERY INC but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to CHOICE RECOVERY INC to release my medical information to a third party. Validation of Debt, and HIPAA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 3.Cease any credit bureau reporting until debt has been validated by me. 4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. 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 may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages
06/14/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 43231	Web
Recently while conducting a monitor of my credit report I discovered that CHOICE RECOVERY INC has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from CHOICE RECOVERY INC but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to CHOICE RECOVERY INC to release my medical information to a third party. Validation of Debt, and HIPAA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 3.Cease any credit bureau reporting until debt has been validated by me. 4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. 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 may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages
04/07/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 45247	Web
I had a medical bill with a company named XXXX XXXX in XXXX of XXXX. The bill was not paid in a timely manner so it was sent to a collection agency called Choice Recovery in XXXX of XXXX. Within 30 days after Choice Recovery received the bill it was reported to my credit report on XXXX XXXX, XXXX. I contacted XXXX in XXXX of XXXX and asked if I could pay the bill off. The employee informed me that it was at a collection agency and that I had to contact them. I told her that my bill was with XXXX and not the collection agency. She refused to take a payment over the phone. I asked if I sent a money order in to XXXX to pay the bill off what would she do? She informed me that she would refuse the payment and send me the money order back. I waited several months before mailing a money order to XXXX to pay this debt off and they cashed it. I contacted the collection agency in XXXX and told them what I had done. I never paid the collection agency so why are they able to report to my credit report? Initially Choice Recovery reported a balance of {$130.00} and {$9.00} to my credit report. Now the collection agency is reporting a {$9.00} and {$6.00} remaining balance when there was a money order sent to XXXX for {$130.00} because that is what was on the bill. How can a collection agency report to my credit when they were not the ones that was paid? I have attached a copy of the bill, the money order and the information from the bank showing that XXXX was the one who cashed the money order. If you have any questions please contact me by mail at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX or by phone XXXX or by email at XXXXXXXXXXXX. Thanks in advance for helping with this situation. XXXX XXXX
01/04/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19115	Web
In 2015 I went to the emergency room out of state. I have insurance through XXXX that my insurance said is covered in and out of state. Almost two years after this visit I got a bill for over 300 dollars. I contacted my insurance and the hospitals billing department. My insurance said that they needed something called a rendering XXXX number from the hospital and the hospital said that whatever doctor I saw that day didn’t have that number out of state. So basically both parties wouldn’t comply with one another. If my insurance is telling me I’m covered and that the hospital is failing to comply and the hospital is saying that’s not true there was nothing left for me to do. My insurance filed claims over and over again until the hospital was past due on the timeline my insurance would of covered this bill so it went into collections. XXXX, whom I spoke to from Choice Recovery was so rude to me. The official letter came to my parents house but when I spoke to her she did not tell me that I have the right to dispute it. She told me my only option was to pay the bill unless I wanted my credit to be reuined. She didn’t listen to the issue and she refused to call my insurance company. My insurance company said they would be happy to speak with her and explain the situation but she said she wouldn’t do it but wouldn’t give me a valid reason as to why not yet her manager said they are allowed to do so. She gave me an attitude and brushed me off and didn’t offer me solutions. This company’s job is to investigate the situation and work with you to try to help and figure out the issue instead she bullied me and was no help at all.
10/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WA 98056	Web
Between XX/XX/XXXX - & XXXX XXXX XXXX XXXX XXXX illegally reported an improper use of report to XXXX, XXXX, & XXXX in the amount of {$710.00} XX/XX/XXXX XXXX XXXX illegally reported an improper use of report to XXXX, XXXX, & XXXX in the amount of {$730.00} XXXX XXXX, XXXX Choice Recovery illegally reported an improper use of report to XXXX, XXXX, & XXXX in the amount of {$45.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) illegally reported an improper use of report to XXXX, XXXX, & XXXX for a hard inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) illegally reported an improper use of report to XXXX, XXXX, & XXXX far a hard inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) illegally reported an improper use of report to XXXX, XXXX, XXXX XXXX for a hard inquiry XX/XX/XXXX XXXX XXXX XXXX illegally reported an improper use of report to XXXX, XXXX, XXXX XXXX for a hard inquiry XX/XX/XXXX XXXX XXXX illegally reported an improper use of report to XXXX, XXXX, XXXX XXXX for a hard inquiry XX/XX/XXXX & XX/XX/XXXX Port XXXX XXXX XXXX XXXX XXXX illegally reported a hard inquiry to XXXX, XXXX, XXXX XXXX for a hard inquiry. XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXr ( XXXX XXXX, SD ) illegally reported an improper use of report to XXXX, XXXX, & XXXX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. ( 15UCS 1681 SECTION 604 A SECTION 2 ) States that a Consumer Reporting Agency " can not furnish an account without my written instructions. 15USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
12/05/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 43204	Web
FINAL NOTICE Re : Notice for Proof of Claim To Whom it may Concern : This is a legal and REQUEST FOR DOCUMENTATION. XXXX XXXX. XXXX, XXXX. XXXX, XXXX XXXX XXXX. XXXX ( 1959 ) .States Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is XXXX XXXX XXXX. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Also I have received a statement claiming that I owe a debt to Choice Recovery and that you are the collection company. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin. Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and XXXX XXXX XXXX XXXX that gave you the right to collect this my HIPPA Protected debt?
06/05/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL XXXXX	Web	Older American, Servicemember
THIS IS A NEW COMPLAINT AGAINST CHOICE RECOVERY LLC AS THEY FAILED TO VERIFY THE MEDICAL DEBT MAKING FALSE STATEMENTS TO COLLEC T Choice Recovery LLC is perpetrating a fraud which is a violation of the, FAIR DEBT COLLECTION PRACTICES ACT, As amended by Public La w 111-203, title X, 124 Stat. 2092 ( 2010 ), section 807. False or misleading representations, ( 2 ) The false representation of - - ( A ) the character, amount, or legal status of any debt ; My complaint is addressing the amount of the debt of {$50.00}. Choice Recovery LLC and the Creditor ( XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX , FL XXXX ) has failed to provide proof of debt. Whereas, Choice Recovery LLC a nd their client ( XXXX XXXX XXXX ) are making a false representation of the amount of the alleged medical debt. They must provide the following medical services : 1 ) Dates of th e medical services. 2 ) What medical services did they provide. 3 ) Provide proof the medical services rendered. 4 ) Copies of all payments made by me. 5 ) Copies of the insurance reimbursements. 6 ) Tot al amount billed to the insurance carrier. 7 ) Total insurance carrier paid. 8 ) Copies of the copays. 9 ) Copies of the Co-insurance. 10 ) C opies of the insurance contractual adjustments. 11 ) Copy of the ACTUAL insurance carrier reimbursement vouchers. 12 ) Copy of their insurance contract with the insurance carrier. Choice Recovery LLCs failures as required by the Fair Debt Collection Practices Act, should be fined by the CFPB for their violations.
05/08/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL XXXXX	Web	Older American, Servicemember
Choice Recovery XXXX , viola ted chapter ( 11 ) of the Fair Debt Collection Practices Act FAIR DEBT COLLECTION PRACTICES ACT, as amended by Public Law 1 11-203, title X, 124 Stat. 2092 ( 2010 ) Choice Recovery XXXX , willfully violate d Chapter ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector. Choice Recovery XXXX , willfully violated Chapter ( 11 ) bypassing this federal act by reporting the alleged debt from XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX , FL XXXX to the Credit Reporting Agencies They are civil for damages for their violatio n 813. Civil liability ( a ) Amount of damages Except 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 cou rt may al low, but not exceeding {$1000.00} ; I was advised by the credit bureau that they placed the account for collection and in turn I sent them the cease desist letter.
06/16/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	KY 410XX	Web	Servicemember
I am a XXXX Veteran that is fully aware of the laws pertaining to medical debt from outside treating physicians/hospitals. I was told the bills submitted to my credit file were never paid by the Dept of Veterans Affairs when in fact they were never billed to them. I spent nearly 3 weeks making calls and collecting the appropriate documents. After numerous calls I discovered the bills were never submitted to the VA for payment and XXXX XXXX XXXX superseded the federal law prohibiting collections against veterans. H. Rept. 115-1025 - PROTECTING VETERANS CREDIT ACT OF XXXX. I have made several calls to XXXX and left several messages for a supervisor to call me back regarding this situation. To this date I have not received a call. I advised them to send the bills in to the VA and they refuse to do so, they additionally stated they do not need to follow the law that was passed. XXXX medical billing department has since sent my file to CHOICE RECOVERY where they have reported the collection to my credit. I am attempting to buy a house for my family and now my credit score has dropped over 35 points due to their clear and intentional violations of federal law - - Account Number XXXX - - Account Type Collection - - XXXX XXXX XXXX - - Date Opened XX/XX/XXXX - - High Balance {$0.00} - - Monthly Payment {$0.00} - - Account Balance {$580.00} - - Last Reported XX/XX/XXXX - - Amount Past Due {$0.00} - - Limit {$0.00} - - Remarks - - - Responsibility Individual - - Past Due - 30 Days 0 - - Past Due - 60 Days 0
01/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93001	Web
I am applying for a business line of credit. The bank informed me that it can not approve me because there is an account in collections on my credit report. The collections company is Choice Recovery Out of XXXX Ohio and they are collecting for a company called XXXX XXXX XXXX. According to my XXXX Credit report the account was opened XX/XX/2014 and has a balance of {$580.00}. After several calls to Choice Recovery inquiring as to the reason for the debt one of their representatives informed me that the original company XXXX XXXX XXXX has been dissolved and they have no information about the original debt. When I asked about how they would contact XXXX XXXX XXXX I was told that there was no phone number only a XXXX XXXX XXXX, XXXX Fl XXXX. The following address and phone number listed on line : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida USA Phone : XXXX. The phone number is disconnected. Prior to this I have never even heard of XXXX XXXX XXXX and have had no dealings with them. A XXXX search of XXXX XXXX XXXX revealed numerous complaints of people whom have experienced the same things : XXXX XXXX XXXX XXXX XXXX XXXX Choice Recovery Inc has 127 complaints with the better business bureau : XXXX : XXXX I have already filed a dispute through XXXX and was told that it would take up to 30 days to get a resolution. Thank you for your time and consideration in these matters. Your anticipated assistance and prompt reply is greatly appreciated. Best regards, XXXX XXXX XXXX XXXX ( XXXX ) XXXX
03/18/2019	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 43229	Web
Recently while conducting a monitor of my credit report I discovered that CHOICE RECOVERY INC # XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from a medical center but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to CHOICE RECOVERY INC to release my medical information to a third party. I am aware that HIPPA does allow for limited information is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization. Please note that falsification of the information you received from any medical provider can be percieved as a HIPPA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. 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 may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
02/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43082	Web	Servicemember
In XXXX of 2017 a collection showed on my credit report from XXXX XXXX XXXX via Choice Recovery. This is not my account. It was confirmed that this was not my account, but my son 's ( XXXX XXXX XXXX, not XXXX XXXX XXXX ). I filed a dispute on XXXX XXXX at that time. This information is still reflected on my credit report. My wife and I applied for a Home Equity Line of Credit to pay down our debt and were denied due to this collection causing my score to be XXXX, not above the 700 that is required. My son, my wife and myself have spoken with the collection agency and the company who originated the file. They state they did not report this on my social security information and that the credit reporting agency must be pulling the data incorrectly. The credit reporting agency does not have my dispute on file, from XXXX of 2017. They have asked that I submit another dispute because it is only the collection agency that can remove the negative report. I don't believe I should be required to file another dispute, which will take longer to resolve. Time is of the essence and I am respectfully requesting this be removed from my record immediately. This is going to impact my credit score even further due to needing to have another inquiry to obtain credit after this denial. Choice Recovery, the collection agency has sent me a letter showing that this is being requested to be removed from my son 's record. They state it was not filed on mine, but clearly it is. Please remove this from my record.
03/04/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32065	Web
Until XX/XX/XXXX, I have had the same medical insurance for the last 10 years or more. All of the negative activity on my credit report is medical. I do not owe any of those bills. When the doctor 's or hospitals generated those bills to my address, I contacted XXXX, my primary insurer and XXXX XXXX XXXX XXXX XXXX, my secondary insurer. I was told by both agencies that due to the fact that the providers sent their bills in late, they were uncoverable and the I did n't owe anything, as I was n't at fault and 100 % covered. Also, in the case of XXXX XXXX, for example, I was going to his office 3x 's a week for XXXX. How come he only charged me once over a 2 month period? Because his office filed late, I do n't owe him anything, which I explained to his office in XX/XX/XXXX, they told me they would not pursue payment any longer, they lied.. The collections companies that are attempting to collect from me do not have contracts with me. I owe them nothing, none of them. These companies are making false statements and I would like for this misinformation to be removed. I have have continuous medical insurance for 30 years. Only since moving to Florida in XX/XX/XXXX have I experienced agencies falsely saying I owe bills, sending it to collections. Not my fault nor am I responsible for their late filing. If they paid their taxes late, would they be absolved of paying their taxes or penalties? They ca n't continue to hold me responsible for their incompetence and lies.Thank you
03/09/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43227	Web
To Whom It May Concern, The reason for my dispute is CHOICE RECOVERY INC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CHOICE RECOVERY INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and thestate of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) CHOICE RECOVERY INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. CHOICE RECOVERY INC is held liable as well for defamation and in the state of OHIO a creditor is who collects on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX XXXX. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
06/08/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 43219	Web
In XXXX, I received a phone call from Choice Recovery whose a debt collection agency trying to collect on a debt. I told them cease collection attempts since I did not know who they were and to correspond only by mail. About a week or so later I received a debt collection letter indicating I owed close to {$400.00} for 2 bills from something that occurred in XX/XX/XXXX. I then sent certified letter to the company requesting " DEBT VALIDATION '' within 30 days and NEVER heard back by mail from said company. I know after 6-8months creditors and debt collections agencies can add negatives marks to credit report so in good faith on XX/XX/XXXX I called and said I'll take ownership of this balance ONLY IF this debt is NOT placed on my credit profile and setup payment arrangement in which the collector XXXX XXXX OR XXXX setup. On XX/XX/XXXX, I received an alert from credit report that BOTH collections account are now appearing. On XX/XX/XXXX, I contact XXXX and asked why, she said their system shows they sent a response in which I told her I NEVER received, she said she don't know why and they cant update my credit report to fix it issue. THIS IS BEYOND ridiculous. I asked to speak with a supervisor in which I was not able to. This company needs to fix their tactic. How does the consumer have right to dispute debt and NEVER hear back from company certified mail ensuring I received a response from them?
05/19/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33428	Web
This bill is not being paid because the provider posted unauthorized charges. I called numerous times to reconcile but the office manager refuses to discuss adjusting appropriately even though I have marketing documentation showing promotion rates at the time of service. Bad provider fraudulently charging fees never authorized. I always pay my bills as can be seen by my payment history for much larger amounts but I will not pay this fraudulent bill and be held hostage to a dentist office manager who chooses to make up rules and fees as she desires. No one should be held to pay whatever the provider charges without recourse because they post a charge to collections without having to justify their actions. I suggest all stay away from this provider and find another dentist who is about patient care and not robbing people holding them hostage by sending them to collections because they increase fees without approval from the customer. This is NOT about {$250.00}, but the point of this dentist fraudulently charging fees and being very rude when trying to gracefully reconcile the correct amount for prompt payment. I will not pay this erroneous charge. For all those seeking my business, please feel comfortable by seeing my overall payment history that I pay my bills on time for much larger amounts. It is simply the point of it. Thank you in advance for your consideration. XXXX XXXX
11/14/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AL 36695	Web
On XX/XX/2016 I started the process to get a debt from Choice Recovery validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XX/XX/2016 to the address listed on my credit report ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Ohio XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute 807 ( 15 USC 1962e ), which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XX/XX/2016. No response, no validation, and they did n't mark my credit report DISPUTED, which violates the FCRA, Section 623 ( a ) ( 3 ). Already with no proof of my signature validating the debt and their lack of response, they have already broken federal law. I sent a follow up letter dated XX/XX/2016, received and signed for on XX/XX/2016, stating to them that by not providing me with validation of the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XX/XX/2016, and there has been ZERO response from this agency. All letters have been ignored. I have all documentation of my attempts of correspondence with Choice Recovery and can provide them if need be.
10/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29732	Web
To Whom It May Concern, The reason for my dispute is CHOICE RECOVERY INC # XXXX, # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CHOICE RECOVERY INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CHOICE RECOVERY INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationCHOICE RECOVERY INC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CHOICE RECOVERY INC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. CHOICE RECOVERY INC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
09/01/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 43701	Web
I received a credit report from all 3 bureaus ; XXXX, XXXX , & XXXX. I noticed there to be 2 collection accounts listed on all 3 credit reports from Choice Recovery , Inc . I sent them a debt validation letter, not once but twice. Choice Recovery, Inc. sent a letter back stating they have verified debt for {$140.00} and {$190.00} and requested for me to sign a Authorization to Release Information. I did not sign this nor will I sign this. That is HIPAA Information. They can not just say a debt is validated by giving the Creditor name and amount due. I demand to see my handwritten signature on a contract stating I am obligated to pay them. Choice Recovery , Inc. has not supplied proof of what constitutes proper debt validation. I have disputed both accounts with all 3 credit bureaus. XXXX deleted both accounts from Choice Recovery , Inc. due to the fact that they could not get Choice Recovery , Inc. to properly validate debt. ( Proof is attached ). XXXX & XXXX started they validated it but will not send me proof even after sending a demand for investigation letter. Both of these accounts from Choice Recovery , Inc. need deleted ASAP. The account numbers listed are : Choice Recovery, Inc Account # : XXXX - {$190.00} and Choice Recovery , Inc. Account # : XXXX {$140.00}. I have attached the letter exchange communications for proof of illegal activity.
12/27/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43004	Web
To Whom It May Concern, The reason for my dispute is CHOICE RECOVERY INC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CHOICE RECOVERY INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CHOICE RECOVERY INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation CHOICE RECOVERY INC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CHOICE RECOVERY INC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.CHOICE RECOVERY INC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
04/26/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29646	Web
I received an alert that my credit files had been flagged/updated by Choice Recovery Inc. , on XX/XX/2022 for {$470.00}. Choice Recovery IncXXXX, are debt collectors demanding a debt on behalf of XXXX XXXX XXXX. I have not received any goods or services from Choice Recovery Inc., and I do not know how Choice Recovery Inc., received my private medical information. Choice Recovery Inc., does not have a permissible purpose to contact me for any reason in regards to any alleged debts. There are no contracts in place to support that we have agreed to honorably conduct any business and I have not agreed to pay/tender anything to Choice Recovery Inc. , My HIPPA rights have been violated. I am not a party to any agreements that Choice Recovery Inc., may or may not have with XXXX XXXX XXXX. I am not responsible for Choice Recovery Incs purchase / transfer. Choice Recovery Incs reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. ( I will upload all proof ) Please abide by all mail codes. All calls are recorded for my safety. Please be advised that neither Choice Recovery Inc., or XXXX XXXX XXXX are Holders In Due Course. Please remove this unverified account from my credit report and Cease and Desist.
10/24/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43206	Web
*To Whom It May Concern, The reason for my dispute is CHOICE RECOVERY INC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports XXXX in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CHOICE RECOVERY INCfailed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationXXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
04/24/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	KY 40324	Web
On XX/XX/16 my son had dental work performed by XXXX XXXX XXXX XXXX XXXX. We were told we owed a substantial amount of money prior to his procedure. So I withdrew the money from my 401K. Paid a large fee for early withdrawal, and paid taxes on the money we withdrew to pay XXXX for his services. This money was paid to them directly. Then during a follow up visit, I was told by the receptionist that we had a large credit on our account of {$1200.00} and would be getting a refund check due to us overpaying. I could only assume it was because we carry double dental coverage. We did receive the check a couple of weeks later and decided that since we had already paid the penalty fees and taxes for early withdrawal, then we would apply that money to other medical debts. Then we received a letter from XXXX stating they refunded in error and that they now wanted the money back. They had ample time to review this. I did not ask for money back, I never asked for a refund, they told me that we were due the refund because I overpaid them. We can not take another withdrawal from our 401K. We can not afford to pay more taxes and early withdrawal penalties either. This was their error, not mine therefore I should not be penalized for their terrible bookkeeping practices.
07/26/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30080	Web
I have a an unvalidated and unverified account from CHOICE RECOVERY XXXX, XXXX. I have previously disputed this account several times. I have never done business with CHOICE RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I never received a letter stating I owed nor that I had a right to dispute. I request that CHOICE RECOVERY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements verbally allegedly related to this debt and currently being illegally reported to the credit bureaus ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether CHOICE RECOVERY purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and COLLECTION ( deleting from all credit bureaus immediately as law requires ) actives and provide the verification of the purported debt.
05/14/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90621	Web
Choice Recovery INC reported my brother 's medical debt under my name and Social security number, we are twins, as to HOW these idiots managed to mix my name and his up much less our Socials is beyond me. I called they refused to give me information, I had my brother call and ask for supporting documents to resolve the issue and they utterly refused. Choice recovery tells me XXXX XXXX is the one that made the mistake, and then XXXX XXXX tells me it was Choice recovery so these people need to get their act together. I don't have 30 days to wait for these dudes to respond to a dispute request in fact I called and asked them to respond and they basically said they wouldn't and DENIED TO HELP ME FIX an issue they created. XXXX XXXX basically said they have 30 days to respond and will just ignore the request knowing it will drop off if they don't which is a lie because I tried disputing it before XXXX and it said it couldn't be amended off my record so I had to do it a 2nd time... I have all this documented and calls recorded so don't XXXX me around. You guys claim you didn't report it under me well see attached documents showing otherwise you XXXX* Liars. document clearly shows MY NAME AND SOCIAL not my brothers get your XXXX together.
03/13/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 337XX	Web
At the beginning of XX/XX/XXXX, I went to purchase a vehicle and found out during the process that Choice Recovery reported an alleged outstanding debt of {$190.00} owed to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, FL XXXX for services rendered back in XX/XX/XXXX. I reached out to XXXX XXXX, who referred me over to their third party billing company. When speaking with that billing company they repeatedly tried taking the payment and never stated that this account was in collections or even read the FDCPA collection language. I then contacted Choice Recovery, who stated they sent multiple letters and made multiple phone calls. The address & phone number they had on file were obsolete as I had moved and had a new cell phone provider with a new number. They refused to remove the item from collections, but proceed to try and collect the alleged amount owed. They stated they verified the debt. However, I never received the chance to dispute this alleged debt before it was reported to the credit companies.Which is another FDCPA violation. To date, they have failed to provide me with the opportunity to start this process over and provide the required notices per the FDCPA. I am happy to discuss this matter futher.
08/24/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MO 631XX	Web
This company CHOICE RECOVERY which i have NO CONTRACT with is Reporting on my credit reports fraudulently. * Were you named on the original contract with the original creditor? * If not, do you have a contract between your company and me, signed by both parties? * If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? * Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? Verification is a sworn testimony so you should also be responding in that format. Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.
05/09/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 43054	Web
I had a procedure performed at XXXX XXXX in XXXX Ohio in late XXXX of 2016. I offered to pay the bill at the time and I was told that I did n't need to at the time because I have insurance. The next month we moved to a new temporary address as our home was sold and we were waiting for our new home to be built. We had our mail forwarded properly with th e USPS with each move. We never received anything from XXXX XXXX . In XXXX of XXXX I received a phone call from a collection agency named Choice Recovery. I told the collector that I never re ceived or a bill or a phone call about the bill. I immediately contacted XXXX XXXX and paid the bill over the phone. In XXXX of XXXX I received a collection notice form Choice Recovery that I owed them a collection fee. I never received the bill, yet I was expected to pay a collection fee. The office manager at XXXX XXXX refused to take or return my calls. I recently applied for a loan and had to pay higher interest because XXXX XXXX has placed late and collection fees on my credit report throu gh Choice Recovery. The same debt is on my credit report 2 times. I am certain this is a violation of the FCRA.
01/09/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NC 28209	Web
I had XXXX XX/XX/XXXX. XX/XX/XXXX, after insurance payments had been settled, my doctor 's facility billed me for {$3600.00}, which I believed to be in error. XX/XX/XXXX I contacted his office and spoke to the billing department and explained that because the doctor was in-network I expected to pay only my {$500.00} deductible. They agreed that I was eligible for the in-network rate, that I owed nothing to the facility, but instead I owed {$340.00} to the doctor to meet the remainder of my deductible. On XX/XX/XXXX I received this revised bill for {$340.00}, which I paid in full on XX/XX/XXXX. XX/XX/XXXX I noticed a collections account reported on my credit report for {$3600.00}. I had not recived any communication from this debt collector prior to the notice appearing on my credit report. I contacted the credit bureau for the debt collector 's contact information. I called them, explained this situation, and provided documentation. They are claiming that I still owe the original {$3600.00} which the doctor 's office billed in error. I attempted to resolve this with the doctor 's office directly, but the doctor has since moved and that office is no longer open.
04/02/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43228	Web
This letter is being sent to you in response to a computer generated, unverified account CHOICE RECOVERY INC # XXXX this inaccurate information was furnished by Claimant from several offices. Be advised that these claims are disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is been a nightmare to deal with this level of fraud. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. Regarding this alleged account, if Debt collector is different from the alleged Original Creditor, does Debt Collector have a bona fide affidavit of assignment to enter into original contract between alleged Original Creditor and alleged Debtor?
04/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 43147	Web
CHOICE RECOVERY XXXX. XXXX this account is a XXXX XXXX violation please delete.I have a a unverified account from CHOICE RECOVERY XXXX. I had previously disputed this account. I have never done business with CHOICE RECOVERY XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt CHOICE RECOVERY XXXX and I believe it is a XXXX XXXX violation. I request that CHOICE RECOVERY XXXX Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
11/15/2016	No	Debt collection Medical	False statements or representation Attempted to collect wrong amount	OH 45231	Web
I received a notice from a collection agency called Choice Recovery. I called and let them know that my insurance company is a contracted provider with the company they are collecting for and that my insurance company had paid and I was n't responsible for the {$890.00} amount they were collecting. I was told that they have to rebill my insurance company but that I may still be liable. I tried to explain that they are n't allowed to try to collect on a claim that was paid or denied through a participating insurance company as I had {$0.00} responsibility listed on my EOB. I called again this morning and let them know that I was going to follow up with my HR department and insurance company as they were n't following guidelines by threatening to send me to collections if I did n't respond within 30 days to their letter. I spoke with XXXX XXXX who told me that it did n't matter what my insurance company stated I owed them. I feel that this is a scare tactic and is an illegitimate way to collect money that is not owed to them. I wonder how many elderly or less informed consumers have paid them monies that they are not owed.
08/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43140	Web
This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC over accounts XXXX XXXX XXXX # XXXX, # XXXXThird-Party Collection Agency unable to validate the debt. Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtor 's account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that proof of Claim and verification.
11/29/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 45215	Web
I found a Collection company called XXXX XXXX XXXX XXXX on XX/XX/XXXX on my credit report stating that I owed a bill from a XXXX from 7 years prior. I have never been contacted by the XXXX about a bill being owed previous to XX/XX/XXXX.of any kind, so the next day when I got to work, I called the collection company, Choice Recovery and asked them about the bill. They had a wrong address, wrong phone number, personal and work and had duplicated the bill twice on their records, which she said she removed one of the bills ... both were for the same date and amount. I begged her to take this off of my credit report since I had been working for a year to build my report up, but she said there was nothing she could do and I needed to just pay the bill. I paid the bill immediately just to get rid of it, hoping that my credit report could recover. That was on XX/XX/XXXX, and the bill is still on my credit report, which I have called them back and called XXXX and XXXX XXXX, but to no avail. HELP!! XXXX said they had asked for verification from the collection company but had gotten no response as of XX/XX/XXXX.
11/14/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 43231	Web
I have a a unverified account from CHOICE RECOVERY. I had previously disputed this account. I have never done business withCHOICE RECOVERY XXXX,XXXX,XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt. I need a physical copy for my records a contract, proof of claim, or any signed documentation for my review.
03/13/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32308	Web
Debt last reported on credit report on XX/XX/XXXX. I have disputed debt of {$440.00} from Choice Recovery Incorporation in the past ( XX/XX/XXXX). No written notification was given 5 days before of said debt before being posted to credit companies. Debt was sold from original company to current debt collector ( violation of my rights ). Once debt was sold to another debt collection agency I am no longer responsible for this debt as this debt was sold off to another agency with whom I did not sign a legal contractual agreement with. Personal information was then exchanged from original company to debt collection agency which is a clear violation of my personal information/confidentiality without my consent or knowledge. Furthermore, I called Choice Recovery Inc. in XX/XX/XXXX to ask how to get in contact with original creditor : XXXX XXXX XXXX and they were unable to provide a phone number and state that debt was sold to Choice Recovery Inc. and had no way of pulling up my records. The only thing they could do was see how much was the balance I owed which was {$440.00}.
04/21/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34983	Web
I checked my credit report and a company called Choice Recovery , Inc was on my report. It stated account placed for collection opened XX/XX/XXXX in the amount of {$1000.00}. The credit bureaus showed the name of this company and the address. I disputed this with XXXX and XXXX, and both marked it as a valid debt. On XX/XX/XXXX I sent a certified letter to Choice Recovery, inc. asking for proof of what they are saying I owe them. I used the address that was listed on my credit report by both credit bureaus. I did not receive a response so I sent another certified letter to Choice Recovery , Inc. on XX/XX/XXXX. Today, XX/XX/XXXX I received my 1st certified letter back, which was dated XX/XX/XXXX, stating that it was not deliverable to this address. How can these credit bureaus report this as a valid debt when the address they are reporting is not a deliverable address? I'd like to file a complaint against XXXX, XXXX and Choice Recovery , Inc., as all three agencies have failed to provide any proof of this debt and have violated my consumer rights and have damaged my credit.
03/05/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OH 456XX	Web
XX/XX/XXXX received a collection letter from Choice Recovery regarding a medical bill with XXXX XXXX. Bill was in correct amount as we have been sending in {$20.00} payments. I contacted XXXX XXXX to find out why on XX/XX/XXXX because they just took a payment from us and our bank on XX/XX/XXXX but it was not documented, as well as other payments made. We have documentation proof showing where these amounts were approved and taken from the account. XXXX from XXXX XXXX in billing tried to say account was sent over to Choice Recovery on XX/XX/XXXX, however did not send us any notification. Choice Recovery ( XXXX XXXX ) is saying that they didn't get the account till XX/XX/XXXX and didn't know why XXXX XXXX would say that. He was extremely rude with me as I told him we had documentation on processed payments. Told me I could dispute it but that was it. Choice Recovery was trying to be very intimidating and didn't care that we had proof to show these payments. This poor documentation is effecting my credit and is unfair collection practices when this account was being paid on.
06/25/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 43231	Web
I did not receive the information and calls from the Choice recovery on XX/XX/XXXX, who then reported to Debt Collection. The expense occurred at XXXX XXXX hospital for my XXXX XXXX XXXX and paid my dues to the hospital but not informed that I owe money to Choice recovery or lab at that time. I only came to know when I received an alert from XXXX that collection has been reported! As soon as I see the alert, I called Choice recovery and made a payment on XX/XX/XXXX, and my report is updated. Still, I see my credit score is affected by this collection inquiry. Also, my credit score report states that the length of time accounts have been established are too short but I have been paying my mortgage loan since XX/XX/XXXX and closed my two car loans prior to it. So the above two are the mistakes that need to be resolved in my credit report as it is impacting my score and credibility. Because my current credit shows as XXXX compared to my XXXX FICO score from all the 3 bureaus. Please do the needful. Thank you and I appreciate your efforts in resolving my concerns.
02/28/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 45014	Web
I recently applied for a home loan and in doing so, I discovered a negative file on my credit report from Choice Recovery of {$41.00} for a medical debt. I have never received a bill or notice from Choice Recovery for this debt. Upon discovery I contacted Choice Recovery today, XX/XX/2019 and a representative informed me where the bill was coming from and it is for a service I received and I'm willing to pay for this bill. However, I have never received a bill prior to today to be able to pay and avoid this negative reporting. When speaking with the representative from Choice Recovery, it was confirmed that the address they had didn't include my unit number for me to be able to receive the bill properly. I asked that the negative reporting be removed due to this and was informed, the negative reporting couldn't be removed and only marked as closed and a satisfied debt if paid. This is unacceptable considering the error in the billing address they have. I request that I receive a proper bill at my correct address and the negative reporting removed from my credit file
04/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 43055	Web
CHOICE RECOVERY account NumXXXX I have XXXX unverified accounts from CHOICE RECOVERY. I had previously disputed this account. I have never done business withCHOICE RECOVERY Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt CHOICE RECOVERY and I believe it is a HIPPA Act violation. I request that CHOICE RECOVERY Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Numbers XXXX
08/26/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	KY 41017	Web	Servicemember
XXXX XXXXXXXX XXXX had the incorrect workers comp information and knew the debt was not mine but sent it to collections anyway. When I was contacted by Choice Recovery, I told them it was a worker 's comp claim and they still pursued the collection. XX/XX/XXXX, I was XXXX at work and filed a worker 's compensation claim. I was contacted by XXXX and given a worker comp claim number. XXXX XXXXXXXX XXXX began billing me Nine months later. I disregarded the bill thinking it was a way to get personal information and not a legitimate In XXXX, XXXX they turned the bill over to collections. ( Choice Recovery, XXXX OH } I XXXX XXXX received the wrong workers comp number from XXXX XXXX XXXX and wasn't able to file the claim. XX/XX/XXXX. I gave them the correct number and billing address. XXXX XXXX XXXX said they would resubmit the claim and contact Choice Recovery. I followed up with a call about three days later and they said they had contacted Choice Recovery. XX/XX/XXXX Choice Recovery submitted the debt to the credit bureau my credit score has dropped XXXX points.
07/25/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43110	Web
I have a a unverified account from CHOICE RECOVERY INC # XXXX. I had previously disputed this account. I have never done business with CHOICE RECOVERY INC # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.I believe this is a HIPPAAct violation as well.I request that CHOICE RECOVERY INC # XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
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 with XXXX, XXXX, and XXXX 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.
11/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 43232	Web
I have an unverified account from CHOICE RECOVERY. I had previously disputed this account. I have never done business with CHOICE RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt. THESE 2 ACCOUNTS HAVE BEEN PAID IN FULL - TRANSACTION ID XXXX XXXX THERE IS A {$0.00} BALANCE
10/22/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43206	Web
I have a a unverified account from CHOICE RECOVERY INC # XXXX, # XXXX, # XXXX. I had previously disputed this account. I have never done business with CHOICE RECOVERY INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I BELIEVE THIS IS A HIPPA ACT VIOLATION AS WELL. I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
02/20/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77493	Web
I did not know i owed {$120.00}. I did not receive any information from no one about this debt. I figure it out because my credit score dropped. then i called XXXX and they explained that one of my accounts was in collection for {$120.00} and it was a medical bill related to my son that has same name as me. No body call my phone number, no written information received. I always pay my bills, and i am never late, you can see my other account are clean and paid on time. It is not fear having this amount on my credit report just because lack of information and it is not my account. Please remove this from my credit until my son can resolve this account. Attached credit report. Complaint for account shows as : CHOICE RECOVERY INC # XXXX**** XXXX XXXX XXXX XXXX XXXX , OH XXXX ( XXXX ) XXXX Placed forcollection:XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$120.00} Date Updated : XX/XX/XXXX Original Amount : {$100.00} Original Creditor : XXXX XXXX XXXX Past Due : > $ XXXX<
12/16/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 43110	Web
The XXXX was on contract with my insurance to provide maintenance at no charge to me and only accept what the hmo paid. I had a XXXX XXXX problem ( my XXXX were painfully loose and leaning every morning ) they submitted as a routine XXXX clean instead of medical. My insurance sent me a letter explaining I am not responsible for their error and I owed nothing. I then received a collection letter and responded immediately. I faxed the insurance verification that I owe no money. XXXX XXXX thanked me for the fax and said they would take care of it. The next morning, the collection was on my credit report They didn't even wait the 30 days the collection letter allowed to resolve the matter. Suddenly a collection was on my account. I received a letter last week from choice recovery verifying I saw the dentist. That was not the issue. The issue was the responsive party for payment. I called and they ignored my call. I can't ignore this because I started applying for a usrda loan 2 days before this occurred. I have documents to upload to verify.
05/23/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH 433XX	Web
CHOICE RECOVERY INC I have a a unverified account from. I had previously disputed this account. I have never done business with CHOICE RECOVERY INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt CHOICE RECOVERY INC purport I owe. I request that CHOICE RECOVERY INC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
07/26/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43231	Web
I have a a unverified account from Choice Recovery Inc. I had previously disputed this account. I have never done business withChoice Recovery Inc. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Choice Recovery IncCease and Desist all further communications and collection activesand provide the verification of the purported debt. I need a physical copy for my records contract, proof of claim,
10/25/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 347XX	Web
Choice Recovery has been calling me about a debt that I did not know about last XXXX XXXX, 2015. I just recently found out, since checking my credit report that they have reported my debt that was actually from a dental bill that I thought was already taken care of as I was in and out of the dental office about at least XXXX times this year for my cleaning. I was always told that I did not have any outstanding balances. I know I have the right to get a letter about my outstanding balances and I never got one. I also know that 5 days after the collection company contacts you, they should also send out a letter about the debt they are trying to collect and from whom. I never got this. If it was not for me checking my credit report, I would have never knew about this debt. In conclusion, I am complaining about the unfair practices of Choice Recovery and the fact that they never sent me any other notice ( written letter ) besides leaving a very unclear message that they are a debt collector but never saying who they are calling for.
04/12/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 92124	Web
I 've been going to this dentist, here in XXXX XXXX, CA for a couple of years. In XXXX of this year, I received a collection notice from them. I called questioning the letter, since I had just had an appointment and was asked to pay {$60.00} ( my out of pocket expense ). When I got the collection notice a few weeks later, I called and told them about this collection letter and was told that the person that handled billing was not in, so I left a message asking for a return phone call. I got a call from someone and I explained the situation and she looked at my file and she told me that I had no balance. I was then called to confirm an appointment for XXXX. If I had an account in collections, then why did they call me to confirm an appointment? I canceled the appointment due to this unresolved matter. Any company you owe to, would not do business with you until you pay what is owed. My concern is that I was first told I had no balance ( after my out of pocket expense ), and then I am in collection, without an itemized statement.
11/26/2019	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 Difficulty submitting a dispute or getting information about a dispute over the phone	FL 32225	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX date of birth : XXXX My credit report is showing accounts I can not get resolved because when I search address to creditors it says fraud or address does not exist. Can you please help assist me? I do not know how to correct my credit report if creditors can not be tracked down. I need the original owners/bill collectors address of my bills so I can pay my bill. I dont even know if these are my bills and I keep asking for help my going through XXXX XXXX and have submitted paperwork to all three credit reporting agencies in the past. I have no clue who the bills originally were billed from and I do not know if these creditors are real. I want all bills mailed to my home address so I can approach paying my bill to the original bill collector. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX WI XXXX. Acct : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, OH XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX and XXXX XXXX XXXX XXXX, XXXX PA XXXX. Acct : XXXX
04/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 43004	Web
I have a a unverified account from CHOICE RECOVERY Account # XXXX. I had previously disputed this account. I have never done business with CHOICE RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt CHOICE RECOVERY purport I owe. I request that CHOICE RECOVERY Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
03/12/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH 43229	Web
I have an unverified account from Choice Recovery. I had previously disputed this account. I have never done business with Choice Recovery. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Choice Recovery provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Choice Recovery Cease and Desist all further communications and collection actives and provide the verification of the purported debt. Items from Choice Recovery are on my report in duplicate.
06/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77345	Web	Servicemember
XXXX XXXX XXXX!!! I hired this company because I'm a XXXX veteran. This company failed to render services for over a year after I paid them up front. I was told to sign a contract that would only last a year upon signing said contract NOTHING was done in regards to consulting or helping me with my VA claim. I didn't hear back from them for over a year and a half and then I was told that I owe roughly around or over {$5000.00}. After a year of waiting with no assistance by this organization, I gathered all the necessary documents on my own in order to continue with my case by myself I was then awarded After that I was then getting harassed by email and phone for about 4 months after that I noticed that I went to collections for a service that was not rendered. This company is a scam and not only did they NOT provide any type of service to me... but they then SCAMMED me and tried to claim that I had received full XXXX status because of their efforts when in fact they DID NOT assist me even once in this process.
04/08/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IN 46205	Web
Choice Recovery has acted deceptively with respect to my account and my wife 's, attempting to collect on a debt that is already paid, and filing false reports with credit agencies. They accepted referral of a debt that we were actively disputing with the original creditor. We were working with a consumer hotline ( the XXXX XXXX ) that had taken our case and was negotiating with the original creditor, who had been misleading in their business practices, but they aggressively referred it to collections rather than work with the hotline. As a result of the threat of collections, we paid the debt to the original creditor ( under duress ) in full on XX/XX/XXXX for both accounts. However, Choice continued to contact us claiming we owed the debt. On XX/XX/XXXX, weeks after the debt was settled, they falsely reported it to credit agencies as unpaid. This is despite the fact that they claim in letters that they will not report debts to credit agencies if they are paid within 31 days of the first contact, as this one was.
11/05/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 43224	Web
I have a a unverified account from CHOICE RECOVERY INC # XXXX. I had previously disputed this account. I have never done business with CHOICE RECOVERY INC # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY INC. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
01/26/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43230	Web
I have a a unverified account from CHOICE RECOVERY INC # XXXX I had previously disputed this account. I have never done business with CHOICE RECOVERY INC # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY INC. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
12/18/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60804	Web
I received a copy of my credit report and saw that Choice Recovery was listed as the account holder for an account. I had never recieved any notifications from this company that I owed them a debt. I sent letters to validate the debt on XX/XX/2021 and never recieved a response. I sent follow up letters on XX/XX/2021 and XX/XX/2021 and still have yet to receive a response from Choice Recovery. I would like to have this account deleted from my credit report because Choice Recovery has failed to validate this debt and send me a response in a timely manner. I have also filed disputes with the credit bureaus of which I have not heard from them either. Choice Recovery is listed on XXXX, XXXX, and XXXX. This month I noticed that XXXX is reporting the same account twice with different account numbers! All the other data is the same except the account numbers. I am filing this complaint for myself and have included my ID, copies of the credit report, and copies of the letters I have sent to Choice Recovery.
10/06/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 43230	Web
Recently while conducting a monitor of my credit report I discovered that Choice Recovery has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Choice Recovery but I am unaware of the amount due and the bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX to release my medical information to a third party. The following accounts that need to be disputed are as follows : 1. CHOICE RECOVERY : ACCT # : XXXX 2.CHOICE RECOVERY : ACCT # : XXXX 3.CHOICE RECOVERY : ACCT # : XXXX 4.CHOICE RECOVERY : ACCT # : XXXX 5.CHOICE RECOVERY : ACCT # : XXXX
04/25/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43229	Web
I have a a unverified account from CHOICE RECOVERY XXXX , XXXX . I had previously disputed this account. I have never done business with CHOICE RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
07/01/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 48235	Web
According to the fair debt collection practice act the collector is required to send notice of written debt validation within 5 days of the first contact. Choice recovery failed to comply they also failed to validate my debt after I sent them a debt validation letter. I spoke with a supervisor XXXX XXXX a XXXX XX/XX/XXXX who I informed that I replied within 30 days to the invoice sent with a debt validation request and I have received no information so why are you reporting to my credit. XXXX stated they have 45 days I then stated ok I mailed the debt validation within the time frame, he stated he did not know the date on the letter that I sent but they did receive it. I asked to talk to someone who could view the date he would not transfer me. This company does not follow rules or laws there XXXX communication to me was XX/XX/XXXX and it was a bill/invoice they NEVER followed up within XXXX business days and sent a debt validation letter. I am still waiting for the validation after my request/
01/24/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	SC 29708	Web
After reviewing a copy of my most recent credit report, I discovered a derogatory remarked placed on my report by a collection agency named : XXXX XXXX XXXX They are attempting to collect on an alleged medical debt in the amount of {$50.00} the Original Creditor is : XXXX XXXX XXXX. I ( Have No Knowledge ) of this alleged debt. In addition to that reviewing my credit report was the first time I had ever seen this information. I never received any written notice, phone call or any other form of communication regarding this debt prior to them placing this invalid information on my report. Never allowing the opportunity to dispute this item or request validation, pursuant to the Fair Credit Reporting Act on a debt that has clearly reached the statue of limitation for collection efforts. This agency blatantly disregarded the federal law and placed harm to my credit rating without my knowledge. Clearly there is a violation here which is why I pray that your agency will investigate this matter.
02/02/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TN 381XX	Web
Choice Recovery services filed a notification with the credit bureaus indicated I owed a debt to XXXX XXXX XXXX This negatively impacted by credit status by nearly 100 points. 1. The debt was false - I did not owe XXXX XXXX XXXX. 2. Choice recovery services refused to remove the debt from my name and update the credit bureaus, nor did the check with XXXX to verify the debt. 3. I contacted XXXX, who verified the debt was false and was not owed to them. 4. I contacted the Credit Bureaus and Choice Recovery rejected my dispute indicating it was still correct. 5. I contacted XXXX again, they contacted Choice Recovery to have to the collection removed. 6. Choice responded by saying that the debt had been paid as of XX/XX/2021 - they did not indicate that they had made a false report to the credit bureau, and my credit rating is still negatively impacted. 7. Spoke with Choice again today, and they said the only thing they can/will do is notify that bureaus that the debt has been satisfied.
05/03/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43229	Web
I request that CHOICE RECOVERY INC # XXXX formally substantiate account data CHOICE RECOVERY INC conferred to the major credit bureaus for me, XXXX XXXX , with respect to the unverified account # XXXX. Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction after my time as a student. I need more than a summary one-sheet. Instead, I have demanded a substantive validation. Should you be unable to comply with my request during this reasonable period, any data disseminated from you to the major consumer reporting agencies must be considered counterfactual and may bespeak CHOICE RECOVERY INC desire to ignore consumer protection law. If this is the circumstance, kindly annul such bureau reports upon your next transmittal. Thanks sincerely for your assisting me.
12/28/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 623XX	Web
Hi! I have had a recent dispute with XXXX that is now closed. My credit score ( prior to this event has always been in upper XXXX ) is dropping rapidly and keeps going down due to a debt from Choice Recovery that has this account listed under NOT MY NAME. The girl has my same date of birth, but her name is XXXX XXXX, which is not my name. I told both Choice Recovery and XXXX about this issue and they recommended the dispute, assuring me the issue would be caught and handled. I did threaten to send certified letters but I feel I have obtained enough evidence from a simple phone call to prove this isn't my debt- why should I have to go through all the extra work and extra expense when this isn't even MY DEBT! I will start sending these certified letters soon if my credit score continues to plummet. This is disheartening what is happening to innocent people who work really hard and pay back anything they borrow. It is very sad, and I hope someone can make this right for me and my score. XXXX
12/24/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 43054	Web
Dear Cust. Relations Mgr., I ask that you provide validation for account history information transmitted to any CHOICE RECOVERY INC # XXXX consumer reporting agencies for me, XXXX XXXX , for the so-called account number CHOICE RECOVERY INC # XXXX. Since personally harmful serious problems may be present within transmitted data, I am asking that your company mail this validated information within thirty days. Additionally, formally concur that you adhered to all provisions of the FDCPA or applicable laws after my term of enrollment as a student. Forward more than a cursory account history. In lieu of that this is a call for a formal audit. If these reasonable demands can not be met during this reasonable period, materials disseminated from CHOICE RECOVERY INC to any consumer reporting agencies should not be regarded as correct and may bespeak an abridgment of the law. Given that circumstance, vacate that reported information immediately. I appreciate any assistance you will provide.
03/29/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TN 379XX	Web	Servicemember
My recent credit report showed a charge off for {$9.00}. It's impacted my otherwise good score. The charge off was from Choice Recovery. Address : XXXX XXXX XXXX XXXX XXXX, OH XXXX. My account is XXXX XXXX. I've never received notice or a call of an outstanding collection amount. I called them today and they advised that I owed an outstanding {$8.00} for my daughter 's treatment at XXXX XXXX XXXX. Although I carry the insurance for her, I never took her to an appointment and agreed to pay any amount that may have been covered. My ex-wife would have done that and resolved with the provider. Any amount due would have been sent to my former address of XXXX XXXX XXXX in XXXX, GA. Again, I never received a notice as I haven't lived at that property for 5+ years. This collection agency wouldn't do the decent thing and remove this amount and had to follow up with the provider, but they couldn't even prove if I was listed as the guarantor for the bill with my address/signature.
01/10/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30022	Web
Choice Recovery - {$130.00} for XXXXXXXX XXXX XXXX XXXX I pulled my credit report because my bank refused to re-finance my home and found out that Choice Recovery XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX has reported a collection on behalf of XXXX XXXX XXXX XXXX. I never availed these services and disputed the collection when they sent me the bill. I took my son over there for XXXX XXXX XXXX XXXX but never got it done as they quoted me different amount over the phone but were charging me the double when I went there. I never got his XXXX XXXX and came out of the dental office. I disputed this charge when XXXX sent me a letter and talked to XXXX of their agents as well. XXXX XXXX XXXX XXXX is notorious for charging different amounts to customers and have several review complaints similar to mine. Please contact me at your earliest convenience for more details as this is hindering my re-financing and they put a collection for the services never taken.
04/09/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH 43119	Web
I have an unverified account from CHOICE RECOVERY. I had previously disputed this account. I have never done business with CHOICE RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( XXXX ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
03/21/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	OH 43219	Web
I have an unverified account from Choice Recovery. I had previously disputed this account. I have never done business with Choice Recovery. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Choice Recovery P\provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Choice Recovery Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
12/09/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH 43232	Web	Servicemember
I have an unverified account from CHOICE RECOVERY. I had previously disputed this account. I have never done business with CHOICE RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
06/26/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60048	Web
On XX/XX/2020 I received a bill from Choice Recovery , Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX claiming that i had a past due debt of {$75.00} from XXXX XXXX XXXX. I called Dr XXXX to ask him about the alleged debt because I had never received a bill from him and there was no record of XXXX or XXXX processing any claim for services rendered. He referred me to his billing person who confirmed that I did not owe them any money. He also said that the doctor did not have a relationship with Choice Recovery , Inc . I wrote a letter to Choice Recovery on XX/XX/2020 disputing the bill under the Fair Debt Collection Practices Act. On XX/XX/2020 I received three letters from Choice Recovery claiming falsely that they had verified my debt with the doctor. I again called the doctor 's billing department who told me that this was false, that they had no relationship with Choice Recovery. So the second attempt to collect this debt can only be a scam in my opinion.
03/17/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 43232	Web
Recently while conducting a monitor of my credit report I discovered that Choice Recovery Inc, # XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Choice Recovery Inc, # XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.
09/01/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MI 48088	Web
On XX/XX/2020 by certified letter I contacted Choice Recovery in regards to an alleged debt appearing on my credit report. Letter attached. In goodwill I offered to quickly resolve this account by paying the {$170.00} if Choice recovery agreed to delete this from any and all credit reporting agencies. Paying this unverified amount is no benefit to me if they do not agree to delete.I know they have the absolute right to report, not report or delete from all credit agencies. A validation letter was also sent to Choice Recovery. Letter attached. On XX/XX/2020 I received a letter form Choice Recovery also attached. The letter does not confirm validation. No signed contract or agreement, payment history, license numbers and the name of a registered agent licensed to to collect in Michigan but instead the letter I received is only a threat to attempt to collect alleged debt by any means without any validation or response to my goodwill attempt.
07/29/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30084	Web
I had a minor in office procedure in XX/XX/2020. I kept getting bills that my insurance stated I was not covered. My insurance had received no claims from this provider. I called the billing company no less than three times but kept receiving a bill for the entire amount claiming I was not covered by my insurance. Frustrated, I went to the doctors office in person and sat down with the woman in charge to straighten this out once and for all. I sat in her office until the problem was corrected. Before I even got the new bill I was reported to the credit companies which has effected my credit for several months as derogatory. I paid my remaining balance to the practice the day I received the bill. The check was cashed on XX/XX/XXXX. I sent a copy of the paid in full check to Choice Recovery the credit collection agency. The doctors billing office has continued to deny that I am paid in full even though I have provided a copy of the check.
12/30/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 32211	Web
XXXX placed emergency room services on my credit report, however on XX/XX/2016 I reached out to XXXX regarding the payment they accepted from my insurance also the company they reported the invalid debt to. XXXX claimed they never sent anything to the credit collection company because the claim was paid well within the timefram after services were rendered ( timely filing, and payment was collected ). I sent this company the EOB as requested from the XXXX showing XXXX was paid and they were just lying about not placing the debt in their office. This company sent me a letter in the mail stating the debt has been validated. At this point I will contact my insurance company to have all claims paid to XXXX reversed due to the integrity of this establishment they have placed the whole debt on my credit for all services in full, however they gladly cashed a insurance check which is also fraudulent who did they take my insurance payment for.
10/22/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30252	Web
A third party placed 2 medical debt on my credit report. one for {$5.00} and one for {$95.00} XXXX. I have medical insurance through my job. I also thought it was illegal to place medical debt on credit reports. I asked how did they get their balance without knowing what i was seen for and i asked what date was i seen and they said they didnt have that information so therefore it shouldnt be on my credit report as accurate because without knowng my service how do you really know this is what i owe, I also told them that knowing my balance is also 3rd party and i didnt sign anything giving someone authority to release my information about the balance or anything. This little {$5.00} that the credit agency allowed them to place on my credit report prevented me from getting a mortgage and its not right to destroy someone creditbility for {$5.00} and {$95.00}. Medical is against hippa to be on a credit report to hold someone in bondage.
05/16/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	FL XXXXX	Web	Older American, Servicemember
Choice Recovery violated Public La w 95-109, Section 805-C, THE FAIR DEBT COLLECTION PRACTICES ACT to hereby CEASE AND DESIST. THEY DID NOT CEASE AND DESIST AS THEY DID NOT REMOVE THE DEROGATORY INFORMATION FROM ALL OF THE CREDIT REPORTING BUREAUS FILES. I was advised by the credit bureaus, that Choice Recovery placed th e account for collections per attachment. I submitted per attachment under Public La w 95-109, Section 805-C, THE F AIR DEBT COLLECTION PRACTICES ACT to hereby CEASE AND DESIST in any and all attempts to collect the above debt. Pursuant to the Fair Debt Collection Practices A ct. 15 U.S.C.A 1601.1692 et al, and to remove the derogatory information on my credit bureau files. CEASE AND DESIST in any and all attempts to collect the above debt. Pursuant to the Fair Debt Collection Practices A ct. 15 U.S.C.A 1601.1692 e t al, and to remove all derogatory information on my credit bureau files.
05/16/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	FL XXXXX	Web	Older American, Servicemember
Choice Recovery violated Public L aw 95-109, Section 805-C, THE FAIR DEBT COLLECTION PRACTICES ACT to hereby CEASE AND DESIST. THEY DID NOT CEASE AND DESIST AS THEY DID NOT REMOVE THE DEROGATORY INFORMATION FROM ALL OF THE CREDIT REPORTING BUREAUS FILES. I was advised by the credit bureaus, th at Choice Recovery placed the account for collections per attachment. I submitted per attachment under Public L aw 95-109, Section 805-C, THE FAIR DEBT COLLECTION PRACTICES ACT to hereby CEASE AND DESIST in any and all attempts to collect the above debt. Pursuant to the Fair Debt Collection Practices Act. 15 U.S.C.A 1601.1692 et al, and to remove the derogatory information on my credit bureau files. CEASE AND DESIST in any and all attempts to collect the above debt. Pursuant to the Fair Debt Collection Practices Act. 15 U.S.C.A 1601.1692 et al, and to remove all derogatory information on my credit bureau files.
05/26/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32177	Web
Around XXXX I noticed that a collection agency by the name o f Choice Recovery was reporting XXXX debts on my credit report. Initially, I disputed those debts with the credit bureaus as having no knowledge of the debt. Well the debt was deleted from XXXX and XXXX . After several of unsuccessful attempts of disputing the debt directly with XXXX and requesting proof of what was actually used as verification I then reached out directly to the Collection agency. On several attempts I requested that they provided me validation of the debt, proof that I specifically and legally was responsible for the debt as well as they were able to legally collect on the debt. As of date I have received no validation of the debt or requested proof. Request were sent certified mail on XXXX / XXXX / XXXX , and XXXX XXXX , XXXX and XXXX / XXXX / XXXX . Please see attached verification of disputes, and request for validation
05/05/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32822	Web
I'm filling this complaint against the following companies XXXX XXXX and Choice Recovery. It all started when I apply for a loan I discovered this fault information reported by this XXXX companies on my credit file. I contacted the company in writing asking for debt validation they ignored my request. I hired a law firm to work on my behalf they also ignored my lawyer request those companies thinks they're above the law. XXXX XXXX and Choice recovery has a history of fraud. I was in a car accident in 2018 my insurance company paid XXXX XXXX in full for both of my XXXX XXXX. My lawyer has all the evidence I don't own either of this companies a XXXX. These fraudster 's has damage my credit I plan on seeking legal actions against both of them. I attached all the letters from me and my XXXX that was sent out to the companies and the credit bureaus. XXXX ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER for Choice Recovery
12/02/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 323XX	Web
RE : Intent to file lawsuit, HIPPA Privacy Violation. Validation Letter sent to : Choice Recovery. Account # : XXXX. Original Creditor : XXXX XXXX XXXX. To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by Choice Recovery that clearly violates my rights according to HIPPA Act of 1996. XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to Choice Recovery and XXXX XXXX XXXX ; therefore by providing such information they are in VIOLATION of my HIPPA rights. I have filed a HIPPA violation against XXXX and XXXX and I am proceeding with legal action as prescribed by law against XXXX XXXX XXXX and XXXX XXXX XXXX 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 as well.
01/25/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 34668	Web	Servicemember
After viewing my credit report, my son made a payment to take care of my medical debt that went into collections mid last year XXXX. There were 2 collection companies : Choice Recovery and XXXX XXXX. Payment made XXXX/XXXX/XXXX for {$57.00} then the remaining balance XXXX/XXXX/XXXX for {$53.00} to Choice Recovery. and One time pyment made XXXX/XXXX/XXXX for {$56.00} to XXXX XXXX XXXX XXXX. Viewing my credit report, XXXX XXXX still has my account with an open balance when it 's been paid in full XXXX/XXXX/XXXX. ( Opened XXXX/XXXX/XXXX and Reported XXXX/XXXX/XXXX ). Choice recovery should be removed/deleted please ... as agreed upon prior to payment was made XXXX/XXXX/XXXX. This was a 3-way phone call, since my son was making the payment over the recorded conversation via telephone. I am viewing my son 's bank statements as of XXXX XXXX, XXXX and my credit report as of XXXX XXXX, XXXX. Thank you.
03/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	OH 43211	Web
This information reporting on my reports and to third party creditors I dont know the addresses or information listed on the report it is not mine. And my name is even inaccurate.I couldn't obtain XXXX or XXXX they wouldn't give me my free report they report to outside agencies. I am disputing this information. Its preventing me from getting proper housing. XXXX, XXXX, OH XXXX, XXXX, TXXXXX-XXXX, XXXX, NCXXXX- XXXX, XXXXXXXX , TXXXXXXXXX-XXXX, XXXX , TXXXXX-XXXX, XXXX , TXXXXXXXXX-XXXX, XXXX , FLXXXX-XXXX, XXXX , FLXXXX-XXXX, XXXX , NCXXXX XXXX, XXXX , OHXXXX XXXX, XXXX , NC 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 Never done business with these companies XXXX # XXXX CHOICE RECOVERYINC # XXXX ,XXXX listed twice with misspelled name
04/19/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30067	Web
on XX/XX/20, I received an email from by credit card company notifying me that my credit score had dropped. This prompted me to check my credit report to see 2 collection accounts on my credit file from Choice Recovery , Inc. ( collection agency ) each for {$35.00} with XXXX XXXX XXXX. I had never heard of Choice Recovery , Inc. until XX/XX/20. I called XXXX XXXX XXXX and they confirmed they had made an error and the account had a XXXX balance. Choice Recovery , Inc. has 2 collection accounts on my credit file and did not validate the debt or give me opportunity to dispute the debt. The false reporting remains on my credit report. Choice Recovery, Inc. needs to be held responsible for making false reporting to the credit bureau 's and causing damage to people 's lives. thank you for your role in helping with this situation and putting Choice Recovery , Inc. on notice for their actions.
11/20/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32714	Web
I received a notification through one of my credit monitoring apps that a negative mark had been placed on my credit report. I immediately checked and the only information reflected on my report was that it was a collection notification from Choice Recovery. I have excellent credit ( just purchased a home and vehicle without any issues ) and I do not owe anyone any outstanding debt. I believe this is an inaccurate notification on my credit report by Choice Recovery in that I have never received any written notice or telephone notice regarding a debt owed by Choice Recovery or any other creditor. I believe this is either an honest mistake by Choice Recovery or a blatant disregard for the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and violates my rights under both by not sending any form of debt validation requirements under these statutes.
01/05/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 430XX	Web	Servicemember
I just found out today that a medical bill I owed was placed with a debt collection agency. I was not notified by the agency that they have my debt and given the opportunity to dispute it with them. I tried multiple times to dispute the debt with the original medical provider. I am being charged for care I received from the physician while he was under the influence of XXXX and XXXX. He was arrested, his practice shut down, tried and admitted to it to the DEA and pharmacy board. I do not feel I should have to pay for services from this physician. He shut his office down without notification to his patients. Refused to honor my requests for medical records that I faxed to the office that was still accepting them. I was unable to find a new physician to accept me without his records or a referral and it took a year to find one that eventually did uncover my XXXX.
09/26/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 452XX	Web
I received a bill from XXXX XXXX XXXX for {$600.00} for Date of Service XXXX I forwarded the bill to my insurance company. My insurance company paid the bill on XXXX/XXXX/XXXX. A few months later, I noticed a derogatory mark on my credit report from Choice Recovery for the bill from XXXX XXXX XXXX, which had already been paid by my insurance company. I contacted XXXX XXXXXXXX XXXX and they verified that the bill had been paid and there was no balance due on my account. I called Choice Recovery, but my calls always went to voicemail. I left a message explaining that the bill had been paid and that I have proof of the payment, if they need it. I also filed a dispute with the credit bureaus and sent them proof of the payment. However, to date, Choice Recovery has refused to remove the inaccurate reporting of this account as delinquent from my credit reports.
07/20/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WY XXXXX	Web
I checked my credit report on XX/XX/XXXX to see TWO accounts with FOUR trade lines for Choice Recovery for XXXX XXXX XXXX that are invalid. I have never received any correspondence about any of the accounts listed on my credit report, nor did I receive any right to dispute or a debt validation and never received a debt verification per the Fair Debt Reporting Act. I am supposed to be notified of any pending debt and given a chance to dispute or resolve the debt before reporting. XXXX - XX/XX/XXXX - {$400.00} XXXX - XX/XX/XXXX - {$520.00} Reporting this is a HIPAA violation as I did not sign any HIPAA release with XXXX XXXX XXXX to have my information transferred to another agency. Once XXXX XXXX XXXX sold the accounts, they are no longer valid to collect on as all responsibility on my part was absolved with the violation of my HIPPA & privacy rights.
05/17/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43062	Web
I found this unrecognized account CHOICE RECOVERY INC # XXXX*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, and there is some contractual obligation which is binding on me to pay this debt. Below are a few questions to answer which may help you to resolve these mistakes. 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. Im 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.
06/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43227	Web
I found this unrecognized account CHOICE RECOVERY INC # XXXXUnder 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, and there is some contractual obligation which is binding on me to pay this debt. Below are a few questions to answer which may help you to resolve these mistakes. 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. Im 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.
03/27/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 43229	Web
Recently while conducting a monitor of my credit report I discovered that Choice Recovery has furnished some items that has been unverified. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Choice Recovery but I am unaware of the amount due and the bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more than XXXX XXXX XXXX is to only be revealed with the patients authorization.
12/16/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA XXXXX	Web
On XX/XX/XXXX I was informed by my credit monitoring service that a collection from Choice Recovery , Inc., this debt collector was contacted on this day and I was informed that the address that they have on file has incorrect street number and therefor I never received any written communication from the original debtor nor the collection agency. The dental office that placed in collection has had a communication with me since XX/XX/XXXX to file an appeal with my insurance company which was received by XXXX XXXX on XX/XX/XXXX. The collection agency also advised that they were not made aware that this claim was in an appeal process. The collection agency should be required to remove all derogatory reporting from all 3 credit bureaus due to the Fair Credit Report Act not being followed allowing me 30 days to dispute the validity of the debt.
12/24/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 451XX	Web
Choice Recovery is reporting FOUR collection accounts under my credit report. My SS # is XXXX, XXXX XXXX, DOB- XX/XX/XXXX. There are no account numbers reported The balances are {$290.00}, {$94.00}, {$99.00} and {$280.00}. This compnay called me ONCE over these accounts, I disputed these accounts right away! Two accounts were paid and setteled and teh other two I paid through my HSA!!!!!!! I asked for proof of what I am now being billed for and they never sent it!!!!! They are in violation of FDCPA 1692 ( g ) ( a ) and ( b )!!!!! My credit score has gone down 115 points due to there inaccurate reporting!!!!! These debts are not owed and they never sent me proof of what I am even being billed for before they reported these accounts to the bureaus!!!!!!! These Four accounts needs to be removed from collections under my credit reporting!!!!
04/14/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32218	Web
I started disputing this company in XXXX of XXXX into XXXX and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that the alleged debt belongs to me. This is the 4th time this debt was sold after proving that this alleged debt isnt mine due to the companys insufficient proof and a copy of a printout bill isnt proof this is affecting my ability to get a new home. I don't know why I'm being treated like this. Also, the company is reporting false information on my credit report such as not reporting Choice Recovery but the alleged Doctors office " XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX with acct numbers : XXXX - {$47.00} and XXXX - {$48.00} I called the number on my credit report and its listed XXXX XXXX XXXX
05/24/2018	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	OH 45036	Web
I received a phone call about a week ago and regards to a medical collection from choice recovery and I asked them to send me documentation so that I may dispute. I received a documentation today but on the outside of the envelope it says choice recovery which obviously makes it sound like it is from a collection agency. This has been sitting in my mailbox for a day or two and my neighbor happen to see it and questioned if I was getting a collection notice since it said choice recovery. I was humiliated and I was embarrassed And Im wondering how many other people actually saw that I was getting a collection notice. I want to choice recovery to know that I will be contacting a lawyer if I do not hear back from them within 60 days. I feel this is a violation of the FDCPA and should be awarded {$5000.00} in damages.
11/06/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30228	Web
I am being asked to pay a debt that i do not owe. I was fraudulently charged for services by a XXXX Provider who was not Authorized as a Network Provider. The Provider did not disclose that he was not a XXXX XXXX Provider and submitted a claim that was denied by my insurance company. I HAVE INCLUDED PROOF OF MY COVERAGE AT 90-100 % at the time service was rendered. I have provided proof that the Provider was not authorized at the time of service.I do not owe this debt. I am being billed due to negligence on the providers part. This bill has been sent to CHOICE RECOVERY who is demanding payment. I do not owe this debt. I have informed CHOICE RECOVERY THAT I DO NOT OWE THIS DEBT and they illegally placed this item as unpaid debt on my credit profile. This has caused a negative impact on my credit rating.
04/17/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	VA 23225	Web
I remained in contact with XXXX XXXX to include additional appointments at which no time they mentioned the bill nor sent me a bill since XX/XX/XXXX. I was paying {$25.00} a month. I sent in for financial assistance on 3 occasions, I called, I emailed. Then it began to report on my credit as of this month, XX/XX/XXXX. Again, I contacted XXXX XXXX and emailed them. They have not responded. I contacted Choice Recovery and disputed also via phone. I have disputed on my credit bureau also. This is ruining my credit. I am XXXX with limited income and they are failing to properly communicate with me and they have reported debt to damage credit and are causing undo hardship without assisting me financially through a hardship program! Choice Recovery has NEVER contacted me. This just appeared on my credit
07/10/2022	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	OH 45036	Web
I advised that this account that is reporting on my credit profile through XXXX as of XX/XX/2017 from an unknown collection company by the name of Choice Recovery for the amount of {$600.00} do not belong to me and is reporting inaccurate incorrect information on my credit profile this medical bill showing up on my credit profile is not mine. I do not go and have not been to any hospital 's or doctors ' in Over 20 years. I only use natural remedies only I do not believe in XXXX XXXX or prescriptions. XXXX is breaking the law along with Choice Recovery with report inaccurate incorrect information. Per 15 U.S. code section section 1681b ( g ) ( 3 ) prohibits such information from these collection companies and credit report agency from breaking the law with their alleged investigation 's.
07/18/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 782XX	Web
On this date company opened a collection Account # XXXX XXXX XXXX Balance- {$680.00} Account # XXXX XXXX XXXX XXXX Balance- {$450.00} Account # XXXX XXXX Balance- {$600.00} Account XXXX XXXX Choice recovery Balance- {$600.00} Account # XXXX Choice recovery Balance- {$320.00} Account # XXXX Choice recovery Balance- {$320.00} Account # XXXX Choice recovery Balance- {$600.00} Account # XXXX Choice recovery Balance- {$600.00} 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 owe this debt to this alleged company Please have this removed from Al three credit bureaus XXXX XXXX XXXX XXXX
09/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
I attempted to reach this company by phone yesterday XX/XX/21. I advised them that my boss had received a collection letter which we need to dispute but that I do not need any account information, just two pieces of contact information. ( 1 ) Is there a fax number where we could send a dispute so it can be verified received faster? ( 2 ) Is there an email address for the same reason- for XXXX XXXX ( signed the letter ) or anyone else? They flat out refused to give me CONTACT INFORMATION for CHOICE RECOVERY. They kept telling me for privacy reasons they could not give out account information. Well, of course not, which is why I wasn't asking for account information. I asked for contact information for a debt collection agency- and they REFUSED to give it to me.
01/01/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 325XX	Web
There is no business record under XXXX XXXX XXXX. There are however many complaints against this company who is now going by the name of Choice Recovery with an address of XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX. This company has falsely reported to XXXX that I have a medical account in collection status all in attempts to manipulate money out of me. Since I have no knowledge of their claims I requested a transaction history from our local hospital as well as a transaction history from their billing agency. There are absolutely no records of an outstanding medical bill and neither is there a record of a visit during the timeframe Choice Recovery reported to XXXX. This company has caused the same and similar problems with other consumers. Reference XXXX
10/22/2015	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	OH 430XX	Web
XXXX billed an eight year old address attempting to reach me for a medical bill. No response was recieved because I did not live at the address they were billing. XXXX turned the invoice to a collections agency, collection agency continued to bill the old addressI had no knowledge of this information until I needed to purchase a car where the discrepancy showed up on my credit report. XXXX refuses to submit a letter of untimely filing so my insurance company will pay the billI still do not know where or how the old address was obtained by XXXX. I would never recommend using this medical lab. XXXX insists I lived at the address that was billed and I received sufficent notice of the debt. I can provide public records to show I did not live at the address.
03/29/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	MO 63011	Web
My XXXX XXXX has not fulfilled their portion of responsibilities agreed upon in the contract. When my daughter 's XXXX was damaged, I notified them right away amd for four ( 4 ) months I continuously contacted them to see when her new XXXX would be delivered and when I could have it replaced. I do have documentation of any and all attempts of communication to recrify the situation as well as the lack thereof. They made absolutely no effort to order the XXXX in a timely fashion let alone maintain open communication regarding her replacement XXXX that has stil yet to be received. The only time this " business '' attempted to contact me was when I stopped payment on an XXXX and services I was no longer receiving due to their blatant neglect and avoidance.
03/04/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OH 43130	Web	Older American, Servicemember
RE : Account # XXXX XXXX of XXXX. In XX/XX/2015 I was referred to Integrated by the VA through the VA Choice Program which allows Veterans to see a doctor outside of the VA Medical System if an appointment with the VA can not be obtained within 30 days. I informed Integrated that ALL of my medical expenses are paid by the VA because of my disability rating. Despite that and numerous conversations with XXXX and subsequently with the collection agency it referred my account to for collection - Choice Recovery - they refused to submit my claim to the VA and instead reported it to the credit bureaus. I want this credit report removed from my credit record. Your bureau is my last resort short of a formal complaint I will have to file with the courts.
03/21/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33990	Web
this particular agency is still trying to collect a non verfiied debt against me. on XX/XX/2017 I have paperwork that states the following '' be advised that choice recovery, Inc has requested deletion of the account placed by XXXX XXXX XXXX XXXX acount number blab blab to be removed off your credit report. suddenly in the middle of nowhere the agency has reinstated the debt, which is a violation of itself without my express consent. you have also agreed to removed the information from my credit file the second time back in XXXX which has not happened as of yet. I have you choice recovery still reporting on my credit which is hinding my ability to move forward with my life. I will not give in with this, and will continue to fight this battle.
08/27/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH XXXXX	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.
08/27/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH XXXXX	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.
05/17/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 112XX	Web
Choice Recovery, Inc. sent me two statements XXXX XX/XX/XXXX and XX/XX/XXXX for XXXX XXXX, XXXX for {$320.00}. I sent the firm a cease letter by certified mail on XX/XX/XXXX and the firm still reported this debt to the CRA. I had to dispute it to have it removed. Choice Recovery, Inc. sent another letter on XX/XX/XXXX for XXXX XXXX, XXXX for {$170.00} I sent the firm a cease letter on XX/XX/XXXX and the firm still reported this debt to the CRA. I need this false reporting removed from my credit report and the firm needs to know the FDC act. Its just a matter of time before they create another fake collection with a diffrent dollar amount and disregard my cease letter and report it to the credit reporting agencies. I need this to stop.
02/14/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32256	Web
Beyond the Statute of Limitations ... My credit reports reflect a balance for {$370.00} for medical services received in XX/XX/XXXX/XX/XX/XXXX. The " Opened Date '' reflects XX/XX/XXXX. I believe the reporting of this debt is beyond the 5-year Statute of Limitations in Florida. Furthermore, I believe Choice Recovery Inc. secured this debt improperly and have reported the balance with full knowledge that they have no rights regarding collections and reporting as their doing so violates Florida statutes regarding medical debt. I would like Choice Recovery Inc. to cease monthly reporting for this debt for which I believe I am no longer liable for and I would like this debt to be deleted from all 3 credit bureaus and never re-reported.
02/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60074	Web
On XX/XX/XXXX, XXXX XXXX ( Date opened XX/XX/XXXX and XX/XX/XXXX ) add a derogatory mark on my credit reports. CHOICE RECOVERY did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
09/26/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 604XX	Web	Servicemember
On Monday, XX/XX/2018 a phone call was placed to Choice Recovery inquiring on statement dated XX/XX/2018 with a total balance due in the amount of {$190.00} for a XXXX XXXX XXXX and to advise that the amount showing on the statement was paid directly to XXXX XXXX 's office and that they should contact XXXX XXXX 's office to verify payment. The representative from Choice Recovery demanded my medical insurance information for verification purposes in which I refused to divulge that information as Choice Recovery is a third party I had no relation with. I was then advised that if payment was not received the account would be placed as a collection in my credit bureau file. Choice refused to verify payment with XXXX XXXX 's office
07/14/2022	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 93313	Web
I was enrolled in a XXXX XXXX program with XXXX University now known as XXXX University in XXXX OH. I was enrolled in a class XX/XX/2020 and subsequently dropped it within a timely manner. School officials confirmed tht my class was successful dropped and there was no mention of getting charged anything. It was several months later that I got notification from credit bureau that I had an account that was in collections. I contacted XXXX University and they werent able to resolve my issue. I was not mailed any communication regarding the collection how to appeal. XXXX University fraudulently lures students into enrolling in their programs yet they fail to communicate with the students regarding their financial aid status.
04/01/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75006	Web
There is a collection bill on my XXXX credit report from Choice Recovery since XXXX. This charge is actually for my ex husband, XXXX XXXX XXXX. I did not accompany XXXX to his XXXX visit, neither did I sign or agree to take responsibility for this charge. I started in XX/XX/XXXX disputing this with Choice Recovery advising them of this. On numerous occasions by phone, written correspondence & via their website u have requested that Chouce Recovery provide a copy of the invoice to prove that this service was for me. As if today, XX/XX/XXXX, they have not complied with my request. I asked that if they could not prove this charge was my responsibility to remove this collection account from my XXXX credit report.
03/31/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 119XX	Web
I had a XXXX visit at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, and have insurance that covered most of the bill. My visit was in the summer of XXXX. I received a bill for {$10.00} from them for the amount that wasn't covered. After a few weeks, I paid the {$10.00} I owed. I received no mail from XXXX XXXX afterward. The only correspondence I had was a voicemail they left for me to schedule a visit. Today, XX/XX/XXXX, I received a letter from Choice Recovery, XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX, Ohio XXXX dated for XX/XX/XXXX, stating the {$10.00} amount is in collections. I received no warning from the XXXX XXXX prior to this and have excellent credit. I would never have let a {$10.00} Bill go unpaid.
12/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 45140	Web
On XXXX XXXX, 2020, CHOICE RECOVERY INC add a derogatory mark on my credit reports. CHOICE RECOVERY INC did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
12/04/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	DE 198XX	Web	Servicemember
I am showing that I have a debt with XXXX XXXX XXXX XXXX {$1000.00}. The problem is I never stayed at a XXXX XXXX or visited a XXXX XXXX, I have disputed this charge over and over and it has yet to be validated I do not believe this is a valid debt. I have always either had insurance or medicaid and this has never been billed to either one. The only reason I know about this is because it keeps showing up on my credit report I have no account number or date of service. All I can provide is a screen shot where this debt is showing as a collections account with Choice Recovery INC. How can a company just randomly add a medical bill that I have no idea about to my credit and never send me anything in writing
03/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43209	Web
Reviewed my credit report and a medical account was added I am allowed under the HIPPAlaw [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX 'S COLLECTIONS # XXXX, CHOICE RECOVERY INC # XXXX, CHOICE RECOVERY INC # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX 'S COLLECTIONS # XXXX, XXXX XXXX XXXX # XXXX, CHOICE RECOVERY INC # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPAauthorization.
02/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 45040	Web
CHOICE RECOVERY INC add a collection ( medical ) on my credit reports. 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.
12/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 333XX	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
12/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 45040	Web
On XX/XX/2014, CHOICE RECOVERY add a derogatory mark on my credit reports. CHOICE RECOVERY did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
11/09/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 630XX	Web
After viewing my annual credit reports I noticed a collection account with Choice Recovery ( acct XXXX ) for {$540.00}. They are attempting to collect a debt owed to XXXX XXXX XXXX for {$430.00}. I disputed the validity of the debt with all three credit bureaus as I have not had any business dealings with this company. The response from the creditor came back as verified. My dispute included a request to see my signature as the responsible party but I was not provided with any documentation. I have no knowledge of this debt and have never used their services or agreed to pay for services rendered to another party. I am requesting this account be removed from all three of my credit reports.
01/08/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
According to the Fair Credit Reporting Act, you 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. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.
01/19/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH 450XX	Web
I received a call regarding an old disputed medical debt. We have fought the original creditor because I was on XXXX and no bill should of existed. The collection agency was told of this dispute yet still applied the disputed, inaccurate item on my credit bureaus. When I requested they validate the debt they responded with a letter claiming we can validate but due to HIPPA Regulation we ca n't supply that information. So they reported information on my credit history but refused to validate the debt. They have violated FDCPA and FCRA and even though I have disputed this debt that they refuse to validate, they continue to report the inaccurate information damaging my good credit.
11/04/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 070XX	Web
I received a collection letter from Choice Recovery Inc. alleging a debt to XXXX XXXX XXXX in the amount of {$120.00}. I responded in writing to inform Choice Recovery Inc. that I have no record of any {$120.00} debt to XXXX XXXX XXXX, which office routinely makes billing errors, and that a bona fide dispute exists as to whether or not this debt exists. I did not hear back from Choice Recovery Inc. ; certainly they did not provide me any documentation to evidence the existence of this debt. However, on XX/XX/2018 Choice Recovery Inc. informed the credit ratings agencies that this debt had been placed for correction. My FICO score dropped immediately dropped from XXXX to XXXX.
03/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43213	Web
Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to I XXXX XXXX XXXX # XXXX, CHOICE RECOVERY INC # XXXX, XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX XXXX # XXXX, CHOICE RECOVERY INC # XXXX, XXXX # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPAauthorization.
05/28/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32277	Web	Servicemember
Choice Rec Is reporting 4 collection accounts that are a result of Idenity theft. One in the amount of XXXX. Two in the amount of XXXX and one more in the amount of XXXX. I notified XXXX and added a fraud alert to my profile. XXXX opened a dispute and they claim that the accounts were verified. per the FCRA once the credit agency receive notification that the account is related to Idenity theft they have 4 days to remove it from my credit report. I gave notification to XXXX on XX/XX/XXXX and all they did was open a dispute. I would like these accounts removed from my report immediately please. This is stopping me from receiving Financial assistance Needed due to Covid 19
07/11/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43219	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
11/13/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX XXXXX	Web
It shows on my credit report that on XX/XX/2019 a amount of {$180.00} : A amount of {$36.00} ; a Amount of {$36.00} ( twice ) is owed to CHOICERECOV ( Original Creditor : XXXX XXXX XXXX ), .. I have reach out to the creditor multiple times asking them to remove the account out of my name because it doesn't belong to me ... the name that's on the account isn't even my full name.. I disputed it and even went and got a police report due to fraud.. and the creditor ( XXXX AND XXXX ) is still stating there is nothing that they can do because the account is sold to someone else.. The debt was once removed and now its appearing back on my credit.
08/09/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 34747	Web
This company is trying to collect on a illegitimate debt that XXXX XXXX XXXX claims that I owe. I always paid the dentist my co-pay and I always had insurance whenever I went to this provider. Sometimes I would have to pay many hundreds of dollars to this provider, sometimes over a thousand dollars. I always paid my dental bills in full at the time the service was rendered. This claimed debt is completely illegitimate. I believe that I informed the debt collector, CHOICE RECOVERY INC, of these facts. If this item continues to remain on my credit report, I intend to sue both CHOICE RECOVERY INC and XXXX XXXX XXXX for slander of credit.
05/02/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33781	Web
Balance {$170.00} Opened XX/XX/2015 ( 2 yrs, 9 mos ) Account status Open Placed for collection Original Creditor Name XXXX XXXX XXXX DPM CHOICE RECOVERY INC XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX called this number yesterday to settle a lower amount and they hung up the phone on me this has been on my credit report since XX/XX/2015, after the doctor 's office said they would not charge me after I drove there in person to get this resolved they said all was taking care of months and months later I got a ding on my credit report, and I called them and they said I had to pay it. I have been mistreated by this error on there side
01/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33409	Web
On XXXX I sent a letter disputing the erroneous account with the creditor CHOICE RECOVERY for the amount {$120.00} stating that the information that they are reporting on my credit report does not belong to me.I 've requested that they send me the information to validate this debt each time I've requested the information I never received it. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts.
07/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 454XX	Web
I recently received a copy og my credit report. To my surprise, XXXX, XXXX, and XXXX are reporting accounts incorrectly. The collections accounts are not only reporting as open but, also shows past due balance. According to the FCRA, I have the right to an accurate credit report. INn accordance with the Fair Credit Reporting Act Choice Recovery Account number : XXXX and XXXX XXXX XXXX Account number : 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 : Also states a consumer reporting agency can not furnish an account without written instructions.
09/13/2022	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OH 43004	Web	Servicemember
Hello, When I received this debt, i requested a debt validation. The amount of this debt was under XXXX. The collection agency has inflated the amount of the claim and is reporting in correct balances. I wrote a written request equifax some time ago, however I received an automated response no real research was done. CHOICE RECOVERY INC Last reported XX/XX/XXXX {$710.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Medical Original creditor name XXXX XXXX XXXX XXXX
07/08/2022	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 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.
04/14/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43081	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.
04/14/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43081	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.
06/06/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 08816	Web
I asked for a contract proving that these accounts held me contractually liable to pay them. They failed to send any information requested. they only sent a letter stating the amount owed. This in in violation of my consumer rights and the FDCPA/ Federal Rules of Civil procedure. I have contacted this company on numerous occasions requesting that they delete these false accounts. I know that the FCRA requires them to have proof the account is mines in order to report it to the bureau. CHOICE RECOVERY INC is reporting this false information. This company continues to contact without any proof or validity of the debt.
06/12/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28031	Web
I was seen for a routine XXXX XXXX at a provider I had not used previously, XXXX XXXX XXXX XXXX. I supplied all pertinent insurance information to the company to be submitted by them with their claim. Months down the road I received a collections notice regarding this visit- apparently the office staff never submitted the paperwork for my procedure. I promptly contacted the XXXX XXXX office directly to inquire, and in no unsure terms was told that it was my fault and they were pursuing collection. It has been well over a year since my visit, and it is still unaddressed and in collections making a derogatory mark.
10/17/2022	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 Investigation took more than 30 days	TX 759XX	Web
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX breach and may have got into the hands of the wrong person.
01/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 43035	Web
Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 XXXX, to protect my privacy and medical records from third parties. I do not recall giving permission to CHOICE RECOVERY INC # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to CHOICE RECOVERY INC # XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.
02/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43232	Web
Pulled my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to CHOICE RECOVERY INC # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to CHOICE RECOVERY INC # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPA authorization.
04/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43230	Web
Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to CHOICE RECOVERY INC # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than toCHOICE RECOVERY INC # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPAauthorization
10/23/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 43119	Web
To the best of my knowledge these remaining medical debts were co-pays that should have either been covered by my secondary XXXX insurance or covered by XXXX who assists the indigent with remaining medical debts from the hospital bills. I spoke to the Choice Recovery collection group on several occasions by phone indicating the above and was either hung up on or told they will call me back in a week or so. It is discriminatory and harassing for the result to be derogatory marks on my Credit Bureau Report as I had communicated the appropriate resolve only for it to fall onto XXXX ears.
05/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33801	Web
My credit is reporting a {$160.00} medical bill from 2016. When I saw it on my credit I immediately contacted the XXXX who gave me no info except the amount. I then contacted the urgent care the original debt was with and they stated there isn't a balance under my information. I contacted my insurance company at the time and they verified for me that there isn't any owed balance with the urgent care. I tried contacting the outside agency again but they refuse to even look into it and verify it with the urgent care and instead are still trying to collect this debt that isn't valid.
10/20/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32303	Web
I checked my credit and I noticed an account for CHOICE RECOVERY in the amount of {$210.00} with the ORIGINAL CREDITOR as XXXX XXXX XXXX. First, this debt is a violation of HIPPA rights, as I did not sign a release to have my medical records, including costs, shared with any outside agency. Second, I never received any correspondence from the medical facility or the doctor after my emergency care as I made sure they knew that I was indigent and had no income. Third, I have a right to be notified with proper instructions on how to dispute, according to the Fair Debt Reporting Act.
11/27/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 32216	Web
Choice Recovery is reporting to XXXX that I owe them {$280.00}. I do not owe them nor have I ever owed them {$280.00}. I sent them a letter requesting a contract with my signature to pay this amount and they refused to comply. They said the debt was a debt that was transferred from a company called XXXX XXXX XXXX XXXX XXXX. I contacted XXXX XXXX and they stated they have no record of this. If this item is not removed from my credit report immediately I am going to report this to the Ohio State Attorney General as well as file a lawsuit against Coice Recovery for defamation.
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	MO 640XX	Web
I was charged a doctors visit from a doctor named XXXX XXXX XXXX. I have mever been to or rendered service from this doctor. That charge was sent to a collections agency named Choice Recovery. Which in turn negatively impacted my credit score. The doctors office stated today XX/XX/22 at XXXX that they have told the collection agency choice recovery that I am not a patient and to remove my information from their collection activities. I have made several disputes online with all three credit reporting bureaus. Choice Recovery is failing to remove the collection account.
10/22/2016	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	NC 280XX	Web
According to my credit report Choice recovery indicates I owe a medical bill from XXXX medical physicians. I have never been to this place nor have I ever received a bill from this place or Choice recovery. They also have a unknown address on my credit report and they ca n't forward documentation to prove this bill nor can they provide me any documents with my signature. I never knew anything of this debt until checking my credit report. I 'm trying to purchase a home and this is the only thing preventing me from doing so. I would appreciate your prompt attention.
11/13/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX XXXXX	Web
It shows on my credit report tht on XX/XX/2019 a amount of {$35.00} is owed to CHOICERECOV ( Original Creditor : XXXX XXXX XXXX ), .. I have reach out to the creditor multiple times asking them to remove the account out of my name because it doesn't belong to me ... the name that's on the account isn't even my full name.. I disputed it and even went and got a police report due to fraud.. and the creditor is still stating there is nothing that they can do because the account is sold to someone else.. The debt was once removed and now its appearing back on my credit.
06/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43035	Web
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, Choice Recovery Inc # XXXX , Choice Recovery Inc # XXXX , Choice Recovery Inc # XXXX, XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX.
12/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30132	Web
I noticed an unfamiliar Medical Debt on all three of my Credit report. On XX/XX/2021, I contacted the Collection Company and requested them to validate their claim. This was done by Certified US mail with a Return Receipt. The Return Receipt Indicated that the company received my written request on XX/XX/2021. The Collection Company has failed to validate the alleged debt at my request, although I have waited for over 30 days. As of making this report, my Credit files still shows these erroneous reports in violation of several of my consumer rights.
03/17/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32117	Web
I pulled my credit reports from all 3 credit bureaus in XXXX and have 2 collection accounts from Choice Recovery Inc on all of my reports. I sent them a debt validation letter on XX/XX/2018 via certified mail to request original methods to verify and validate that this account is mine. I disputed the accounts with all 3 credit bureaus. One credit bureau removed one account, but Choice Recovery has failed to mail me any documentation to validate that this is a debt for me or what has been provided to the credit bureaus to verify that this debt is for me.
08/20/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32211	Web
I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.
04/21/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32208	Web
I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.
04/03/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43220	Web
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : CHOICE RECOVERY # XXXX, CHOICE RECOVERY # 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.
01/03/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 45212	Web
This debt was from a medical issue that dated back to XXXX 's with my parents, specifically my step fathers insurance. This debt somehow was passed down to me and still to this day reports on my credit report after it was bought and sold several times, despite it never being on my insurance as I was not of age. The company, choice recovery, bought the debt in XXXX of XXXX and the individual at the company even stated it would not have been my debt, but that they are a debt collector and have to collect any debts and accounts in front of them.
02/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32221	Web
I advised Choice Recovery that I was a victim of identity theft and that the debt was not mine. I have submitted them a copy of the police report. They initially removed the debt then added it back. Also, they are reporting negative to all 3 bureaus and I have submitted the company and the credit bureaus a copy of the police report. This is detrimental to my job and livelyhood to keep a clean credit file. I want this {$25.00} collection removed ASAP from all 3 bureaus and Im filing a complaint with XXXX, FTC along with CFPB for unfair practices.
08/15/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MI 48088	Web
XX/XX/2020 I sent Choice Recovery a letter by certified mail in regards to a debt appearing on my credit report sum of {$170.00}. The letter outlined a resolution to supposed debt and a requirement of validation. Attached is the letter and also the signature with the date received by Choice recovery of XXXX. Choice Recovery has not responded. The continue to update this supposed debt on my credit report without providing validation or solution. Shady group. Consumer advocate needed for people dealing with this bogus and shady debt collector.
04/24/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 45042	Web
Choice recovery inc. is attempting to collect a debt in the amount of {$320.00} from XX/XX/2016 that I do not owe because I had insurance through Medicaid/ caresource at the time that covered 100 percent of my medical expenses and have had the same insurance since then to present day. This is severely negatively impacting my credit and has been for some time and I want it removed from my credit report immediately as I know that this debt was paid. I intend to prove this by attaching a copy of my insurance card so that this can be confirmed
08/25/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	SC 29210	Web
The original debt of {$130.00} was not only paid discharged, this collections agency has reported the wrong date/year to the credit bureaus, resulting in a negative collections entry of {$160.00} on my credit file/report at the credit bureaus and a removal date of XX/XX/XXXX. This suggests that the original date/year of delinquency to be XXXX. This is incorrect. I have contacted the company multiple times to inform them of the status of this debt, but they refuse to acknowledge the information I give, and they refuse to take action.
01/14/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 761XX	Web
I have never done business with these company and they are saying this is medical debit. I have never done business with these company and through HIPAA laws no one can sell any of my medical debit under this law. This can not be my debt due to the fact that I have not done business with this company. I have not contacted this company due to this is not my debt and I have never done business with them. I do not want to speak with them and have them take my information and use that information against me. I will not speak with them.
10/23/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32303	Web
I disputed this a account Choice Recovery, Inc which is an unknown account to me and it is not my debt. I disputed the cle tion account t on XX/XX/XXXX with XXXX, XXXX, and XXXX. I disputed the collection account advising all the credit monitoring reporting agencies that this was n't my debit and it was unknown to me. On XX/XX/XXXX, XXXX had completed there investigation and updated and removed the account from.my file. However, XXXX and XXXX both concluded different results ... both agencies verid account as accurate.
11/16/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32043	Web
I pulled my credit report and discovered these accounts as collections on my credit report. I sent a dispute requesting validation of my debt to you and all three bureaus., not validation of my address. I did not receive a response to what I have requested and was reported as meets the Fair Credit Reporting Requirements. I have included a copy of what I have sent to you and the Credit Bereaus. If you can not provide all of the information requested you are by law required to delete all entries off my credit report.
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 a medical bill from CHOICE RECOVERY 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 CHOICE RECOVERY or XXXX XXXX XXXX
04/14/2017	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	FL 32256	Web	Servicemember
Choice Recovery never disclosed fees that were added to my total balance when making my payment. The fees of {$35.00} was never disclosed that I was paying it. Choice Recovery took money from my payment and never added all the money I paid to decrease my balance. When contacting Choice Recovery I was told the fee was not suppose to show on my credit report, nor am I requires to pay the fee. The fee was almost 50 % of my total balance. This is a very deceptive practice as I had no knowledge of a fee I paid.
03/13/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 630XX	Web
This company ( Choice Recovery ), which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$390.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification 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.
06/01/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76049	Web	Servicemember
I have not used this dentist office in over 2 years, and this is not my debt. I have paid for the cleaning that have done for me at the time of service, and have no minors for which I am responsible. Basically their office does not care and will not stop regardless of what I say. Once again, I had no service done there except for cleanings which were paid for at the visit. This {$900.00} to {$1200.00} charge is not mine. I am unsure of the amount since it changes every time I get something in the mail.
10/01/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85286	Web
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX. I have made several attempts to resolve this issue with the collections agency choice recovery. I disputed this debt on XX/XX/22 through all of the credit reporting agencies and the response from XXXX was that the debt what accurate each time. I am a victim of identity theft and this collections is not mine. This has been reported to the FTC under report number XXXX. A police under report number XXXX XXXX XXXX XXXXXXXX.
05/29/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43062	Web
CHOICE RECOVERY INC # XXXX I dispute this account I have never done any business with this company. Please forward me any and all documentation concerning this debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY INC Provide verification of the following account # XXXX. please fill out and return the attached CREDITOR DISCLOSURE STATEMENT, or I can not take this account to be valid.
09/27/2022	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	SC 29420	Web
I'm XXXX XXXX, and I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now harming my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They must identify who started the account in my name and just provide that individual my information. Kindly help me in solving this.
08/24/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	SC 29732	Web
Date is XX/XX/2011 for an XXXX, contacted XXXX XXXX was referred back to Choice Recovery sent letter the bill was payed under the free clinic was told they could not accept that cause it did not say XXXX .I asked how I could speak to someone at XXXX XXXX they say they ca n't release there client information. Have spoken to XXXX XXXX XXXX and XXXX XXXX XXXX , XXXX XXXX XXXX and XXXX which refers you to the choice recovery then the number for choice recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX
01/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 323XX	Web
I have not received a notification from Choice Recovery regarding a medical bill. And they have it on my credit report three times but it was the same visit. I don't believe they can show each procedure the doctor performed ; only the total amount due for the visit. I wasn't aware of this until I checked my credit report. I plan to pay this as soon as they agree to correct the reporting of it. I have not contacted anyone at Choice Recovery nor have anyone from Choice Recovery contacted me.
07/23/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 45224	Web
I have debt in collections on my credit report from choice recovery. Ive never conducted any business with choice recovery. Ive disputed this chargers asking them to remove from credit report. Choice recovery sent me personal medical information and records of mines in which they shouldnt have. Ive never released Nor gave permission of release any of my medical history to Choice recovery. Choice recovery has violated my HIPPA rights by obtaining my medical records without my permission
08/10/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 45140	Web
These are bills that were from having XXXX take me to the hospital and for treatment of my back. This happened more than once as seen by the differant dates. I was found to be XXXX with XXXX and was put on XXXX XXXX/XXXX/2011. I recieved medicaid at that time. I also filled out a financial hardship form from the hospital that promised to pay most if not all of the bills. I submited the bills to medicaid too. They were suppose to pay bills up to two years before I was put on medicaid.
09/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85286	Web
I reviewed my credit report on XX/XX/22 and noticed there were some recently added derogatory accounts from collections agencies and I believe this is a result of identity theft or fraud and these collections are not mine. Choice Recovery Inc for {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX for XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX wa XXXX. XXXX reports for XXXX, XXXX and XXXX XX/XX/22 and disputed with each credit reporting agency.
05/02/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32256	Web
Hello, I hope this letter finds you well. On XX/XX/2022, a fraudulent collection account was opened in my name in the amount of {$400.00}. The account is currently owned by Choice Recovery & it says the original creditor is XXXX XXXX XXXX. I have not done business with either company. This account is a fraudulent account, and needs to be taken off my credit report. I pay my bills, and I wouldnt let a {$400.00} account go to collections. What is this even for? Regards XXXX
07/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 45458	Web
CHOICE RECOVERY INC Original creditor : XXXX XXXX XXXX XXXX Open Balance : {$200.00} Remarks : Account information disputed by consumer, meets FCRA requirements verified information with insurance and they have a paid claim on file for said service : have disputed this information and have never received a detailed explanation of debt : i have a {$0.00} balance from original creditor and they advised all claims on file and all cost share have been paid by myself/insurance.
09/13/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 320XX	Web	Servicemember
I am and XXXX XXXX veteran with free health insurance. I do not pay for health coverage because it is supplied to be freely. And if anybody has any debts that they're trying to collect from me it is only because they didn't followed the proper procedure and file the proper paperwork to get the veterans affairs to pay them back for emergency services. This is totally messing up my credit and affecting my livelihood and it's been happening for years now I need help please
11/09/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 454XX	Web
I do not owe this debt I paid the doctor office, and I told the company that called me the first of XXXX that I do not owe this doctor and not to call me again. The doctor office and me was in disput on the amount owe and was waiting on the insurance company to say what the amount was. Also, the doctor office billed the wrong insurance company when they had the correct information. I paid them on XXXX/XXXX/16 reciept number XXXX. I want this taken off my credit report.
03/11/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32259	Web
Choice Recovery , Inc reported unpaid collection of {$110.00} on XX/XX/2019. Original vendor is XXXX XXXX XXXX in XXXX XXXX XXXX, XXXX. I have no idea what this is from? I have never received an invoice, statement or phonecall relating to this charge I called XXXX XXXX on Saturday XX/XX/19 ... I was told my account was XXXX and they didnt know what the problem was. I said I was coming in to speak with office manager and they told me not to come in? Please advise.
03/31/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MO 63303	Web
Choice Recovery put a fraudulent account on my credit report without prior notice of any kind, that has severely damaged it. I contacted themXX/XX/XXXX & informed XXXX XXXX that the account was fraudulent & to please mark as such. She told me twice that she would not. I requested a supervisor, she said one would contact me by the next business day. I still have not received a callback. I emailed them asking for account to be removed immediately do to fraud.
09/27/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32258	Web
On XX/XX/2021, I sent in a request for validation to said Company CHOICE RECOVERY, INC. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g 30 days is given to investigate or respond to said request for debt validation. I have not received any correspondence back from company! it is not XX/XX/2021. It is a violation of collection practices act for a debt collector to refuse to send validation notice or fail to respond to my request letter.
12/05/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34771	Web
I do not acknowledge such debt. ollection letter does not include any dates of service or details of the services I allegedClly owe. This appear to be on regards to my ex dentist from who I dont receive services from more than a year ago and in every visit i had paid off the amounts owed for the services received at Dr. XXXX XXXX office. I have never received a notification from XXXX XXXX XXXX even via mail or phone informing on ahy balance pending.
09/29/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32208	Web
I was not notified and was unaware of this medical balance till I saw it on my credit report about 6 months ago. I contacted the company and disputed it but I did not get a explanation of the debit and they could not provide any information, just stated that they do not own the debit and they would contact the original creditor XXXX XXXX which is not a hospital here in XXXX, FL. This has now negatively effected me in my home buying process.
06/03/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 45042	Web
Choice recovery is attempting to collect an alleged medical debt in the amount of {$190.00} from XX/XX/2012 which is beyond the statute of limitations for debt collections in the state of Ohio which is 6 years. It is now past that. I demand that this item be immediately removed from all 3 credit bureaus on my credit report as it is negatively affecting my credit. You have 15 days to respond with removal or I will proceed with legal action.
06/14/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 454XX	Web
I received a phone call from Choice Recovery located in XXXX , OH a couple of years ago and said that I had a few hours to pay {$57.00} for a visit to XXXX XXXX in XXXX , OH or my credit score would be negatively affected. I ignored them and thought nothing of it and blocked the number. Recently I checked my credit score and the debt I still " owe '' is in fact damaging my score. This " debt '' needs to be removed from my account.
12/27/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 454XX	Web
I am a victim of identity theft there has been several accounts placed under my name without my consent or knowledge. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.
02/05/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 32244	Web	Servicemember
I lost 32 points on my XXXX it and XXXX and this debt has already been discharged in my chapter XXXX bankruptcy. This company operates fraudulently. I never received anything in the mail to alert me of them adding an old debt to my credit file. I seriously believe they did not contact me on purpose so that I wouldn't know. This company banks on people not paying attention to their credit files so they can collect on old closed debts.
10/17/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 43004	Web	Servicemember
Hello, This a follow up to a prior complaint regarding a debt they say i owe What is sent is a letter saying they verified debt it contains no information on how this was verified and no documentation of items billed. Instead a a form asking me to sign a release if information. There is no information about the bill they are trying to collect on. How can you verify something you are asking for a release to be signed to be obtained?
01/15/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 451XX	Web
I have seen collection on my XXXX credit report and I have called the company to figure out what is it and why it is on my report as I have not received any kind of service which collection describes. Collection company have false information ( might be because of the same last name ). I have tried disputing with XXXX but I doesn't allow me to do it online and I have tried calling it many times but not getting any response from them.
12/16/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33619	Web	Servicemember
There are a total of XXXX OPEN Accounts being reported with this company : 1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 2. Although I had no knowledge of this account, since it was on my credit profile, the debt was discharged in bankruptcy. 3. This information was also shared illegally ( third party ) without my informed consent.
12/03/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 454XX	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.
05/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07003	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.
05/08/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 43229	Web
This is a third party debt collection agency. I have n't done business with this company Choice Recovery # XXXX . Choice Recovery is in violation of the HIPPA act by accessing my personal medical records and billing. This account was never validated, by telephone conversation, Choice Recovery was unable to locate exact information pertaining to this account. Please cease and desist all communication and collection actions.
03/26/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 323XX	Web
Choice recovery has not sent any notification of debt, not a verification or validation letter. Instead, they are upset because I am using CFPB to contact them. I tried to handle this accordingly but whomever is replying to the complaints must be a complete XXXX. Instead I Submitted a request online to XXXX XXXX XXXX as they already have an open investigation into your TCPA violations and deceptive debt collection practices.
04/29/2022	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 32792	Web	Servicemember
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 Part 2 : it also 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 for any purpose.
09/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43219	Web
There are some accounts on my credit report that are not mine and reporting twice and believe this is an act of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : -CHOICE RECOVERY INC XXXX XXXX XXXXCHOICE RECOVERY INC XXXX XXXX -CHOICE RECOVERY INC XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
05/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	OH 43123	Web
I have received several phone calls from this company about debt for {$110.00} {$100.00} another for {$100.00}. I have advised them of all the information they needed the first two times and told them to stop calling me. I still keep receiving phone calls, but nothing in the mail. they do not have any valid information in there system on me besides a phone number. They have been forcing me that I better pay or else etc.
04/06/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43229	Web
I was going over my credit file and seen a unverified account from CHOICE RECOVERY! I don't recall even doing business with this company. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am unaware of the amount due and your bill does not include a breakdown of any fees. I need to see a copy of a contract and a release form of HIPPA.
01/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43062	Web
This is my THIRD time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT AN ATTORNEY OR THIRD PARTY REP. The accounts are not mines : 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
10/23/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32305	Web
On XX/XX/2018 and XX/XX/2018, I requested proper validation from Choice Recovery stating I wanted some type of contract between myself and the debt collector stating that I am legally liable for this debt and they have the legal right to collect from me. I haven't received any type of documentation from this debt collector. It has been long past the 30 day period this debt collector has to furnish such information.
10/01/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 43302	Web
A collections account is showing on my credit report from choice recovery for XXXX XXXX XXXX XXXXXXXX. I have never been a patient with this medical company/doctor since I have been XXXX. If this was for me I would of been a minor and not signed for treatment or responsibility of the bill. I have received no bills from this company or had knowledge of the bill. Shows an amount of XXXX and date opened XX/XX/2014
11/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30071	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CHOICE RECOVERY XXXX Balance {$220.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
06/04/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 45342	Web
Today I got an email saying that {$30.00} was debited from my bank account using my debit card by a company Called Choice Recovery in XXXX, Ohio. The email said it was for a purchase. I never gave them permission to take that money and I looked at my credit report and they are not even on it as a debt I owe. I have no idea why they took my money. I want my money back. I have no idea what this is about.
12/07/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IL 60629	Web
Hello, I recently moved to a new address. When I went to pick up my mail from the old address " Choice Recovery '' sent a notice on the XX/XX/2018 regarding an unknown debt. Although I did not receive a right to dispute letter on the XX/XX/XXXX, there is a derogatory mark on my XXXX credit report. This collection agency is in violation of the credit reporting laws and I would like to file a complaint.
11/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43119	Web
This is my XXXX or XXXX time I have requested documents concerning an account from XXXX XXXX # XXXX I have never done any business with this XXXX XXXX collections company nor have they providing me with any services. Please delete this unverified account at once. I have filed a report ( see attached ) and I wish them ( XXXX XXXX XXXX ) to cease and desist all contact with me concerning this debt.
05/13/2019	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NV 894XX	Web
I received a credit alert that I had a new collection attempt on my credit report. The alert shows Choice Recovery Inc is attempting to collect a dental bill. I have no knowledge of this. I also did not receive any documentation related to the collection attempt. Choice Recovery Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX I have contacted Choice Recovery and have not heard back.
11/07/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IL 60164	Web	Older American
This bill for {$130.00} I do not owe.I did'nt ecieve a statement untill 2 years after my appoitment, I paid my deductable the same day of the appoitment, XXXX should have submited the charges to my insurance ( Wellcare ) at that time.I did'nt have that insurance after that year, I had to change it.But they did'nt bill me untill XXXX years after the appointment which I am not responsable for!
09/30/2020	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	NY 14225	Web
choice recovery trying to exploit money for XXXX XXXX for XXXX which wasnt paid because XXXX XXXX failed to do the job on retaining a XXXX condo which my new attorney retained. i fired XXXX XXXX for not doing the job.XXXX wanted me to sign a quit deed with a practice manager as my attorney. my new attorney is seeking legal action against choice recovery and damaging my credit score
11/28/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 43219	Web	Servicemember
Insurance not billed at time of service - failed to bill insurance, although it has been provided - did not complete paperwork with insurance provider to cover services, although they would have been fully covered with a {$0.00} copay - being billed {$200.00} for office visit that should have been covered - insurance provider has written to doctor 's office saying the debt is not owed
10/30/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32218	Web
while reviewing my credit report I became aware of collection accounts from Choice Recovery. I have written to this company to validate these alleged debts as well as their authorization to collect on said debts. and have received nothing. I believe my HIPPA rights have been violated as I have given NO ENTITY permission to share my personal medical information with ANY third party.
07/31/2022	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 30909	Web
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, Account # XXXX XXXX, CHOICE RECOVERY ACCT XXXX, AND XXXX, XXXX XXXX XXXX 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
10/04/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 109XX	Web
Choice recovery has added a collections in the amount of {$120.00} saying i owe that money. i do not owe this company anything nor do i even know who they are. they are trying to collect a debt not mine. it is damaging my credit score for absolutely no reason and I'm in the process of getting a home and a mortgage and this is hurting my chances substantially. this is rediculous.
09/30/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 324XX	Web
So I called to pay this collection of {$38.00} off, because I received the last letter stating just that, the lady on the phone stated it is now out of statute of limitations, I also said the coming is no longer a company theres nowhere to pay them. She then told me that it wasnt {$38.00} anymore is was {$42.00}. On my credit report it states collections XXXX XXXX XXXX/XXXX/2020
08/17/2020	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	OH XXXXX	Web
I have a loan with CHOICERECOV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX CHOICERECOV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
12/04/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32065	Web	Servicemember
Choice Recovery collection agency placed negative marks on my credit for 3 debts {$100.00}, {$40.00} And {$200.00}. This debt is not mine, if this is a medical bill my information was illegally shared with a 3rd party company without my consent, this goes against Hippa laws. I am furious. I pay all my bills on time. This caused my Credit to loose 40 points. Please help me
08/30/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77077	Web
Choice Recovery Inc. Balance owed is {$3100.00} original company attempting to recover money is called XXXX XXXX XXXX XX/XX/2017 I have called and sent in writing to please remove any type of debt occurred due to I have never opened or used an account with this company. Whomever has used my name or information is fraudulently using my info and it needs to be removed asap.
10/18/2016	Yes	Debt collection Medical	False statements or representation Indicated shouldn't respond to lawsuit	OH 43123	Web
This agency have tried to collect a couple medical bill recently and I advised about this specific bill and they insist that it 's mind and they would do a pay deletion however I keep advising them my lawyer will be involved soon bc I do n't owe them but I keep getting different calls on the same thing but I have n't gotten any letters from them or the original creditor
11/21/2018	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	OH 437XX	Web
Choice Recovery is still reporting 4 individual derogatory remarks on my transunion credit report for XXXX XXXX XXXX. All 4 are from the same day for the same thing on XX/XX/XXXX. That is more than 6 years ago. My ChapterXXXX bankruptcy was discharged on XX/XX/XXXX. Also i thought there was legislation that passed in XXXX prohibiting medical from being reported.
12/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43232	Web
After looking over my credit reports. I noticed there were fraudulent accounts that do not belong to me and never authorized any contracts and business with with these companies. This is a notice of dispute pursuant to the FAIR CREDIT REPORTING ACT ( FCRA ), SECTION 623 subsection ( 8 ) ( D ). The following accounts are listed below : CHOICE RECOVERY INC # XXXX
02/10/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 335XX	Web
Information being reported to credit bureaus and attempting to collect debt without a HIPAA release of information form for my medical records from myself. They are violating federal law with out this form. I contacted them about it and then they attempted to get me to sign a release of information form after they have already received the collection account.
11/08/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 43110	Web
I continue to receive phone calls and collection attempts on a medical invoice that was paid off back in XX/XX/2020. This has now hit my credit score. I want it removed from all credit agencies and all attempts to collect on this paid debt to stop. I have included a copy of the cashed check showing this bill has been paid PRIOR to being sent to collections.
04/16/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 20774	Web
XXXX XXXX XXXX apparently sold someones MEDICAL account to Choice recoveryXXXX Its a violation of the hippa act and I want it REMOVED IMMEDIATELY. I also am beyond tired of the bureaus marking things as verified and placing them on my file. Under my legal rights I want a civil suit against any and everyone who furnished this illegal procedure to my file.
08/13/2020	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 Their investigation did not fix an error on your report	GA 30318	Web
I have a loan with CHOICERECOV ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX, and CHOICERECOV ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
12/16/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33619	Web	Servicemember
1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 2. Although I had no knowledge of this account, since it was on my credit profile, the debt was discharged in bankruptcy. 3. This information was also shared illegally ( third party ) without my informed consent.
01/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77642	Web
They do not have a hippa release form with my signature and their name in a contractual obligation with full disclosure and meeting of the minds, this is an opportunity to cure anything after this will be a notice of civil action, they are not medical professionals and already gave me proof that they have my medical records. They are reporting 2 accounts
04/13/2015	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA 31410	Web
This company will put a collection claim on a credit bureau. When I have it removed, they will put it back on and re-age it so it stays on the report for XXXX more years. This is illegal. They will not tell me what company they are trying to collect for, either. They refuse to answer any questions, in fact, except to say I need to pay. They are a scam.
07/13/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OH 43068	Web
I am getting ready to purchase a home and wanted to ensure my already excellent credit rating was still where it was so I can get the best interest rate when applying for the mortgage. After reviewing my credit I notice choice recovery was reporting a debt on my credit report. I have reached out to them but no response and they are still on my credit.
09/24/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 12601	Web
I was out on XXXX XXXX. I was seeing the doctors at XXXX XXXX detail I did not make an appointment that I was supposed to and I was forgot to call they tried to tell me for breaking the appointment I owe them {$25.00} I told them this is through XXXX XXXX I dont have to pay {$25.00} they refused to except thatThey would not except that as an answer
05/02/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 322XX	Web
I have contacted all XXXX credit reporting companies regarding incorrect info on my credit report regarding a collection from Choice Recovery . XXXX deleted the incorrect info however XXXX XXXX will not. I asked them to verify the information which they did not. I 'm writing you all to have this information removed as a solution. Thanks
09/28/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43209	Web
Debt in question was for medical services performed over a year prior. The insurance company says debt is not owed. Debt collector advised me to just pay so it goes away and was extremely insulting on my own understanding of the facts and circumstances. Would not accept an electronic signature on a release form or speak to the debtor in person.
07/07/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43081	Web
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
07/07/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43062	Web
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
12/14/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 322XX	Web
I've disputed this alleged debt this year and last year and it was proven that I wasn't responsible for alleged debt. The debt was deleted but it seems like the debt was in a portfolio of debt. I'm tired of being taken advantage of and now Ive obtain counsel XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX to help me resolve the matter
08/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32218	Web
In accordance with a fair credit reporting act [ US DEPT ED # XXXX, XXXX 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.
08/15/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 319XX	Web
I do not own or know these accounts. I demand an investigation and removal of these accounts that do not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due, and Date of Last Payment are missing in this report. I am wondering why it ended up under my name. This is ridiculous and incorrect. I demand this will be deleted.
03/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43232	Web
XX/XX/XXXX {$1900.00} XXXX Account : XXXX XXXX XXXX XXXX XX/XX/XXXX {$920.00} CHOICERECOV ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX {$210.00} RECOVERY XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX
07/05/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60030	Web
The original doctors appointment was overcharged to the insurance company. The amount paid to the doctor was too much for the type of appointment. I advised them that they charged too much for the appointment and I wouldn't pay the amount they were asking. Now they've sold it to a collection agency which I definitely don't owe.
02/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 240XX	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.
04/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 64014	Web
n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, XXXXXXXX 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
05/18/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32216	Web
Choice Recovery ignored my first letter for debt verification. I send a send letter for debt verification in which i received correspondence, however Choice Recovery still failed to validate the debts the allege I owe. Choice Recovery is violating FDCPA and FCRA. Please see the attached letter sendt to Choice Recovery
10/28/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	FL 346XX	Web
I was looking at a collection noticed I received and I noticed that a medical debt was transferred in my name to a 3rd party agency. I did not give permission for this third party to receive my medical information. This is a violation of my hippa privacy rights as I did not authorize my information to be transferred.
04/04/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60466	Web
There is a medical Debit on my credit that i have no association with. The date assigned was XX/XX/2015 by Choice Recovery Inc for {$400.00}. I have never seen this account or done business with Choice Recovery. I have disputed this with other bureaus and it has been removed, but seems not to be removed from XXXX.
08/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33615	Web
I do not know these accounts. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.
04/06/2022	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 394XX	Web
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
08/09/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30340	Web
Was making payments when i went the office after see by doctor. Never gave me receipts. Paycash .now there lawyer put it in collections ruding my credit score.please help to take care of this problem .eye doctor. Oh by the way had to find another doctor after my XXXX XXXX. Wish was hard to do stressful.
12/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30127	Web
I pulled my credit report. I seen an amount for {$34.00}. This includes a medical service that I am unaware of because the information is not me or owed by me. I was XXXX between the time of XX/XX/ 2020 throughout COVID-19 pandemic. I was under Medicaid throughout the duration of the time of my XXXX.
06/20/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	KY 410XX	Web
On XX/XX/2018 I made a payment in full to Choice Recovery for the amount of {$320.00}. This is the amount I owed in full. I am still receiving phone calls from the company requesting that I pay them again. I have no other debt with this company and the {$320.00} has been removed from my bank account.
07/13/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43160	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
09/08/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MI XXXXX	Web
Follow up to complaint XXXX. Choice Recovery did not respond or acknowledge the complaint filed in regards to Acct. # XXXX for XXXX XXXX for XXXX in the amount of {$170.00}. See Choice Recovery 's attached letter. They responded only to some other account called XXXX???? Another bogus account??
02/01/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43227	Web
I am a victim of identity theft there has been several accounts placed under my name without my consent or knowledge. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature.
07/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MO 64014	Web
A collection appeared on my report on XX/XX/2019, and they are demanding {$5200.00} in which i do not owe. i am not sure where this came from or what this is but it is significantly affecting my reputation. this must be investigated and fixed. there are several other accounts involved also.
02/18/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 34609	Web	Older American
Original debt was to XXXX XXXX XXXX for {$250.00} was paid on XX/XX/2021 by check # XXXX. Now a debt collector has reported a collection of XXXX to credit reporting agencies. I have no idea why the amount is higher, and also the bill was paid directly to the dentist in XXXX of 2021.
01/04/2022	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 30157	Web
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
08/20/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	NC 28262	Web
this account is fraudulent someone got this from my identity being stolen yet choice recovery has reported it to the credit bureaus and also has it in their records to collect ... i have a police report and a id theft affidavit that has been notarized concerning this matter.
11/09/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MN 55116	Web
Neither Choice Recovery nor their new name XXXX XXXX XXXX has a license to collect debts in the state of Minnesota. Since they do not have a license to collect a debt, and I live in Minnesota, their collection is illegal. They are aware that I currently live in Minnesota.
04/10/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 339XX	Web
CHOICE RECOVERY INC IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately.
06/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33705	Web
My accounts with this company has been paid in full as of XX/XX/2020. These are accounts are still showing open on my credit report. I asked the company to remove these accounts. I was told the will at the earliest send them with their XXXX reports to the bureaus.
06/20/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28212	Web
Thank you for reviewing the complaint. After reviewing the credit report choice recovery which is collecting on behalf of unfamiliar source continues to place items on the credit report. Requesting validation of all information pertaining to the amount displayed.
10/08/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 45211	Web
I have reviewed my Credit report and found several account unrecognized items from your office CHOICE RECOVERY INC # 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.
12/03/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30114	Web
Credit monitoring service notified me of a collect account added to my credit file for {$41.00} from Choice Recovery Inc. We do not know why or how Choice Recovery posted this information to my credit file is a violation of the FCRA class action settlement
03/12/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 323XX	Web
Choice recovery is on my credit report for medical debt that i have no idea where from. One balance is {$400.00} and one is {$570.00}. I can not pay either in full but can negotiate and pay XXXX % of each one, totaling {$530.00}, to settle both balances.
05/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	OH 45241	Web
I received a phone call on my employer 's phone ( I am employed through XXXX XXXX ) at which time I provided my cell phone number to the worker for all future contact. Today ( XXXX/XXXX/16 ) I received another phone call from the company on my work phone.
06/02/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	KY 41018	Web
This was a medical bill from a workers comp claim that was resolved. The collection company has failed to provide any notification of the collection and or an opportunity to dispute. Please remove this debt from all of the credit reporting agencies.
07/08/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 756XX	Web
The company stated in their last comment that they tried to contact me. I do not recall receiving phone calls from the collection company. There are a lot of telephone scams trying to collect money from the elderly. I do not answer strange numbers.
07/07/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 756XX	Web
In a review of my credit file, I see, Choice Recovery, listed on my credit file. I have never heard of this company. I believe they are trying to take advantage of the elderly. They are depressing my credit score with their entry on my credit file.
08/21/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 328XX	Web
I already paid the {$310.00} debt to Choice Recovery and on my last payment by check I sent him a letter saying it was the last. And I received a bill of collection, when they accepted the last payment and debt paid. I include documents
04/02/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33810	Web
I paid the amount owed on the date XX/XX/2018 The account was completely paid off, but I still receive notifications as if I hadn't. The account is still open in my credit and I contacted the company but they haven't fixed the issue yet.
12/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 323XX	Web
I checked my credit report and noticed three negatively reporting trade lines from Choice Recovery for {$400.00}, {$400.00} and for {$570.00}. I have no idea where these debts originated. I have never done business with Choice Recovery.
01/12/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OH 43123	Web
i have received a letter from this agency that states that I owe them. I have never had any dealing with this company. When I disputed the debt and ask for the information that supports their claim. I have no knowledge of the debt
04/14/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43081	Web
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On XXXX, XXXX, Attorney General and FTC
04/12/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20735	Web
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
09/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34983	Web
The account with Choice Recovery , Inc., has been paid in full but it still shows in collections on my credit report. I need Choice Recovery, Inc., to report the debt as paid in full in order for me to close on a home loan.
02/01/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77642	Web
i am giving you an opportunity to cure, due to improbability negligence or mistake after this and i do not get remedy my notary will issue me a certificate of dishonor and i will be filing civil action against your company
07/21/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 282XX	Web
I noticed this debt on my credit report and contacted the debt collector. They haven't give me any proof that this debt is mine, nor a legitimate reason why I should pay it. I do not owe this debt and I refuse to pay it.
02/05/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32216	Web	Servicemember
This. company Choice Recovery appears on my credit report for {$550.00}. This debt does not belong to me - I have been XXXX in XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.
05/25/2018	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	MN 55106	Web
I have a XXXXXXXX XXXX XXXXXXXX XXXX reporting on my credit report twice and it's showing as a duplicate. This needs to be removed off all 3 credit bureaus immediately as this is affecting my credit score negatively.
12/09/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 322XX	Web
This claim should have been file under my XXXX insurance and I had have never received no notice of Collection this must be removed from my credit file since the collection company failed to reach me or contacted me
11/13/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 770XX	Web	Servicemember
Debt company attempting to collect on a debt I never signed an agreement with nor do I owe any money to them. Moreover, this debt was removed from my credit profile and replaced back on by this collection company.
02/03/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23059	Web
its been over 30 days and the deadline has past This account is fraudulent activity i don't know where this account came from i need it remove ASAP if this account is not remove i will have to use legal actions
09/03/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30122	Web
Medical bill was placed in collection on XXXX XXXX with Choice Recovery Inc. In the amount of {$500.00}. Both accounts has been paid in full and I was told would be removed from collection. Transaction IDXXXX.
10/18/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 45215	Web
In XX/XX/XXXX, I sent a certified leter to Choice Recovery requesting validation of a {$1500.00} medical debt. As of XX/XX/XXXX, the company neither responded or removed account from my credit report.
05/15/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IN 469XX	Web
Choice Recovery has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
04/20/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32129	Web
Choice Recovery has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
07/26/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30519	Web
I pulled my credit report and discovered many inaccurate items listed. I contacted the creditors, and nothing has been done about it. Please have the credit bureaus remove all inaccurate items.
02/05/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	MI 48238	Web
I never owed anything to these people. Show my signature in blue ink because these accounts are showing closed and open on my credit report. Itemized screen shots isnt my signature nor my bill.
03/11/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IL 60652	Web
I have received calls and notices from Choice Recovery in regards to an alleged debt owed of {$1800.00}. I sent a dispute notice for validation a few months ago and never received any response.
01/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WA 98373	Web	Servicemember
Choice Recovery Inc is reporting a debt on my credit report for {$170.00}. This agency is not licensed to collect in my state. I disputed this with XXXX and they did not remove the account.
03/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60639	Web
I have this account choice recovery report to my XXXX report which is not valid, i attempted to reach out to this company more than once and received no response regarding invalid response
01/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OH 43068	Web
To whom it may concern CHOICE RECOVERY # XXXX is an account that was legally discharged in a bankruptcy XXXX XXXX XXXX OHIO Docket # XXXX. Please delete this account at once it is an error!
08/18/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	OH 43062	Web	Servicemember
I HAVE A LETTER FROM XXXX XXXX XXXX STATING THE BILL WAS TAKEN CARE OF SEEING IT WAS A MILITARY RELATED INJURY. I HAVE CALLED MANY TIMES BUT IT CONTINUES TO STAY ON MY CREDIT XXXX REPORT.
10/02/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 326XX	Web
Choice recovery XX/XX/XXXX - XXXX. XXXX all together I owe {$1300.00} for medical bills I never knew anything about debt collection or how this works or how to remove it from my credit
12/31/2017	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	WA 98373	Web	Servicemember
I requested validation of a debt I do not believe is mine from Choice Recovery Inc. I was never sent proper validation and I believe this negative mark is false and damaging my report.
05/15/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48238	Web
Choice Recovery Inc. XXXX XX/XX/2017 Has purposely done this on purpose. Because I challenged them and they never responded but still on my credit report a 609 fair credit report.
08/01/2018	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	NJ 07724	Web
Choice Recovery Debt collector was paid off in full for a medical collection. They are still showing as derogatory on my credit report although it says they were paid off in full.
09/07/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 431XX	Web
Incorrect information was added to the credit bureau showing that I owe a debt. I never received a bill for whatever they believe I owe therefore I am not in default of anything.
11/17/2022	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
Unauthorized usage of credit information was never confirmed to be placed on credit report, this is harming my credit scores drastically and is stopping me from moving forward.
11/30/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32225	Web	Older American, Servicemember
Choice Recovery, XXXX Ohio refused to remove medical bills sent them information that I am covered by XXXX XXXX and XXXX XXXX XXXX Se nondairy. Representative hung up on me.
04/02/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33810	Web
The account was already closed and paid off in XX/XX/2018. I called the company so that they would fix it, but the amount is still in my credit as if I haven't paid it yet.
01/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32304	Web
XXXX XXXX XXXX XXXX {$140.00} Choice Recovery- {$380.00} disputed with experian, XXXX and XXXX. fraudulent information on my credit report. They are in violation of the FCRA
09/07/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IN 46236	Web
I have never been to this XXXX or been seen by any of the XXXX in this office - XXXX ' they refuse to present any documentation showing I have ever been to this XXXX office
02/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 454XX	Web
I filled a dispute awhile ago in regards to the incorrect information on my credit report. It has been well over 30 days and I have not received any investigation results.
02/06/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AZ 85006	Web
A credit report reflects that I have an outstanding balance of {$880.00} with Choice Recovery that was opened on XX/XX/2018. I was not aware of this charge until today.
12/21/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NC 28150	Web	Servicemember
I have no knowledge of said debt and I would like it removed as it is reporting to the credit bureau 's and negatively affecting me. I also had insurance at this time.
04/30/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30024	Web
This collection is not mine nor do I have knowledge of this account. I requested for this account to present my signature for said account or delete the account.
07/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 45133	Web
my medical insurance co. owes them and decided not to for cost was to high for a XXXX mile ride. XXXX owes this not me that 's why I pay XXXX insurance companies
03/20/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32209	Web
XX/XX/2021 XXXX This is a duplicate account on my credit report, I have reached out to the company and the current debt collector.I have also made a dispute.
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.
04/26/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 776XX	Web
I requested to see the original contract bearing my signature and their signature not some statement or computer-generated bill and have not yet received it
03/12/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32207	Web
CHOICE RECOVERY INC XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX {$14.00} I dont have a contract/agreement with the collection agency and I dont recognize this.
04/06/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL XXXXX	Web
CHOICE RECOVERY INC has been in clear violation of the FDCPA and FCRA. I will litigate if the account is not deleted, purged and removed from the system,
09/12/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32082	Web
This is an old medical debt with no way of settling or disputing. No one has co operated with me I was under my mothers insurance and suffering now.
08/26/2022	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 306XX	Web
Wanted to get all accounts verified from collection company and wont sent info requested... asking for itemized statement and refused to send...
02/08/2020	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 two accounts for choice recovery for XXXX XXXX for {$51.00} each. I never received any notice of these small debts.
05/07/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OH 43016	Web
person misrepresented amount i owed conversation was on XX/XX/XXXX the amount quoted was XXXX actually was XXXX company is choice recovery inc
12/07/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32209	Web
Choice recovery is not licenced in the state of fl. And it 's reporting on all three credit bureaus. I need for it to be removed immediately.
09/11/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 290XX	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.
12/21/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	FL 346XX	Web
Never gave my Employer Number to Contact. Not allowed to receive these calls at my place of business Called and Claimed to be from XXXX
04/19/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32025	Web
I recently checked my credit report and discovered that this company has reported that i owe them a debt that I have no knowledge of
04/06/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 336XX	Web
Please help, I have disputed these items which I DO NOT OWE. This company has 12 items listed on my XXXX credit file. This is crazy
08/18/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32207	Web
choice recovery inc reported on XX/XX/XXXX. In amount of {$650.00} XXXX XXXX company reported on XX/XX/XXXX in amount of {$88.00}
06/07/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL XXXXX	Web
Please remove the collection of my credit reporting agencies XXXX, XXXX, and XXXX for the {$46.00} amount, its already paid.
06/26/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH 430XX	Web
I paid the bill off in full. But its still on my credit reports. I have documents that it is paid. Its to choice recovery
03/29/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PR 00956	Web
Debt Collector reported negative items on my credit files. As they should be under the XXXX XXXX XXXX Charity program.
04/08/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 08816	Web
Choice recovery inc - I have no knowledge of this account and this company is trying to damage my credit report.
03/04/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IL 60563	Web
this was a duplicate charge by the medical practitioner. A complaint should be filed for overbilling practices.
08/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 322XX	Web
This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards
03/24/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 347XX	Web
This debt is not mine I need validation that this belongs to me They need to remove this immediately
03/10/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32304	Web
Unknown when it occurred posted on credit file on XX/XX/22 the amount of XXXX from choice recovery
09/26/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32304	Web
I don't know what this charge is for that's on my credit report. Its not mine.
06/24/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32208	Web
Attempting to collect a debt I don't know. Tried to get resolved previously.
01/30/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NC 27616	Web	Servicemember
This was a medical bill due to a car accident geico paid all medical bills
11/10/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 77338	Web	Servicemember
I never been to this hospital I am a veteran I go to the hospital for free
04/29/2022	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	NJ 07307	Web
XX/XX/22 CHOICERECOV XXXX XXXX XXXX. This account is already disputed.
08/06/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 451XX	Web	Servicemember
This item showed up on my credit report and I have no knowledge of it.
08/19/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21244	Web
I received a copy of my credit report and found inaccurate accounts.
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 347XX	Web
This company has violated Hippa laws I demand they are investigated
08/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 320XX	Web
I have a good relation with XXXX and have no outstanding payments.
06/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32207	Web
Choice Recovery INC balance {$42.00} opened XX/XX/201XXXX XXXX
05/25/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70810	Web
CHOICE RECOVERY IS ILLEGALLY REPORTING ON MY CREDIT REPORT
05/29/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29414	Web
This account is too old to be on my credit report.
04/15/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OH 45231	Web
How did you prove the bill belong to me?
07/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28273	Web
Please see attached documents
09/07/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL XXXXX	Web
Choice recovery inc {$48.00}
12/05/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43068	Web

12/04/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43068	Web

12/04/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43068	Web

12/03/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30263	Web

12/02/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	OH 45014	Web

11/20/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TN 38555	Web	Older American

11/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43229	Referral

10/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32222	Web

10/16/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32207	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	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	KY 41035	Web

10/09/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	KY 41035	Web

10/09/2022	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32257	Web

09/28/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 45241	Web

09/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43215	Web

09/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OR 97128	Web

09/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 45383	Web

09/14/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	KY 40118	Web

09/13/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32746	Web

09/09/2022	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	OH 45211	Web

09/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 43219	Web

08/31/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29349	Web

08/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20794	Phone

08/30/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32068	Web

08/27/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AL 36701	Web

08/25/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 34777	Web

08/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30014	Web

08/18/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 45426	Web

08/17/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MO 65201	Web

08/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 64134	Phone

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	MO 64134	Phone

07/21/2022	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	GA 31907	Phone

07/21/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77042	Web

07/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	KY 41015	Web

07/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33914	Web

07/11/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	KY 41230	Web

06/18/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32207	Web

06/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29209	Web

06/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29209	Web

06/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29209	Web

06/14/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77662	Web

06/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78540	Web

06/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 94538	Web

06/08/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33626	Web

06/06/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 43017	Web

06/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 43123	Web

05/26/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33766	Web

05/26/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AL 36877	Web

05/25/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 19567	Web

05/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30127	Web

05/17/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32226	Referral

05/15/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30034	Web

05/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IN 46901	Referral

04/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33309	Web

04/15/2022	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 85546	Web

04/12/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28016	Web

04/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20712	Web

04/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77706	Web

03/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 44118	Web

03/16/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 45238	Web

03/16/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NY 12590	Web

03/11/2022	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	GA 31903	Web

03/04/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OH 45417	Web

02/23/2022	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	KY 41042	Web

02/04/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77706	Web

02/03/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29486	Phone

01/28/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32218	Web

01/26/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31907	Web

01/26/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32208	Phone	Older American

01/21/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	OH 44256	Web

01/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 10028	Referral

01/15/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 46226	Web

01/08/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 45417	Web

01/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31907	Web

12/26/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	OH 45417	Web

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

12/21/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AL 36701	Web

12/21/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AL 36701	Web

12/20/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32220	Web

12/16/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 45440	Web

12/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32792	Web

12/13/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CO 80904	Web

12/13/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33076	Web

12/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43232	Web

12/08/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77708	Web

12/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 34734	Web

12/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	GA 30349	Phone

12/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OH 45240	Web

11/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43201	Web

11/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 45224	Web

11/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30340	Web

11/24/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	OH 45385	Web

11/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30072	Web

11/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IN 46075	Web

10/25/2021	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 31907	Web

10/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43110	Web

10/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43040	Web

10/19/2021	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	IL 62221	Web

10/05/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34689	Web

10/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43235	Web

10/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43110	Web

10/01/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33578	Web

09/30/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07108	Web

09/29/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34203	Web

09/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32083	Web

09/08/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34203	Web

09/07/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 45240	Web

08/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 02632	Web

08/20/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77406	Web	Older American

08/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 43232	Web

08/17/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 43147	Web

08/16/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 45040	Web

07/26/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 45266	Phone

07/21/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30084	Web

07/21/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33067	Web

07/20/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OH 45240	Web

07/18/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43219	Web

07/17/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 45238	Web

07/14/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60827	Web

07/14/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 43110	Web

07/13/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OH 45240	Web

06/29/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 45240	Web

06/26/2021	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 33511	Web

06/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34243	Web

06/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77703	Web

06/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43232	Web

06/01/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77047	Web

05/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 45449	Web

05/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32164	Web

04/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07052	Web

04/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32207	Web

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	IL 60074	Web

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	FL 32117	Web

04/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43068	Web

03/31/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33311	Web

03/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76140	Web

03/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 45013	Web

03/18/2021	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 Investigation took more than 30 days	GA 31023	Web

03/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28801	Phone

03/14/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77708	Web

03/14/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77708	Web

03/10/2021	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	PA 19601	Web

03/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 45231	Web

02/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60653	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

01/31/2021	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30607	Web

01/29/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 45503	Web

01/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 35173	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	GA 31909	Web

01/15/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 45231	Web

01/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44907	Web

01/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32211	Web

12/27/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43227	Web

12/04/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 45238	Web

12/02/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 31419	Web

12/01/2020	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	OH 45250	Web

11/25/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 43062	Web

11/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33579	Web

11/08/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 43110	Web

11/06/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34202	Fax

10/30/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78259	Web

10/23/2020	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	IL 60133	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 77666	Web

10/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	KY 41014	Web

10/13/2020	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NC 28801	Phone

10/13/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77630	Web

10/05/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33896	Web	Older American

09/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31907	Web

09/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30354	Web

09/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30168	Web

09/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31903	Web

09/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46268	Web

09/27/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 45011	Web

09/25/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32311	Postal mail

09/23/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	OK 73012	Web

09/15/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32257	Web

09/10/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	IL 60143	Web

09/06/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32246	Web

09/04/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt		Phone

09/03/2020	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	OH 43219	Web

08/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77015	Web

08/18/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77015	Fax

08/14/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 43074	Phone

08/07/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28086	Web

08/04/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77707	Web

07/25/2020	Yes	Debt collection Medical debt	Communication tactics Called before 8am or after 9pm	OH 43147	Web

07/25/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43223	Web

07/21/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30032	Web	Servicemember

07/21/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29229	Web

07/17/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43232	Web

07/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43227	Web

07/10/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32605	Postal mail

06/27/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 31093	Web	Servicemember

06/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 45240	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	OH 45240	Web

06/09/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77530	Fax

06/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32817	Web

06/03/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 43227	Web

05/12/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33545	Web

05/07/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OH 45239	Web

05/07/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OH 45239	Web

05/07/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 70563	Fax

04/25/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77662	Web

04/24/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA 70805	Web

04/24/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77632	Web

04/14/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 45342	Web

04/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect		Postal mail

04/02/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33415	Web

04/02/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33415	Web

03/30/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33470	Web

03/29/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76177	Web

03/22/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA 70508	Web	Servicemember

03/03/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 47918	Web

03/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MN 55331	Web

02/24/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75002	Referral

02/19/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30168	Web

02/19/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28150	Web

02/17/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	MO 63304	Web

02/06/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	KY 41011	Web

01/18/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 45211	Web

01/14/2020	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	VA 23236	Web

01/06/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 10166	Fax

01/05/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28152	Web

12/10/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30078	Web	Servicemember

11/26/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 77632	Web

11/10/2019	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	IN 46239	Web

11/05/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 43015	Web

10/23/2019	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	NY 14211	Web

10/20/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32046	Web

09/24/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32246	Web

09/23/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60804	Web

09/10/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	KY 41011	Web

09/02/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30033	Web

08/30/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 45157	Web

08/28/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60626	Web

08/09/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 45011	Web

08/06/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43219	Web

08/03/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	SC 29485	Web

08/03/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 45419	Web

08/03/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 07057	Web

07/20/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75002	Web

07/16/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28086	Web

06/14/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 43211	Web

06/10/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77611	Web

06/01/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MO 63146	Web

05/09/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 43229	Web

05/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31324	Web

05/08/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 31907	Web

05/08/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31909	Web

05/06/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32218	Web

04/27/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77095	Web

04/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33162	Web

04/18/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 45247	Web

04/16/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77701	Web

04/03/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29229	Postal mail

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

03/25/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KY 41042	Web

03/21/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31907	Web

02/11/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AL 35023	Web

02/07/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28151	Web

02/04/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 45215	Web

01/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30097	Web

01/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 18508	Web

01/12/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NJ 07502	Web

01/07/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AL 35080	Web

01/05/2019	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 32117	Web

12/31/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 45211	Web

12/27/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 45225	Web

12/21/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75254	Web

11/14/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33760	Referral

11/06/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29070	Web

10/12/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CT 06340	Web	Servicemember

10/12/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77630	Web	Servicemember

10/08/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 61832	Web

10/03/2018	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	FL 32065	Web

09/27/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77630	Web	Servicemember

09/02/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32065	Web

08/18/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 45215	Web

08/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 45424	Web

07/18/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

07/12/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 31907	Web

07/10/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

06/16/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 45245	Web	Servicemember

06/09/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76002	Web

06/03/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78745	Web

05/30/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 31091	Web

05/30/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33568	Web

05/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35043	Web

05/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 45039	Web

05/08/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70816	Web

05/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KY 40160	Web	Servicemember

05/06/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32225	Web

05/03/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32818	Postal mail

05/01/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43213	Referral

04/21/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 45238	Web

04/09/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32086	Web

04/05/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 45215	Web

04/05/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	VA 23505	Web

04/03/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 45503	Web

03/26/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32208	Web	Servicemember

03/25/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 74033	Web

03/22/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 45240	Web

03/21/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60626	Web

02/28/2018	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	OH 43078	Web

02/27/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29016	Web

02/22/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 43230	Web

02/20/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60433	Referral

02/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33707	Web

02/14/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32205	Web

01/29/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32207	Web

01/26/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33643	Web

01/25/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32177	Web

01/23/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60440	Fax

01/19/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32256	Web

01/16/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33484	Web

01/16/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	OH 45449	Web

01/16/2018	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	IL 60613	Web

01/13/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32771	Web

01/11/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32208	Web

01/08/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 45426	Web

12/17/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60153	Web

12/12/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33433	Web

12/12/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

12/06/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33433	Web

12/01/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 45207	Postal mail

11/30/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29414	Web

11/22/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 63026	Web

11/11/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NC 28052	Web

11/03/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 43130	Web

10/17/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 45359	Web	Older American

10/06/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 45069	Web

09/22/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32208	Web

09/17/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 43015	Web

09/12/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NY 10469	Web

09/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 45216	Web

08/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 45385	Web

08/13/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33976	Web

08/10/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32225	Web

08/03/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Postal mail

07/28/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32256	Web

07/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 45371	Postal mail

07/18/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 45247	Web

07/16/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33584	Web

07/15/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 23602	Web

07/10/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33584	Web

06/20/2017	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OH 43147	Web	Servicemember

06/16/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 32245	Postal mail	Servicemember

05/21/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32304	Web

05/16/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33756	Web

05/12/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 89081	Web	Servicemember

05/09/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 43211	Web

04/30/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32065	Web

04/27/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77656	Phone

04/21/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH 45002	Web

04/21/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 45701	Postal mail

04/13/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33539	Web

04/10/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IL 60642	Web	Older American

04/01/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH 43213	Web	Older American

03/09/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	PR 00985	Web

03/08/2017	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OH 45255	Web

02/22/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60645	Web	Servicemember

02/21/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	WI 53202	Phone

02/06/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 32277	Web	Servicemember

02/01/2017	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	NC 28086	Web

02/01/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NC 28086	Web

01/27/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 43420	Web

01/11/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	KY 42262	Web	Servicemember

12/28/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MO 63040	Postal mail

12/24/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 32224	Web

12/18/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32244	Web

12/15/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 32311	Phone

12/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33578	Web

11/28/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 32311	Web

11/04/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 32234	Web	Servicemember

11/01/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 34431	Web

10/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 45011	Web

10/18/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	FL 33401	Web	Servicemember

10/13/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OH 43701	Web

09/22/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 75069	Web

08/31/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 32348	Web

08/19/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33444	Web

08/18/2016	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	OH 43240	Web

07/25/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 34608	Web

07/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IL 60565	Referral

07/08/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	OH 43110	Web

07/06/2016	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	OH 43222	Web

07/06/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OH 45107	Phone

06/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IL 60526	Referral

06/21/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OH 45409	Web

06/07/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 43011	Web

04/20/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32193	Referral

04/04/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	OH 44820	Phone	Older American

03/31/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	IL 60445	Web

03/22/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	OH 43054	Web

03/11/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32216	Web	Servicemember

02/16/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	WI 53711	Postal mail

02/10/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	AL 36535	Phone

01/27/2016	Yes	Debt collection Medical	Improper contact or sharing of info Contacted employer after asked not to	FL 32207	Web

01/22/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NY 11369	Referral

01/10/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 32246	Web

01/06/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 92708	Referral	Older American

01/04/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 33617	Web	Older American

12/02/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	VA 23452	Phone

10/06/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 43723	Web

08/31/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 32092	Fax

07/31/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 34287	Phone	Servicemember

07/17/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	NC 28376	Web

06/23/2015	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	NC 27265	Web

06/23/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	MI 48047	Web

06/08/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IL 60192	Web

05/19/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 32804	Web

03/12/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 34473	Web	Servicemember

03/12/2015	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	FL 32303	Web

03/09/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 32336	Web	Servicemember

02/23/2015	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	OH 45152	Web

02/12/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IL 60096	Web

02/11/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	SC 29730	Web

02/05/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IL 60104	Web

02/03/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 32255	Web

02/02/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH 45140	Web

01/30/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	KY 41042	Web

01/29/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IL 60096	Web

01/29/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	SC 29730	Web

01/27/2015	Yes	Debt collection Medical	False statements or representation Indicated committed crime not paying	FL 32656	Web

01/07/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	OH 43147	Web	Servicemember

12/24/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 43064	Web

12/08/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	MI 48733	Web

11/21/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	NC 28086	Web

11/14/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH 45122	Web

11/13/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 32219	Web

11/03/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 32054	Web

10/29/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	PA 16125	Web

10/05/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32246	Web

08/31/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32225	Web

08/28/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 45502	Web	Older American, Servicemember

08/06/2014	Yes	Debt collection Medical	Taking/threatening an illegal action Threatened arrest/jail if do not pay	FL 32073	Web

07/16/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	OH 43016	Web

06/27/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32201	Web	Servicemember

06/16/2014	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	OH 43040	Web

05/13/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	GA 30909	Web	Servicemember

04/14/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	WV 26101	Web

03/28/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 32533	Web

03/20/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	FL 32310	Web	Servicemember

02/28/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 34638	Referral

02/24/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 32317	Web

02/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 32317	Web

02/13/2014	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened to sue on too old debt	PA 15644	Phone

01/10/2014	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 32092	Postal mail

12/20/2013	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	IL 60453	Phone

11/28/2013	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH 43214	Web	Older American

11/04/2013	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	KY 41042	Web	Servicemember

10/24/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	KY 41042	Web

10/06/2013	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 32219	Web

10/05/2013	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	OH 43081	Web

09/26/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33646	Web

09/13/2013	Yes	Credit reporting	Incorrect information on credit report Reinserted previously deleted info	OH 45405	Web

08/17/2013	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	OH 43215	Web

08/03/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	DC 20001	Web