Collection Bureau of Fort Walton Beach, Inc CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
08/25/2020	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	AR 723XX	Web
Collection Bureau of Ft. Walton Beach , FL , Inc. continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The alleged entry has an account number as XXXX and the original creditor is XXXX XXXX XXXX XXXX. The entry on my reports reflect that Credit Bureau of Ft. Walton Beach reported this entry in XXXX and XX/XX/XXXX on my credit report, yet they did not provide any communication to me. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Collection Bureau of Ft. Walton Beach, FL. To that end, in XX/XX/XXXX ( see attached letter ), I sent a certified letter to this company. The tracking of this receipt reflects that they did indeed receive the dispute ( see attached ). To date, this company has not responded to my dispute of the validity of the entry they are continuing to negligently report. This company has had over 6 months to respond to me, yet they have not. I submitted two letters to this company ( see attached ). In my first dispute letter to them in XX/XX/XXXX, I requested : An agreement that states their authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, Alleged account number, Date this alleged debt became payable Original delinquency date, Verification that this debt was assigned or sold to collector Complete accounting of alleged debt, and Name and address of the bonding agent for collection agency in case legal action becomes necessary. THEY DID NOT RESPOND. In my second request, given I never received any notification from them with regard to the first dispute, I requested they provide a copy of the financial responsibility page, provide a copy of my signature with the provider of service to release my medical information to them and cease any credit bureau reporting until the debt had been validated by me. They DID NOT. Even more specific is the reporting they are doing among the bureaus. The bureaus reflect different information for this same account. Again, further proves the inaccuracies and their negligence. The payment history for this account lacks veracity. If they are indeed a third party collection company, how is there alleged payment history reporting? This is inaccurate. Why does XXXX reflect payment history in XXXX and XXXX, yet on XXXX, this collection company states the payment status is PAID. This is misleading and yet another inaccuracy of this company. If the debt is paid, why are they continuing to report this information as if they are collecting on it? Prior to reporting any alleged medical entry to consumer 's credit report, the XXXX provides a collection company must wait 6 months. This company violated this as well. Their reporting again began in XX/XX/XXXX and the date opened reflects XXXX and XX/XX/XXXX. This is only a mere 2-3 months. Consumer law provides that the creditor is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days. It is obvious that Collection Bureau of Ft. Walton Beach, Fl has no intent to honor the law nor respond to my previous disputes ; therefore, in the absence of them not responding with any documentation to validate the alleged debt, this entry must be removed from my credit report immediately.
12/18/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 324XX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX Consumer financial Protection Bureau XXXX XXXX XXXX XXXX IA XXXX Re : Violation of Fair Debt Collections Practices Act. I XXXX XXXX over the past six months have tried to validate/verify the supposed debt with XXXX XXXX XXXX XXXX XXXX that the collection agency in XXXX XXXX XXXX Florida has placed on my credit buraus file. Collection Bureau of Fort Walton Beach , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In this process I have : 1. Sent several letters to XXXX XXXX XXXX XXXX XXXX over the past 6 months ( Please see enclosed copies of envelopes and letters ). 2. The first letter I sent was non-certified dated XX/XX/2018. This letter was returned to sender with parts of it marked out. 3. The second letter was sent certified dated XX/XX/2018. This letter was returned marked not deliverable unable to forward. 4. Then I sent letters disputing this collection account with the three credit buraus XXXX, XXXX and XXXX ( enclosed are the letters with paperwork to the credit buraus labeled 1-6 ) Every time I dispute this account { that I can not verify or validate with the Original creditor } some of the credit buraus come back and say this account has been VERIFIED this account belongs to me ( please see enclosed paperwork from XXXX and XXXX labeled 1a and 2a ). I have sent letters to the three credit bureaus asking them how they can verify and or validate this account when I can not do that. As of this date XX/XX/2018 I have received no response to those letters ( letters labeled 3a and 3b ) I have also sent a letter to the collection agency : Collection Bureau of Fort Walton Beach , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( letter labeled 4d ) as of this date I have received no response to the letter. Since am not able myself to validate or even verify this debt with the original creditor and the collection agency : Collection Bureau of Fort Walton Beach , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they are not willing to correspond or communicate with me on this det that I supposedly owe. Nor are they willing to provide any proof I have asked for in my letter to them then this debt is unverifiable. However, the collection agency will communicate with the credit bureaus and tell them the debt is verifiable and that makes the credit bureaus keep a debt I can not even verify nor able to validate my self with the credit bureaus on my credit history. With this the collection agency is violating the FDCPA by placing a non-verifiable det on my credit files with the credit bureaus XXXX XXXX and XXXX. The resolution to this : 1. I need the non-verifiable non-validated det removed from my credit files with the three credit bureaus XXXX, XXXX and XXXX. 2. If there are any state or Federal disciplinary actions that can be taken ageist this collection agency for placing a non-verifiable non-validated det on my credit history. XXXX XXXX XX/XX/2018
09/02/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33541	Web
I filed a complaint/request with the Collection Bureau of FT Walton Beach for proof that debt is correct. And they did send me information, just not all the information. But what they did send has now led to file a complaint, not a request. I have several problems with this Collection agency and or the provider over this debt. 1. The collection agency has taken two separate medical bills allegedly performed a few months apart and has merged the debt into one. I believe this is done to circumvent the minimal amount needed in-order to place debt onto a credit report. One of the bills is for XXXX and the other for XXXX and they have it reported as one account in the amount of XXXX. 2.as proof they sent me an electronic remittance advice that was sent to them from my insurer for the bill that has balance of XXXX. This provided clear and necessary information and was satisfactory. However, for the second bill, they sent me a heavily altered form called an Explanation of Payment Report. that's also from the Health Insure, but contains none of the information they provided for the XXXX Bill. and i question the authenticity of this document. which by the way, Includes other patients identifying information. The second form is apparently a list of what the insurer paid the provider unto XXXX However both invoices state payment for both XXXX stays were paid on XX/XX/ but there is only one payment on my behalf from my insurer. their should be two. 3. On the invoice for service dated XX/XX/ it states XXXX XXXX XXXX paid on XXXX but the altered form states it was paid on XX/XX/2019 by XXXX, not XXXX XXXX XXXX. In fact, I Only recently joined XXXX XXXX XXXX on XXXX So it's obvious the provider was digging around in a attempt to justify this collection. Providers can look to see who a patients insurer is. So i believe this invoice was just recently created in a attempt to deceive me. I hope they didn't actually Bill XXXX XXXX XXXX, because that would be Medicare fraud and I will be watching. I have included the forms, I have highlighted the areas that are questionable and left notes on them to make it easier to follow. now, for a blunt summary so there is no question as to why I'm filing this complaint being filed. I believe this second bill for XXXX is a result of Double Billing, unbundling or balance Billing for the difference of what Medicare paid and what the provider charged, all which are a big no-no. I ask that the collection agency and the provider perform a more diligent and good faith attempt and look into this, but this time with out doctored forms and false information.
05/16/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MS 38654	Web
I requested to validate the alleged debt on XX/XX/2017 via registered mail. The letter requested a breakdown of fees including collection costs and medical charges, a copy of my signature with the provider of the service to release my medical information, a copy of my signature with the provider of the service accepting the responsibility of the costs associated with the services provided, and to cease any credit reporting until the debt has been validated by me. Collection Bureau of Ft. Walton Beach received the registered letter o n XX/XX/2017 . I received the attached documentation on XXXX XXXX XXXX as verification of debt, however, the documentation does not include a copy of my signature with the provider of the service to release my medical information nor a copy of my signature with the provider of the service accepting the responsibility of the costs associated with the services provided. Therefore, Collection Bureau of Ft. Walton Beach ha s not verified the alleged debt and is illegally reporting an invalid debt. I previously filed a complaint on X/X/2017 that closed on X/XX/2017 with the explanation from the company as follows : " I am unable to access any accounts under the name and address I have been provided. If you can provide me with an account number. If you have had any other addresses I can try that also. If you received a response from my office to your original validation request i would have the account # on it. '' " I can not locate with the name and address given. If we have already validated the debt then an account # would have been included on that validation. '' In the attached documentation my maiden name, XXXX XXXX , and current address clearly appears on the documentation that was sent to me as verification. Please refer to the attached documentation, it is clear that the response from your office to validate the debt does not have an account number on it. Luckily, I have my credit report on hand. The account details and numbers are as follows : Acct # : XXXX in the amount of {$510.00} Acct # : XXXX in the amount of {$350.00} Acct # : XXXX in the amount of {$25.00} Acct # : XXXX in the amount of {$180.00} *Please Note : Acct # : XXXX in the amount of {$180.00} has been deleted, however, I would like to verify that the account does not return and report illegally.
03/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	AR 723XX	Web
Collection Bureau of Ft. Walton Beach XXXX FL XXXX Inc. continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The alleged entry has an account number as XXXX and the original creditor is XXXX XXXX XXXX XXXX. The entry on my reports reflect that Credit Bureau of Ft. Walton Beach reported this entry in XXXX and XX/XX/XXXX on my credit report, yet they did not provide any communication to me. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. The payment history for this account lacks veracity. If they are indeed a third party collection company, how is there alleged payment history reporting? This is inaccurate. Why does XXXX reflect payment history in XXXX and XXXX, yet on XXXX, they do not report any payment history. Too, the Affordable Care Act provides that companies must allow six months to past prior to reporting any alleged medical entry to consumers ' credit report. This company violated this as well. Their reporting again began in XX/XX/XXXX and the date opened reflects XXXX and XXXX XXXX this is only a mere 2-3 months. Additionally, I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Collection Bureau of Ft. Walton Beach, FL. To that end, in XX/XX/XXXX ( see attached letter ), I sent a certified letter to this company. The tracking of this receipt reflects that they did indeed receive the dispute ( see attached ). To date, this company has not responded to my dispute of the validity of the entry they are continuing to negligently report. This company has had 60 days to respond to me, yet they have not. Consumer law provides that the creditor is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days. It is obvious that Collection Bureau of Ft. Walton Beach, Fl has no intent to honor nor respond to my previous dispute ; therefore, in the absence of them not responding with any documentation to substantiate the alleged debt, this entry must be removed from my credit report immediately.
08/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32207	Web
On XX/XX/2022 I sent to the COLLECTION BUREAU XXXX XXXX a letter and beyond the time allowed by Federal law have not heard back from them informing me if an investigation has taken place. The letter I sent to the COLLECTION BUREAU XXXX XXXX icluded all supporting documents including an FTC report showing all fraudulent accounts that were opened in my name. Of those still being reported on my Credit report is one and thats by COLLECTION BUREAU XXXX XXXX all other accounts held by other collections agencies were deleted. I informed them that there was a fraudulent account being reported by them on my XXXX credit profile. I'm desiring to get passed this ongoing attempt to be given what is righteously due to me, JUSTICE. I have provided COLLECTION BUREAU OF XXXX with laws they are violating against me and also informed them of what my financial compensation could be if they are found to be willfully or negligently non willfully causing me pain by not deleting this erroneous and fraudulent information as stated in the FCRA. I have given to this company FTC reports, statements personally by me via letter about how I had been defrauded, as well as other laws that are being ignored. It seems I am being purposefully ignored and mistreated by the COLLECTION BUREAU XXXX XXXX. I will NOT be taken advantage of anymore. Delete this from my report as it is not mine! and I will not participate in the collection of this debt. Delete or next I will seek litigation. I have provided an attachment that contains my FTC report, dispute sent to the COLLECTION BUREAU XXXX XXXX on XX/XX/2022, Drivers License ( this is also is my proof of current residence as I do not have any bills in my name ), and my social security card. I gave the COLLECTION BUREAU XXXX XXXX No permissible purpose to report anything on my report and demand this be deleted according to 15 U.S. Code 1681b PERMISSIBLE PURPOSE OF CONSUMERS REPORTS. According to my rights in the FDCPA I also am requesting communication between me and you to cease and desist. Unless you can provide me with the Original contractual Documents bearing my signature, as well as the statue of limitation of that debt present I again am being violated and the account MUST BE DELETE AT ONCE. DELETE this fraudulent account. I had no knowledge it existed.
06/20/2017	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 Their investigation did not fix an error on your report	FL 32404	Web	Servicemember
In XXXX or 2017 , I contested an item on my credit report that was reported as collection by Collection Bureau of FWB. It is a XXXX bill that I have no legal responsibility for and know nothing about. I did go there for XXXX XXXX XXXX for the brief period of time I lived there in a previous year. My bill was always paid in full by my insurance company. The reply that I got from XXXX , was : '' This account is no longer being reported ''. This is not an acceptable response. I do not owe this amount nor do I have any legal responsibility to pay this bill. This account should not be on my credit report and should be removed or show me proof that it is in my name and that I signed anything for responsibility of another persons account. Just saying : " It 's yours '' tells me that someone did not do their job in investigating the validity of the debt. I am so tired of fighting at every turn, even debts that were discharged from bankruptcy being reported and updated as collections in the past. This has been contested 3 times in the past year and the last time did not even get a response and the 30 days is up. I ca n't even log into XXXX online or by phone. They have told me my information, that I have been using for 40 years, is incorrect and access is not available to me. I tried to have XXXX removed, faxed the requested proof that I am not a XXXX and have never been a XXXX and they send me a letter telling me I need to submit the same documents that I had previously sent and faxed. I am requesting that this collection be removed from my report. A reply of it is no longer being reported is not proof of debt liability, and my last request was not answered within the 30 days. Thank you for your assistance with this matter. XXXX XXXX XXXX
03/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32327	Web
THIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND YOU GUYS HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
08/13/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33541	Web
I don't understand why this debt exists and need to know more details in order to determine if the debt is valid. It's a medical debt from XXXX XXXX in XXXX, Fl. The collection was opened on XX/XX/2020 in the amount XXXX This stay was due to an involuntary 72 Hour hold through the Backer Act. I'm considered indigent for the purposes of the 72-hour hold and The State Should have been billed for this hold. I'm also a Medicare recipient and would have had a Medicare XXXX XXXX and depending on the date may have had medically needy Medicaid. It's extremely unusual that I receive hospital bills outside of my co-payment. So I'm requesting the creditor provide the following information. 1. The Date of the Hospital stay. 2. The names of the Providers if applicable 2. what insurances were billed Billed including State or Local programs. 3. a copy of the claims that were submitted to the Medicare plan that clearly shows the Diagnosis codes and CPT codes a copy that shows what the insurer paid. 4. I also need to know who the insurer found Liable for the claim or the remainder of the claim as described in the Medicare billing processing Guide XXXX plans need to follow. The provider should have received this from the insurer. or 5. The insurer 's own policy must provide at minimum the same protections granted by Medicare, these policies if they had one in place would have had stricter procedures in Billing patients directly. I wish I could Provide the name of the insurer, But I usually change XXXX Plans every year and need the admitting to date to identify the Plan in question. Thank you.
05/01/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 35226	Web
In XXXX, I tried to purchase a house. When I pulled a credit report, I noticed I had a collection from the Credit Bureau of FWB that plummeted my credit. The {$1000.00} collection was from a hospital bill that should have been covered by insurance. On Monday, XX/XX/XXXX, I went to XXXX XXXX XXXX ( XXXX ) in XXXX, Alabama for a XXXX XXXX. After the co-pay, most of the medical costs for that same day were covered by XXXX XXXX of Alabama. However, there was a third party doctor group ( XXXX XXXX XXXX XXXX ) that did not submit the bill to my insurance, and therefore went into collection. Less than two years later, I contacted the collection agency and XXXX XXXX XXXX Alabama numerous times over several months. There were a couple of times when I would get both the collection agency and XXXX on the phone together. XXXX of Alabama agreed that the bill should have been covered by my insurance. The issue is that XXXX XXXX XXXX XXXX no longer existed and were not able to re-file the medical bill with XXXX of Alabama. Because the two year window to file the bill on my insurance was closing, XXXX agreed to cover the costs. However, two years later ( XXXX of XXXX ) the costs were never covered by my insurance ( XXXX ). Both XXXX and the Collection Bureau of FWB both have phone records of these conversations. Some occurred between them and my mother, XXXX XXXX and between me and them. I have had insurance my entire life without a lapse and find it incredibly discouraging that XXXX XXXX XXXX XXXX is going to cost me {$1000.00} and ruin my credit.
06/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 98103	Web
All of these accounts are reporting collections as " Open account '' which is not under FCRA compliance. This is inaccurate reporting and it needs to be removed immediately. COLLECTION BUREAU OF FT WALTON BEACH # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXXDate Updated:XXXXOriginal Amount : {$430.00} Original Creditor : XXXX XXXX XXXX Past Due : > XXXX XXXX XXXX Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXXDate Updated:XXXXOriginal Amount : {$400.00} Original Creditor : XXXX Past Due : > $ XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX XXXX XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type XXXX Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXX XXXX Amount : {$2000.00} Original Creditor : XXXX XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX
11/12/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 331XX	Web
This letter is in response to your collection on my credit report which was opened on XXXX XXXX, XXXX. Since the amount is so small, I wish to save us both some time and effort by settling this debt. Please be aware that this is not an acknowledgment or acceptance of the debt, nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. I am willing to pay this debt in full in return for your agreement to remove all information regarding this debt from the credit reporting agencies within XXXX calendar days of payment. If you agree to the terms, I will send certified payment in the amount of {XXXX payable to COLLECTION BUREAU OF FT in exchange to have all information related to this debt removed from all of my credit files. If you accept this offer, you also agree not to discuss the offer with any third-party, excluding the original creditor. If you accept the offer, please prepare a letter on your company letterhead agreeing to the terms. This letter should be signed by an authorized agent of COLLECTION BUREAU OF FT. The letter will be treated as a contract and subject to the laws of my state. As granted by the Fair Debt Collection Practices Act
08/27/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 324XX	Web
I have sent letters to this company on a couple of occasions. Asking them to validate this collection debt they are stating I owe. The most recent letter was sent to them on XX/XX/2021 and they have yet to respond. The last letter I received from them stated that they were not going to dispute because my letter was frivolous to them. I have been asking them to validate this collection debt by asking them a series of questions. Like proof they own debt, proof that have a right to collect in Florida-my state, proof of bond, how were fees determined, how much did they pay for debt? etc etc. They have blatantly disrespected me, my request and violated my rights under the fdcpa and hippa laws. I have health insurance and how they are saying I owe this debt is baffling to me. I need to see proof that I had this service, what services I am being charged for and what the cost of each service I am being charged for because this company is ruining my credit reputation. Furthermore, This Collection Agency did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am getting ready to find me a lawyer to see what I can do legally. Should this item not be deleted within the required time allowed by law. These are the dates I sent collection company letters : XX/XX/2021 XX/XX/2021 Respectfully Yours,
04/21/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MS 38632	Web
After monitoring my credit reports from all three bureaus I noticed a collection for {$120.00} from COLLBURXXXX and dated they received XX/XX/XXXX so I called to request details so i could determine if this was a true bill or not and the person was informed I was recording the call as well and that this was not my bill and could she give me the any information the account number, dates, amounts, coverage of insurance, anything that could prove it was a bill owned by me or send me what she had be cause that wasn't enough etc. and she sent me a link to " virtu '' pdf and on this was NO INFORMATION except my name, date of visit, a date 9 days later when it was filed and nothing else no social, no DOB, no address nothing. then I started researching what to do and I learned about " XXXX debts '' and debit collector scams and that this COLLBURXXXX had not contacted me and had no information and stated there computers had been down is the reasoning for not reporting to bureaus or contacting me, so I went further and background checked the individual that the email came from and needless to say if its the same person which it only pulled one who sent the email she has been arrested for theft a few times. The Email was sent from XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Did know what to do other than send a certified letter requesting debit validation but wanted to also contact you
05/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 32207	Web
I placed a dispute with this company regarding this issue first being XX/XX/XXXX and again XX/XX/XXXX ( see included attachment for proof of dates ), I informed THE COLLECTION BUREAU OF FWB of my FTC report filed both on my own as well as through the CFPB. I also physically have written a dispute about the fraudulent accounts opened in my name. All this I have done thinking it would be taken care of and to no avail. According to 15 U.S. Code Sec 1681c-2 ( a ) ( 4 ) BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT they must block this fraudulent information from reporting once I ( the consumer ) informed them that the information is not information relating to any transaction by me ( in this case the FTC reports I have filed as well as my written a dispute to this company informing them of the theft ) by law this information I have identified as fraud is to be blocked no later than 4 business days after date they received my filings. This is very upsetting because after years of dealing with this situation I am still going through this pain staking issue rehashing old feelings of being defrauded. I am being hindered by this and need closure or will have no choice but to seek other means of mitigation through litigation. I also have no bills so my proof of address is located on my license and will have to be sufficient.
11/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30291	Web
COLLECTION BUREAU OF FWB. amount : {$1300.00} on four separate occasions totaling in 120 days or more, I have requested validation of this account. they have refused to send me any documentation regarding this account. This is in total violation of the FCRA. They have neglected to respond and remove this account for failure to respond my last letter is sent was along the line of ..... This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. THEY NEVER RESPONDED i would like this account to be removed from any credit bureau it is reporting to
05/20/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IN 463XX	Web	Servicemember
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Company MUST provide signed agreement between I XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXXXXXX You claim the Debt is valid although you have not shown proof and you only provide hearse information
01/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27517	Web
I lived in an apartment complex in XX/XX/2016, with no complaints or damages. I looked on my credit report recently, and noticed a derogatory mark from COLLECTION BUREAU OF FT. I called and asked about the mark, they said it was from the apartments and that there was {$930.00} in damages, they had used my {$300.00} security deposit, and my {$630.00} bill had gone to collections, where they posted it on my credit report. I was never made aware of this bill from the apartment complex or collections agency. I asked for proof of the debt, which I have not received in over 30 days now. I got in touch with my roommate from that apartment, and he said the same thing happened to him! This does not make sense, because the total security deposit was {$300.00}, and the alleged total damages were {$930.00}. How could we both have the same exact charge? We did not contribute a total {$600.00} security deposit. Also, what is the likelihood that we both missed bills from the apartment complex and the collection agencies? We both have been asking for answers for months now, and no one will respond. This is lowering our credit reports unfairly.
05/09/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MS 38654	Web
I requested to validate the alleged debt on XXXX via registered mail. The letter requested a breakdown of fees including collection costs and medical charges, a copy of my signature with the provider of the service to release my medical information, a copy of my signature with the provider of the service accepting the responsibility of the costs associated with the services provided, and to cease any credit reporting until the debt has been validated by me. Collection Bureau of Ft. Walton Beach re ceived the registered letter on XX/XX/2017 . I received the attached documentation on XXXX XXXX XXXX as verification of debt, however, the documentation does not include a copy of my signature with the provider of the service to release my medical information nor a copy of my signature with the provider of the service accepting the responsibility of the costs associated with the services provided. Therefore , Collection Bureau of Ft. Walton Beach has not verified the alleged debt and is illegally reporting an invalid debt.
04/04/2021	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
After reviewing a copy of my credit report I noticed that Collection Bureau of Fort Walton Beach are currently reporting a debt on my credit report. Under the Fair Debt Collection Practices Act, I have the right to request validation of this alleged debt. I am requesting documentation containing a list of all charges, dates of services, including procedures given and all the fees associated. As you are aware, under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), I am allowed to protect my privacy and medical records from third parties. I never gave permission to ( Medical Company or Hospital ) to release my medical information to this company. I am fully aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. I am requesting the following : - List of fees including any collection costs and medical charges - Copy of my signature with the provider of service to release my medical information to you
01/01/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32210	Web
After sending a validation of debt letter to said company, i received a form asking for me to release my medical records to them so that they can provide me with what they used to verify the alleged debt. If i have to sign a release form so that collectors can prove a debt is mine, how was the debt ever verified? This company have not sent me any validation to this date but have a reported on my credit report a debt, that i have to sign for them to verify. This said debt does n't belong to me. I want physical proof of the original bill that they used to verify debt. not a request to release my medical records, thats inhumane, and an invasion of my privacy to ask for such. If they could verify the debt is mine they would n't need a release form, therefore they are reporting unverified information to the credit bureaus violating FCRA. Do not respond to me via email, mail, or phone, all response is to be via this website. Please upload proof of validation to this site or remove from all 3 credit reports. Thank you
01/09/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32548	Web	Servicemember
In XXXX I filed a complaint with you about 2 charges that showed up in my credit report from the Collection Bureau of Fort Walton Beach. One is for XXXX XXXX XXXX ( I have n't used this place in at keast 10 years ) and the other is XXXX XXXX XXXX ( I do n't even know who this is ). I believe you assigned one of the accounts XXXX, but I ca n't get back to the page at this moment to get the other number. In their response they said they would send me something verifying and proving that these charges are valid and are indeed mine, but as of this date, XXXX XXXX, XXXX, I have not received anything from the Collection Bureau of Fort Walton Beach. I provided feedback to the extent that I was hopeful they would send me the requested info as they said they would, but I should n't have sent feedback so soon. If they ca n't provide me with the verification, these charges need to be removed from all of my credit reports. I am not going to pay a charge that ca n't be proved to be mine.
11/06/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 242XX	Web	Servicemember
I was denied a XXXX Student Plus loan by the Department of Education which has resulted in a diminished chance of graduating from XXXX University with a XXXX XXXX XXXX in XXXX XXXX XXXX XXXX because the Department now requires perfect credit to get these loans. So I checked my XXXX Credit Report and found a collection from COLLECTION BUREAU OF FWB, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXFLXXXX ( XXXX ) XXXX for XXXX Tennessee XXXX XXXX XXXX XXXX. This debt is supposedly for services rendered in XXXX of 2018. I contacted the XXXX group and inquired about this as I had XXXX at that time. They have no record of providing service to me in XXXX, 2018, and no record of submitting a bill from that time or any other for collection. The Collection Bureau of FWB refuses to contact the provider to verify this or to send me their information justifying this collection. They also refuse to remove this fraudulent attempt to collect a debt from my XXXX credit report.
02/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60620	Web
I am a victim of Identity theft/fraud. I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. documents submitted to COLLECTION BUREAU OF FWB/XXXX XXXX, XXXX, XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. COLLECTION BUREAU OF FWB/XXXX XXXX, XXXX continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. This account must be removed immediately, as it is in clear violation of the FCRA.
12/03/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 323XX	Web
I was recently release from prison and checked my credit and found collections that I am not responsible for. I was a victim of id theft. The collection is from COLLECTION BUREAU OF F Original creditor. Below is a copy of transactions. ccount Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$260.00} {$260.00} Payment Info Original balance {$260.00} Balance {$260.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements- Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX Is everything correct? If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
07/27/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MI 48141	Web
In XX/XX/2019, I received a notice from XXXX that I had a negative account added to my reports. Upon reviewing my reports I noticed a {$120.00} collection from XXXX XXXX XXXX severely dropping my score. I never received any type of communication about this alleged debt. I decided to send the collection agency a dispute letter requesting debt validation. I got a response from Collection Bureau of Ft Walton Beach requesting that I send in a medical release form, and that if I don't they will see any future communications from me as " irrelevant and frivolous. '' The debt is not mine I have never heard of neither the collection bureau or the original creditor nor have I've never heard of sending release forms and affadavits to a collection agency to get validation. They are bound by law to either validate this debt or cease reporting/collecting and have it removed from my reports. I take my credit and identity very seriously.
09/25/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MS 395XX	Web
I had a lease with XXXX XXXX XXXX in XXXX, Mississippi. I left the apartment due to the amount of mold that was present. I reported the problem to management many times but never received a response as to when it would be repaired. The ceiling fell completely down in one bathroom. Due to health issues I had to leave the apartment quickly and left some items behind. The debt collector and the owner of the apartment claims that I owe XXXX dollars to remove the items left in the apartment. The owner and collector will not show an itemization of where the figure comes from despite speaking with them many times. The apartment was unsafe to be inhabited and I left with a month left in the lease which would be a debt of {$650.00}. They simply will not demonstrate where the other bill of XXXX comes from. The collection agency is named " The Collection Bureau of Fort Walton ''. The original creditor is XXXX XXXX XXXX.
03/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 362XX	Web	Servicemember
I was contacted by XXXX XXXX XXXX about a debt that was previously deleted from my credit report, I stated to them that I gave the Department of Veterans Affairs, my permission, to speak with them. They gave the VA representative a hard time. The VA then sent me letters that coincide with the dates of service and the letters also state that I, the Veteran, is not responsible for the medical bills. The collection agency is also charging 2 identical amounts for services on the same days, in the amount of {$1400.00} and an amount of XXXX. I emailed the collection agency a copy of all letters that the VA directed me to give to the collection agency and they did receive them. I do not owe those amounts. The collection agency then put a negative statement on my report that, I still owe this amount, even though, they have no information on me. Please help get this deleted feom all 3 credit bureaus.
12/03/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 323XX	Web
I recently reviewed my credit report after being release from prison and found that I have been a victim of id theft. I have a collection from XXXX XXXX OF XXXX Original creditor : XXXX XXXX XXXX that is not my debt and I never was notified that I owed a debt. The negative collections are hindering my ability to acquire a place to live. Below is a copy of the collection. Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$1200.00} {$1200.00} Payment Info Original balance {$1200.00} Balance {$1200.00} Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements
09/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 381XX	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXXXX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... COLLBURFTWB ( Original Creditor : XX/XX/XXXXXXXX XXXX XXXX XXXX ... XX/XX/XXXX( Original Creditor : XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
12/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48227	Web
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
12/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48227	Web
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
09/07/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TN 37801	Web
I was covered for mental health emergency 's & visits through the government agency called " XXXX ''. XXXX XXXX XXXX at the time of services XX/XX/XXXX for {$940.00} & XX/XX/XXXX for {$1400.00}, didn't know about this coverage. Nor did they look into finding out. Then, when I received the bill, I called to dispute for this reason. Nobody would help. And they did not log my account, that I called. Then I was sent to a collection agency for these 2 bills. Then called the collection agency to dispute, and they said I would have to do so through XXXX XXXX XXXX. We finally gave up, because nobody would help us. Now we are trying to repair our credit report, and they are still refusing to help us and say that it is too late. Please help. I was covered, therefore I should not have been billed for these visits.
12/10/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32548	Web	Servicemember
I have recently been using XXXX XXXX to monitor my credit in an attempt to repair and increase my credit score, and have diligently been working on it. When I created my account, I found 2 derogatory marks on it from the Collection Bureau of Fort Walton Beach and have tried to use the XXXX XXXX website to file a complaint with XXXX but they keep telling me that my information does n't match theirs. At no time did I receive any type of correspondence from the Collection Bureau regarding either of these charges. One is for XXXX XXXX XXXX for XXXX and entered XX/XX/XXXX and I have not used that clinic or any of it 's services for at least 10 years. I have no idea what this charge is for or when. The other I will do a separate complaint for, is for XXXX XXXX XXXX, dated XX/XX/XXXX in the amount of XXXX.
08/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 381XX	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXXXXXX XXXX XXXX COLLBURFTWB ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
11/06/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32210	Web
My credit report is showing two debts in the amount of {$1500.00} & {$78.00}, with no account numbers reporting to my credit reports. I tried to validate these accounts years ago with no avail. I was never sent anything that validated that these debts belong to me. However, in the past, I was sent a release of medical records to validate such debt. I shouldn't have to release my medical records to allow a debt collector to validate a debt. That is very personal and inhumane. I would like for the company to validate such debts by showing legal documents, the original bill, my signature on such bill with amounts owed to validate such debts. All contact is to be made via this website. DO NOT CONTACT ME BY PHONE, MAIL, OR EMAIL. Please upload documents here with your response.
09/20/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32303	Web
I contacted Collection Bureau of Ft Walton Beach , Inc by phone at XXXX on XX/XX/XXXX to inquire about account number XXXX on a collection letter i received in the mail in the amount of {$42.00} from the creditor XXXX XXXX. I asked the representative to verify the debt because i have never been to an office with that name. She stated it was for my daughter XXXX XXXX, who is an adult. I asked her why was this put on my credit. I filed for bankruptcy in XX/XX/XXXX ( case # XXXX in XXXX FL district ) and my debt was discharged. She said they did n't get the account until XX/XX/XXXX. This account does not belong to me and I asked her to remove the account. She released the line in my ear. I called back and got VM. I left a VM with my case number and got no call back.
01/08/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 323XX	Web
With regards to Account # XXXX and XXXX, I observed that this company had been reporting fraudulent information to the credit bureau and was listed on my credit profile. This false information plummeted my credit score and I told them three times- this account does n't belong to me. I have even asked them to validate the debt to which they have refused to comply. I further asked for as copy of the contract that contractually obligates me to pay them a debt- I do n't owe. I know I have rights as a consumer according to the FCRA and the FDCPA to which they have already violated three times by reporting. This information can be litigated as a civil matter. However, I just want them to delete these account due to it being reported in error.
03/25/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NM 87120	Web	Servicemember
Collection Bureau of Ft. Walton Beach , INC sent me directly to collections for an XXXX bill dated XX/XX/XXXX. The amount is {$290.00}. This is the first I have heard of the bill as we were never sent any request for payment in 6 years. I was XXXX XXXX XXXX and hit by a drunk driver. My insurance should have covered all charges. Multiple letters have been sent by my parents, XX/XX/XXXX, being the date of the last letter sent. My mother has called twice and been hung up on. I have called 3 times and was sent straight to voicemail. I want to emphasize that this was 6 years ago and we were completely blindsided by this debt collector. We never received any bill from them. They instead, send us directly to collections 6 years later.
11/19/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MI 482XX	Web
I sent a medical collection debt validation letter requesting information about this alleged debt that is on my credit report. The letter was received by a representative of the company who's signed the return receipt on XX/XX/2020. I have not received a response but I have proof that my letter was received. By law on the Fair Credit Reporting Act, a collection agency must respond within 30 days. The collection agency has failed to respond but yet still is reporting the alleged debt on my credit report. The law states that the Collector must cease all collection activity when in violation of this law. It also states that they must remove the alleged debt for failure to validate it within the allotted Time by law.
10/17/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	KY 42240	Web	Servicemember
On XXXX I requested my credit report from the 3 bureaus and saw a medical bill listed as collection for XXXX. That bill was taken care of by the VA. They pay all my medical bills. Anyway I decide to write ( Collection Bureau of XXXX ) a letter of validation. I sent the letter off certify mail on the XXXX of XX/XX/2022. Collection Bureau of XXXX received the letter on the XXXX of XX/XX/2022, I have the signature card to proof it. As my letter stated they were given 30 day to sent me proof of validation. It past 30 days and I have not heard from them as of yet. And this is a clear violation of the Fair Debt Collection Practices Act. So I'm requesting the help of the CFPB in taking care of this matter.
10/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28208	Web
An unknown collection was added to my XXXX credit report. I called the debt holder " collection bureau of Fort Walton beach '' and requested verification of the debt. I was told that information would be shared with me. After several weeks of no response, I reached out again. I was told that the information would be shared with me. Again several weeks of waiting with no response. After a third attempt and threatening a law suit, a simple word document was sent to me with hardly any information on it. Simply my name, my birth date and a cost. Even with such little information provided, there were inaccuracies. Specifically my birthday. This is clearly not my debt and has been disputed with XXXX.
04/10/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 323XX	Web
On XX/XX/XXXX, I sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asking that pursuant to the FCRA & the FDCPA, they validiate this debt. According to the FAIR CREDIT REPORTING ACT Section 609 Disclosures to consumers ( a ) ( 1 ) ( A ), this company is required by Federal Law to verify through the PHYSICAL VERIFICATION of the ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT of any and all accounts you request to be posted and or reported on a credit report. They responded with the letter I have attached below which they are intentionally not complying and requiring notarization means undue hardship since one typically has to pay for a notary and that is a violation of FEDERAL law.
11/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 488XX	Web	Servicemember
I checked my XXXX credit report and on XX/XX/2020 a creditor reported. XXXX charge and I researched the company as I didn't know the creditor and I have never received services from this creditor. I checked BB and looked at the complaints and many were in the same boat as me with the same amount of XXXX. Please assist. The creditor information as follows : XXXX XXXX XXXX XXXX XXXX Other {$550.00} Status Date Reported XX/XX/2020 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX Account Type Not Reported Responsibility Individual Age Of Account 2 Years, 0 Months Credit Limit Not Reported Highest Balance {$550.00}
09/15/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33613	Web
Dear Sir or Madam, I noticed that I have had a medical debt back in XXXX. That time I was outside of country ( due to medical issues, I can provide proofs that I took a leave of absencefrom university ). I did not get any letter from the hospital. My ex-roommate did not not even get a letter from them. When I got back in XXXX, I moved to anothet house. I had no idea about any debt and i didn't get anything from collecter. I just saw the mark on my credit report, I called the hospital and collector and I paid for it last week. They said it would be removed from my report. But it's still on my record! It's affecting my credit score and my life. I've been always good with my credit history.
12/27/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 322XX	Web
Sent a letter to XXXX XXXX XXXX by email and BBB regarding a medical debt that is showing on my credit report. I requested that the company validate the debt ; instead, they sent me documents request that I provide them with information to request documentation for a medical debt they are trying to collect on me. I notified XXXX the rep that the debt did not belong to me and I requested that she provide me with information to validate this debt. No information has been provided. The medical debt needs to be removed from my credit report by the collection company mentioned and stop all collection attempts. I have uploaded the email that was sent to the manager at the collection company XXXX.
12/28/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TN 37912	Web
The Collection Bureau of XXXX XXXX sent me a purported debt regarding a medical bill. I requested verification and they sent me a medical bill with the XXXX redacted so I can not validate the debt. I demanded that it be resent to me with the XXXX visible so I could verify the debt and instead The Collection Bureau of XXXX XXXX/Collection Bureau Services contacted XXXX and XXXX verified the debt for me without my permission or sending me documentation so I could verify the debt. The debt remains on my credit report and both XXXX and the Collection Bureau of XXXX XXXX/Collection Bureau Services refuse to place it under disputed status. This is a gross violation of my rights under the FDCPA.
06/29/2020	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	GA 30120	Web
Went to the doctor several years ago. I was pretty sick with, need intervention at the time of arrival. Doctor 1 came in, said I had a XXXX and sent me on my way. Two days later I was no better, and went back to the medical center with same symptoms if not worse. Doctor 2 come in and says why didnt you come in sooner, you XXXX is basically XXXX. Two days would have been sooner enough. Doctor 2 Set me up for a round of XXXX and XXXX. Doctor 1 was the individual to administer treatment, and has the audacity to say looks like it got worse. Regardless of the situation, I was never contacted by the collections company in regards to the debt owed for what I would call malpractice.
06/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32404	Web	Older American
There were 2 reports of non-payment submitted to XXXX XXXX from XXXX, both submitted at same time ( same date ) in the amounts of {$170.00} & {$200.00}. I paid both amounts same time by sending check for {$370.00} to XXXX. On XX/XX/2018 the {$170.00} debt report was removed from XXXX XXXX but the {$200.00} debt remained as an open unpaid debt. I called both XXXX & XXXX XXXX several times & they both keep sending me back & forth blaming each other for the error of the report not getting removed. Please help me to get this {$200.00} debt from XXXX removed from XXXX XXXX which will make a difference from my credit score being " good '' to " excellent ". Thank you for your help.
01/28/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33647	Web
XXXX - checked my credit reported and noticed a debt that doesn't belong to me. XXXX - sent a debt validation letter to Collection Bureau of Ft. Walton Beach Inc regarding this debt that's reporting on my credit report XXXX - Collection Bureau of Ft Walton Beach Inc sent me a letter asking for medical release authorization. To my knowledge, a collection agency isn't supposed to have your medical records as well as I'm not obligated to provide medical release forms to the collection agency. Please help getting this debt removed from my credit report if the company can not provide me with viable information that this debt truly belongs to me.
04/18/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	KY 422XX	Web
On my credit report there are multiple duplicates, triplets, and quadruples, of different accounts. all the accounts are from XXXX XXXX XXXX XXXX, which all were reported to or sent to Collection Bureau of FT. Whom wants to set me up on a payment plan. I called XXXX yesterday and requested all of my bills from there, in which I was told that there were only seven. The Collection Bureau of FT has 19! Several of these accounts are multiplies and the Collection Bureau of FT are giving me the run around. I'm XXXX years old and attempting to fix my credit score in order to get my life on the right track.
04/15/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TN 379XX	Web
Everyday for weeks I have received a prerecorded phone call that says " This is a call from the Collection Bureau of Ft. Walton Beach, please return the call to XXXX for more information. '' I call it and it sounds like 3 different recordings put together saying 'you are caller number 1 in the que ', 'Mail box full ' without ever ringing, and 'Hours of operation are M-F XXXX if it is past normal business hours, please leave a message or hold on the line ' but after holding for several minutes each time it cuts off and hangs up. I have never been able to get a live person and I do not owe any debts.
10/04/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33411	Web	Servicemember
Good morning, I am a veteran and all my medical expenses are paid by the XXXX. A couple months ago, I noticed on XXXX XXXX there was a bill reported for not paying for XXXX dollars. When I called them I told them the XXXX was responsible for. Bills and they informed me that it was too late and that I had to pay this Bill. I paid it off on XX/XX/2020. But it still showing on my record. I contacted the collection agency and they told me that they already removed it/ reported it and they can not do more than that. Who should I contact to get this removed, I have the receipt stating that I paid it off
04/17/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL XXXXX	Web
On approximately XX/XX/XXXX I received a notice from the collection agency claiming I had a debt. Within the 30 days they had asked for ; I responded to the company asking for verification of the debt including with any information of signed forms or simple verification relating to the debt. They have never responded to my request in any fashion, I have never heard from them again. Since then they have placed derogatory information on my credit report three months later. Simply put I did as they asked and they never responded to my request, so therefore I am to assume they have no information.
10/11/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OH 452XX	Web
I sent a letter requesting debt validation in XXXX. Instead of validating the debt, they sent a list of my medical records which I know is a direct violation of XXXX regulations. This agency failed to validate my debt and violated my privacy rights as a result. I understand that debt XXXX are required to use minimal information necessary to identify individuals with information such as name, date of birth, address, social security number, name/address of the facility, etc. I never signed a XXXX form authorizing this debt collector to have access to this personal medical information.
03/01/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48314	Web
I received a notification early XX/XX/XXXX from XXXX XXXX that account has been placed in collections. This account is from XX/XX/XXXX no specified date I have no knowledge of this account no knowledge of this company and never received any services from this company. I took a look at the XXXX reviews for this company and it seems that multiple people have had the same issue for the same date in the same year. This is fraudulent it has had a negative impact on my credit. The name of this company is XXXX XXXX. Located XXXX XXXX XXXX XXXX XXXX Michigan XXXX.
03/01/2017	No	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	MS 38654	Web
After comparing a credit report pulled for a mortgage with my XXXX account I noticed that there are two different names reporting the same amount. So I then compared the account numbers are they also were the same. Finally, I check the Date of Last Activity ( DLA ) on my credit report and the dates are either not there or at least a year old and listed as reported or opened this year or last year. I believe that this agency and other agencies on my credit report are selling the alleged debts and changing the dates. XXXX has also reported this same debt.
12/10/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32548	Web	Servicemember
I recently created an account with XXXX XXXX in order to monitor my credit and improve my score. There were 2 derogatory marks, both from the Collection Bureau of Fort Walton Beach. At no time have I received any correspondence from them about these charges. I have now filed a separate complaint for each of these. I tried to file a complaint through XXXX XXXX, but XXXX tells me my information does n't match theirs, so l get no where. This charge is for XXXX XXXX XXXX in the amount of XXXX and was opened X/XX/17. I h save no idea who they are or when.
11/02/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48204	Web
XXXX XXXX is damaging my credit by saying i owe XXXX dollars which is not true i try to dispute it but they are not allowing me to do so i spoke to someone at the XXXX XXXX XX/XX/2020 who was very argumentative and pretended she was XX/XX/XXXX, assuming i was on the phone with XX/XX/XXXXthey never said they wasnt XX/XX/XXXX they gave me the worse attitude and i believe this company is fraud i cant afford another bill during this pandemic and this company made my credit go from XXXX To XXXX this is a big problem can someone help me
01/29/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 334XX	Web
I received an email stating that a debt collector called collection bureau of fwb has been placed on my credit report back in XX/XX/2013 for {$57.00} dollars. I disputed this many times stating I have no knowledge of this account, I never even heard of XXXX XXXX. I'm very upset that this has been placed on my account due to me not even knowing about this medical facility of whatever this maybe. I've tried contacting this place to notify them that I have no knowledge of this account and to remove this off of my credit report.
10/11/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 299XX	Web
On XX/XX/XXXX I send Collection Bureau of Fort Walton Beach Inc. XXXX XXXX XXXX XXXX XXXX, FL XXXX a letter asking for validation of a debt they claim I owe I asked for competent evidence bearing my signature showing that I have or ever had some contractual Obligation to pay them. I have also send other letters on XX/XX/XXXX and on XX/XX/XXXX asking for documentation bearing my signature they have yet to send me any documentation bearing my signature and continue to report this on my credit report without Evidence
02/15/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 34231	Web
I was a tenant ( XXXX XXXX XXXX ) with the original creditor for over 5 years. Left a forwarding address ( provided approximately 30 days prior to vacating premises ) for purposes of any incidentals. Never received any written notice of incidentals or amount due from XXXX XXXX XXXX and never received any written notice of money owed or notice of collection from " Collection Bureau of XXXX ''. Collection company ( and its employing creditor ) reported a debt that was never disclosed to alleged debtor.
10/01/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TN 377XX	Web
I'm working with XXXX XXXX they been tying to get in contact you. I've sent multiple letters on my behalf and have not been contacted by phone. The letters usually say return to sender and come back to me. These collections were already removed from all my credit reports all 3 credit buerous and you took over the collections. I do not owe that money I don't know why it's on my credit. Please remove them I've been trying to get in touch with u. Please reach out to me
04/19/2020	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 317XX	Web
I have submitted several disputes to the credit bureau XXXX XXXX and XXXX to investigate information on my credit report. They have repeatedly sent me template letters with no document verification of there results. I have also mailed the creditor and they refuse to do the same. Under the fair credit act it states all information should be reported accurately and I have the right to request supporting ( original and current ) documentation.
02/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL XXXXX	Web
On XX/XX/2018, I pulled my credit and noticed an account from Collection Bureau of Ft Walton Beach with a balance of {$42.00}. I assume this came from a medical bill since the original creditor was XXXX XXXX. I paid the balance due over the phone and was promised, calls are recorded, that the account will be removed/deleted from my credit report sinceI paid in full. It's more than 30 days later, and the account has still not been deleted.
01/12/2021	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
XX/XX/2020 An debt validation letter was sent to XXXX XXXX XXXX that is reporting a debt to the credit bureau. XXXX XXXX XXXX did not validate the debt but still violating the Fair Debt Collection Practices Act by reporting a debt that they saying I owe them and I dont and it's causing Extreme hardship in my life. In this complainant I will provide all the evidence to show that XXXX XXXX XXXX did not verify the debt they say I OWE THEM
04/03/2022	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33755	Web
Today in the mail we received two collection notices from the " Collections Bureau of Fort Walton Beach '' which claims we owed a debt of {$24.00} plus fees from a company I have never done business with " XXXX XXXX XXXX'. The notice looks like it is from a government agency of XXXX XXXX XXXX with the address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. The company in fact is a collection agency called XXXX? Please take a look.
05/06/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AR 719XX	Web
Collection Bureau of FWB XXXX XXXX XXXX. XXXX XXXX All three of these companies have threatened legal action against me for services rendered for medical treatment. These companies had said that they will ruin my credit rating by notifying all credit bureaus of amounts due. I am on Medicaid and a fixed income and not able to pay any amount over what Medicaid pays for my medical treatment of XXXX and other major health problems
12/16/2016	No	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 agency. 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 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.
08/29/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	KY 42240	Web
In XX/XX/2019, I sent a certified letter to the credit agency. In the certified letter i asked for the three collections that are medical bills and posing a negative impact on my credit to be validated by their company. This collection agency has had ample amount of time to respond in a timely manner and haven't do so yet. I received the certified part back signed but no information as far as paperwork of signed documents.
06/18/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 331XX	Web
Dear XXXX I am responding about a debt you are trying to collect in the amount of {$150.00} that appeared on my credit report which has grossly lowered my credit score. This debt is parking or re-aging, I have made a complaint about this debt already with ID # XXXX and debt was paid on XX/XX/2018 to the original creditor XXXX XXXX in the amount of {$150.00}. please removed this debt from my credit report immediately.
06/07/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 37066	Web
I AM BEING CHARGED FOR MEDICAL EXPENSES THAT WAS COVERED THROUGH XXXX . I HAVE CALLED AND TRIED TO RESOLVE THIS MATTER WITH THE COLLECTION AGENGY AND THEY CONTINUE TO REPORT THIS INACCURATE INFORMATION TO THE CREDIT BUREAUS. COLLECTION BUR FT WALTON CL AIMS THAT I OWE {$710.00} AND ALL OF MY MEDICAL EXPENSES WERE BEING COVERED BY XXXX . MY XXXX COVERAGE PERIOD WAS XX/XX/XXXX THRU- XX/XX/XXXX .
01/30/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32548	Web
XXXX XXXX XXXX had been sending fraud damages claim on tenant and not fixing it ... Collection Bureau of Fort Walton Beach keeping saying they are third party .They are not investigating the situation before ruining somebody credits..owner of this company know them for 30 years and they trust them..They been frauding for 30 years. One bedroom one bath they say I owe almost {$9000.00}
05/23/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 35160	Web
I checked my credit report and a collection company is listed as belonging to me. I have not received a dunning letter by certified by from this company. They are in violation according to the ftc because I have never signed a contract with this company and they are trying to falsely collect on a debt.. I have attached a debt validation letter and this company needs to respond to it.
05/02/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33435	Web
I am not aware of this debt owed. I just received a notice through XXXX an account was placed in collection. There isn't an account number listed so XXXX will not allow me to dispute the debt. How could an account just be placed from a 3rd party that does not include an account number, does not include of a full name of the agency and without any notice to me.?
12/05/2019	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 saw a medical bill from Credit Business Services for XXXX XXXX at {$370.00}. I did not receive any notification for any debt for medical services as an indigent individual. I was homeless with no physical address to receive any forwarded mail. I also let the hospital know I was an indigent vagrant and did not have any insurance or money.
03/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 323XX	Web
There are accounts on my credit report that dont belong to me. I need these accounts moved immediately. The accounts are as follow : 1 ) XXXX/XXXX : account # XXXX CHARGE-OFF 2 ) XXXX XXXX XXXX : account # XXXX COLLECTION 3 ) XXXX XXXX XXXX : account # XXXX COLLECTION 4 ) XXXX XXXX XXXX XXXX : account # XXXX COLLECTION 5 ) XXXX XXXX : account # XXXX
10/10/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL XXXXX	Web
I already filed a complaint with CFPB and they never sent me any documentation of the debt within the allotted time as they previously stated they would. I did dispute the debt with the company as instructed. They verified to have received my dispute and still did nothing to remove the debt from credit report.
03/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33404	Web
I have sent all 3 credit bureaus letters about these fraudulent accounts on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loans Its been over 60 days. XXXX requesting that these accounts to be removed immediately I have uploaded my Id and current address, social security card and FTC report.
12/14/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32304	Web
COLLECTION BUREAU OF Fort Walton Beach is attempting to collect a debt that was already paid. The company they are trying to collect the debt from has went out of business and the debt collectors are demanding proof of payment. How can I obtain proof of payment if the company does not exist anymore?
09/08/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 323XX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Collection Bureau Of FWB Has been sending me collection notices. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature..
03/24/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TN 37172	Web
This was an amount due for {$56.00} to XXXX XXXX XXXX. I had to get a physical done and in order to get that physical completed I had to pay this debt along with the amount due for the physical which totaled to roughly {$71.00}. I have a screenshot of this from my banking statements as well.
10/11/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AL 36117	Web	Servicemember
I have never heard of, done business with, nor have I been contacted by the collection agency regarding any debt. I have not received any notice of debt, notice of the right to dispute, any information to verify or validate this alleged debt, or any other correspondence from this company.
07/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 363XX	Web
Collection company keeps tagging my credit report as a skip when my address is correct and they know it is because I told them. I have gone through XXXX and they just won't stop. They keep doing it several times a week to damage my credit in an attempt to collect bills I have disputed
07/05/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	MI 48092	Web
They keep calling my number for various people and each time I tell them no wrong number and then they will call back again for someone else.. Every AFTER I TOLD THEM WRONG NUMBER.. last time I got 2 calls in the same day within 20 minutes of each other, for the same person!
04/10/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33647	Web
Received an letter from Collection Bureau of Ft. Walton Beach Inc ( collection agency ) asking to complete medical release form. To my knowledge, I think that's a HIPPA violation and the collection agency should not have access to my medical records.
03/23/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48126	Web
I keep receiving a negative remark on my credit report from Collection Bureau of FT. I have disputed this before. I am not responsible for the medical bill. I submitted my XXXX of MI insurance and they refuse to stop reporting to my credit reports.
06/24/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 324XX	Web
Collection Bureau Of F refused validation of the alleged debt claim I owe. I have requested proof that I am indeed the party you are asking to pay this debt and there is some contractual obligation which obligates me to pay this debt of {$2500.00}
02/29/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 323XX	Web
Checked credit and saw an account from collection bureau of ft Walton beach for XXXX XXXX in the amount of {$210.00}. I never received any correspondence about this debt. I was a homeless vagrant for a few years with no medical insurance.
12/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33594	Web
The XXXX XXXX is still reflecting on all XXXX credit reports. The debt was paid directly to original lender and not the collection agency. Therefore, the collection agency should remove from my report as the bill was paid.
02/24/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MS 38654	Web
Credit Bureau Services was unable to verify an alleged debt so it has been removed from my XXXX credit report. However, Credit Bureau Services has began to report the debt under Other Loans and has reported a late payment.
03/09/2019	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 77578	Web
I don't know anything about this debt, I've never heard of the original creditor XXXX XXXX I've tried to dispute the item on my credit report and I haven't heard anything back from XXXX XXXX nor Collection Bureau of FWB.
05/08/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AL 36265	Web	Servicemember
Calling every single day with a robot voice, never a human. Calls have been happening for over 3 months every week day, try to call the number provided and never get an answer, they only leave voicemails. XXXX
03/01/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 37013	Web
The collection agency refuses to provide me with my handwritten signature that this is my debt.According to the FCRA this unauthorized unverified account must be removed from my credit report immediately.
01/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AR XXXXX	Web
The Bureau collection item appeared on my XXXX XXXX credit report. I mailed a validation letter for the debt dispute. The debt collector failed to respond. I have no knowledge of the account.
04/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32539	Web	Servicemember
XXXX XXXX XXXX XXXX has failed to validate debt. From what I can determine they are trying to collect a co-payment that was already paid to the original agency.
07/30/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MI 482XX	Web
The collection agency is highly likely in violation of FDCPA ruling. Potentially re-aging an unvalidated account. Collection Bureau of Fort Walton Beach
06/13/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32303	Web
LOOKED ON MY CREDIT REPORT AND SEEN A COLLECTION FROM XXXX XXXX {$26.00} ... DATE ASSIGNED XX/XX/16 ... .THIS DEBT IS NOT MINES..I DID NOT AUTHORIZE THIS
03/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	AL 368XX	Web
I decided to check credit score and try and get loan or credit card. But instead found this out. I can't get card or loan cause of debt
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	TN 37804	Web
As I reviewed my credit report, I noticed that there is an inaccurate late payment information and its really hurting my credit score.
05/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32566	Web
Collection account for {$250.00} balance date XX/XX/2021 Account not mine possibly identity theft Will file identity theft report
03/14/2017	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	FL 32311	Web
This Collection Agency ( Collection Bureau of Fort Walton Beach ) is not reporting my payments to the credit bureau.
04/27/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32514	Web
I have not received any validation letter from the collection company. Via mail or electronically.
04/16/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48081	Web
Someone used my information for a 16minute emergency room visit to a place I've never been.
03/23/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TN 37172	Web
I did not get proper notification of the debt and I request this debt to be removed.
02/07/2024	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	FL 32401	Web

02/03/2024	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	FL 32401	Web

12/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32571	Web

07/11/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33472	Web

07/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32424	Web

02/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AE 09012	Web	Servicemember

01/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AE 09012	Web	Servicemember

01/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32404	Web

01/06/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TN 37144	Web	Servicemember

01/03/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 31602	Web

11/29/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 31602	Web

11/15/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33598	Web

11/12/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32310	Web

09/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TN 38583	Web

09/08/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32446	Postal mail

09/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32547	Web

09/02/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32456	Web

08/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 366XX	Web

08/22/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33472	Web

08/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 36301	Web	Servicemember

07/16/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TN 38583	Web

06/17/2022	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	FL 32224	Web

06/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48221	Web

05/20/2022	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	IN 46392	Web	Servicemember

05/18/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 46392	Web	Servicemember

04/28/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AL 36618	Web

04/26/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33309	Web

04/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33309	Web

04/08/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AL 36618	Web

02/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MS 38633	Web

01/30/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 28658	Web	Servicemember

12/27/2021	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 30326	Web

12/03/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32310	Web

11/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	IL 61275	Web	Servicemember

10/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	GA 30253	Web

10/22/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TX 75104	Web

10/17/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 32210	Web

10/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 38654	Web

10/11/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32351	Web

10/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 38632	Web

09/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76667	Web	Servicemember

09/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89103	Web

09/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89103	Web

09/03/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	KY 42240	Web	Servicemember

07/28/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TN 37144	Web	Servicemember

07/21/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TN 37074	Web

07/20/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30044	Web

06/24/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MS 38654	Web

06/11/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 31794	Web	Servicemember

06/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32117	Web

06/08/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 31794	Web	Servicemember

03/24/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48081	Web

03/15/2021	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	GA 31794	Web	Servicemember

02/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AL 35544	Web

01/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76132	Web

12/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28209	Web

10/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 38611	Web

10/12/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77494	Web

10/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48223	Web

09/30/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32413	Web

09/29/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TN 38558	Web

08/29/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30318	Web

07/30/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TN 37144	Web	Servicemember

07/22/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OK 73083	Web

07/12/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30019	Web

06/01/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32566	Web

04/30/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27409	Web

03/23/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MI 48507	Web

07/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48911	Web

04/18/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MS 38654	Web

02/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27517	Web	Servicemember

01/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28732	Web

01/13/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48221	Web

08/08/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32444	Web

05/15/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92822	Web

04/12/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32348	Web

02/10/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32548	Web	Servicemember

01/29/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33122	Web

01/23/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32439	Web

01/16/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AL 36571	Web

12/07/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32405	Web	Servicemember

11/30/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33428	Web

07/05/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	PA 17103	Web

05/14/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IN 46013	Web

05/09/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TN 37917	Phone

04/21/2017	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	FL 32456	Web

03/21/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11238	Referral

03/21/2017	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NY 11238	Referral

02/28/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	AL 36201	Web

02/12/2017	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 32547	Web

12/16/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32221	Web

11/16/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 32439	Web	Servicemember

11/02/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11238	Postal mail

05/16/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32459	Phone

03/22/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32303	Web

11/14/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 77573	Web

07/11/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32566	Web	Older American, Servicemember

07/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 13021	Phone

06/19/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32203	Web