COLLECTION SERVICES OF ATHENS, INC. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/13/2023	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30157	Web	Servicemember
I Did not contract to be liable for any payments with the following alleged account. I am not liable for this collection and ask for immediate removal from reoported credit report. Please remove. " I didnt not give permission for collection to post my personal information or discuss the matter with any parties without my permission. Date Reported : XX/XX/XXXX Collection Agency COLLECTION SERVICE OF ATHENS Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$720.00} Amount {$720.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact COLLECTION SERVICE OF ATHENS XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency COLLECTION SERVICE OF ATHENS Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$590.00} Amount {$590.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact COLLECTION SERVICE OF ATHENS XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX ( 1 ) In general. ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. ( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information- ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with- ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumer 's account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institution 's records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institution 's compliance with industry standards, and the institution 's attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection 1 a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. )
02/18/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30294	Web
Ive received a copy of my credit report and you are claiming I have an account with you or I owe you something. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with you. Also, because you are a XXXX party collector, you have no permission to furnish any information on my credit report in the first place. The law states that before you collect any information, about me, you have to get my authorization to access my credit report for any reason. You didnt do that first, and theres no way I would ever give a slimy collection company permission to slander me on my credit reports. Heres the law in case you never read it before. ( o ) Excluded communications. A communication is described in this subsection if it is a communication. ( 5 ) with respect to which. ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making thecommunication, not later than XXXX business days after the receipt of the consent by that person ; Now, I am also exercising my right under the FDCPA to dispute the alleged account and demand validation from you. Ill break it down very easy for you. But know this, should you fail to provide every single thing I request form you, and dont worry, the list will be short, sweet and to the point, you will be required to cease all collection activity immediately. Notify me in writing that you indeed are ceasing and deleting all information you have furnished to any and every one of my credit reports from every single credit repository to which youve submitted this unverified and un-validated information. This is request of PROOF OF CONTRACT to substantiate your claim. Therefore, youll need to provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specially Naming ( Collection Service of Athens ) as an entity entitled to enforce a commercial claim You do not conduct commerce ) against me. *Certified shall be done through the presence of a notary public, who authenticates and duly swears the copy made is in fact a copy of the original paper contract in question ( meaning the original contract from the original creditor would need be provide to the notary, and the notary would need to make the copy themselves ). You will also need to provide the following : 1. Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal credit report/file. 2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every XXXX party collection company to present. 3. Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. Your failure to respond and provide strict proof of contracts and all the items noted above, presented to me in certified format, sworn under Penalty and Perjury and Authenticated by a notary, will constitute your tactic agreement that you are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following:1. File a complaint with the Attorney General 2. File a complaint with the Better Business Bureau 3. File a complaint with the Consumer Financial Protection Bureau 4. File a complaint with the Federal Trade Commission 5. File a Police Report against your company for harassment, invasion or privacy and attempting to extort money. 6. File a Law Suit against you for harassment, fraud, extortion, and invasion or privacy.. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations
10/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30518	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Ga XXXX collection services of XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX : Collection account : XXXX ( {$310.00} ) To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that couldA be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Remove this account from my credit report, do not call me on the phone, only contact me by mail or via CFPB portal. Best Regards, XXXX XXXX.
11/18/2017	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77065	Web	Servicemember
On or about XX/XX/XXXX, I received a call from an unknown lady that stated she worked for Collection Services of Athens and that I owed two medical collections ( {$2100.00} & {$4000.00} ) that they are responsible to collect. I responded that my attorney XXXX XXXX will be issuing a payment, we had just closed the case. The unknown lady told me to not to worry about it and I should not do nothing else. On or about XX/XX/XXXX, I received a letter to collection to two medical debits. I responded with a letter stating " Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt to you and your company. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you, made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I also asked for them to provide the following below and to date I have not received any of the information. Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for Your business in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Instead they responded back providing a verification or proof of my mailing address, but not as I requested for VALIDATION of the said two separate debts and has continued to update the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ) every month or two that they have had contact with me and keeping the date current. Informing inaccurate or invalidated information to the credit-reporting agencies is not correct and derogatory, has continued to this date, has negatively impacted my credit report. The debt has been reduced with the settlement with my attorney and funds mailed to the various creditors ( see attached letter from attorney ). I feel that any negative references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
08/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30518	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Collections Services of Athens , Inc XXXX XXXX XXXX XXXX # A, XXXX, GA XXXX XXXX : Collection account : XXXX ( {$220.00} ) To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that couldA be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Remove these accounts from my credit report, do not call me on the phone, only contact me by mail or via CFPB portal. Best Regards, XXXX XXXX
08/31/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30045	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX CSA, INC XXXX. XXXX XXXX XXXX, GA XXXX RE : Collection account showing {$340.00} balances. To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Remove this account from my credit report, do not call me on the phone, only contact me by mail or via CFPB portal. Best Regards, XXXX XXXX.
11/17/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30542	Web	Servicemember
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX COLLECTION SERVICE OF ATHENS XXXX XX/XX/XXXXXXXX XXXX, XX/XX/XXXXXXXX ( XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus {XX/XX/XXXX or XX/XX/XXXX XXXX this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XX/XX/XXXX and XX/XX/XXXX XXXX request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX XXXX
04/27/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30045	Web
Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation o f 15 U.S.C. 1681 . You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. XXXX XXXX XXXX , XXXX Edition, XXXX , defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authentica te. '' 2 ) To co nfirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Con firmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following account be deleted immediately. XXXX XXXX XXXX XXXX of XXXX XXXX # : XXXX Account # : XXXX Balance : XXXX
10/13/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA XXXXX	Web
This company collection of Athens is a complete fraud on consumers violating our Civil rights act, consumer financial and federal credit protection! I DO NO OWE THIS XXXX XXXX XXXX. Has any one attempted to dial the phone numbers presented on this complainants in the past? I suggest that you do. Because this company has pulled and found illegally medical claims from innocent people who do not owe them as the bills where settled in the insurance transaction and or doctors office! And because coll of Athens has failed to do the right thing this is a major violation Of ones rights and consumer protection! Ruining someones credit and livelihood!! Dr at the XXXX ( XXXX ) XXXX even this automated systems if you have my real information shows no balance : : : : XXXX ( XXXX ) XXXX The Dr already contacted this bogus coll co and they failed to call him back, as he is the biller and says I dont owe a XXXX! Besides that he does not work with this ERRONEOUS CO TO BEGIN WITH HOW DID THEY GET MY CONFIDENTIAL RECORDS FROM XXXX to say that I owe and I fully do not as of XXXX. Coll of Athens refuse to corporate and update anything because their full of fraudulent activities! Receipt Dear Member, Thank you for your recent payment request. We want to confirm that you verbally authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX ET to initiate a one-time Credit Card charge to your account. Details regarding the transaction are below : Also the attached EOB SHOWS CLEAR OF PAYMENTS IF YOU CAN READ AN EOB AND CALL THE DOC NUMBER I GAVE YOU RO CLARIFY THIS ERRONEOUS MIX UP YOUR CLAIMING I OWE!!!!! Name : XXXX XXXX Customer Number : XXXX Confirmation Number : XXXX Scheduled Settlement Date : XXXX Total amounts paid : {$300.00} and {$260.00} ( Insurance paid in coinsurance/deductibles ) The payment will be completed on the Scheduled Settlement Date or shortly thereafter. If you have any questions or concerns, or if you require clarification regarding this email, please call the number on your ID card. Please do not respond to this email as there is no one monitoring this email address. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX See other medical terms : XXXX department XXXX
08/21/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33056	Web
Please read this message carefully. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXX, XXXX Re : Acct # Fraudulent Accounts reinserted without notifying me To Whom It May Concern : On XX/XX/XXXX I disputed an account reported by XXXX XXXX, XXXX XXXX, XXXX, XXXX, Collections Of Athens in the file you maintain under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered recently that the item has been reinserted on my credit report. XXXX XXXX posted several bogus account on my report to try and get some compensation thinking that I was ignorant enough to fall for it. This is by far disrespectful and misuse of my credit report, several laws we 're broken according to FCRA. I am consider filing charges along with filing a civil law suit at the court house in my county upon the response I receive in 5 days or less. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the BBB. Please govern yourself accordingly. XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
04/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78245	Web	Servicemember
I received a notice of a collection on my XXXX report on XX/XX/2021 which I immediately contacted the collection agency, COLLECTION SERVICE OF ATHENS for debt validation via phone. They were unable to locate any collection with my name, last 4 of SSN, address, or telephone number. They advised me to send a screenshot of the report that I was referring to which was sent on XX/XX/XXXX. I provided contact information such as my phone number, email, and home address which is what they used to update this account and did not respond to my email. Since no response was received, I filed a dispute online with XXXX and it was returned as verified on XX/XX/XXXX. Unsatisfied, I followed up on the email to CS Athens on XX/XX/XXXX requesting a response to my previous email. I still had not received a response and contacted CS Athens via phone once again. Suddenly they were able to find the account in question with my address because they updated it from the email I sent originally. XXXX at Compliance Department advised me that they are not allowed to contact me about this debt due to the state I reside and I will have to provide a signature requesting a fraud packet be mailed to me. After this conversation, I contacted the XXXX XXXX XXXX located in Georgia ( which I have no ties to ) in which the debt had originated. I spoke with XXXX in the billing department regarding this debt. They were unable to locate me as well due the spelling of my name not matching what they have on record for this account. They had a Georgia address on file with no SSN for this debt and advised me that there is a second account going to collections and they will put a hold on it while they investigate. She said someone will return my call within a week and if I dont hear back, to call them again. I have been back and forth with CS Athens, XXXX XXXX XXXX and XXXX all within the last month to have this matter resolved.
08/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30606	Web
I wrote a dispute letter, waited 30 days and no respond. Then I wrote a letter asking for validation and no response also I sent in two forms of ID as well as as proof of address. Letter that was sent : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ga XXXX COLLECTION SERVICE OF ATHENS XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities. I noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong, I'm just saying that Im not XXXX percent sure if they are. I also read the Fair Credit Reporting Act, which said that by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me I have never heard of which made me write to you all. I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back to me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. I also read where I can get the updated report after you investigate this. Could you please send it to me? Also, please let me know who had access to my files as well. I want the investigation outcome to be sent to the address I put on the form area. Thank you for your time and help in this matter. Sincerely, XXXX XXXX
03/04/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30253	Web
On or about XX/XX/2022, I was notified through a credit monitoring agency that an account was submitted as a collection account by CSA of XXXX in the amount of {$100.00}. I disputed this account as not belonging to me. Within a few days, I was notified the account was verified. In an attempt to narrow down how and who this account belonged to, I reached out the collection agency. I spoke with XXXX, A representative at CSA. XXXX of CSA advised the account belonged to my minor son. I requested a copy of documents indicating I signed as a guarantor, original creditor, and an itemized statement. The collection company advised they did not have the requested information except the name of the original creditor. CSA was unable to provide me any information for the original creditor except the name and amount. I asked to explain how they received my order to receive my information or my sons, the agency was unable to provide the information. I researched the original medical creditor on my own. I was then advised, not only did I not owe any bills for myself or my son, the medical creditor advised they never used this collection agency. I was advised medical accounts for myself and my were paid in full and never submitted to any collection agency. The XXXX bureau should not have been able to verify this account as belonging to me without violating HIPPA rights for both my son and myself. I spoke with an agent named XXXX, at XXXX on XX/XX/2022 to determine what methods XXXX used to verify the account belonged the account belonged to me. XXXX advised me that the methods used was simply calling the creditor to determine if the SSN and DOB were correct. XXXX advised XXXX doesnt request supporting information from creditors to verify accounts. XXXX advised if I wanted to dispute further, I would need to file a police report or file a complaint with FTCA.
04/11/2018	Yes	Debt collection Medical debt	Communication tactics Called before 8am or after 9pm	GA XXXXX	Web	Older American, Servicemember
This company is collecting a debt on behalf of XXXX XXXX XXXX XXXX. The date of service was XX/XX/XXXX at XXXX XXXX. The XXXX Associates fail to resubmit a medical claim to XXXX and XXXX for XXXX, which is both my insurance companies. The claim they originally submitted had the wrong social security numbers associated with the medical coverage. XXXX belong me to and XXXX for XXXX to my sponsor. We are both veterans. This CSA refuses to contact their client XXXX XXXX XXXX XXXX after I contacted XXXX about the errors in the submitted claim and rejected claim, and was told to tell XXXX XXXX XXXX XXXX to re-submit the claim even though it is very late. Under the circumstances of the wrong social security numbers used XXXX is only asking the medical provider to resubmit the claim for processing for payment. This CSA wants " money '', my money! I have 100 % health care coverage from the government and this CSA will not ask their client to resubmit, give me the client 's phone number or contact information. They are abrasive, rude and totally unprofessional with their service to a consumer. They told me that they could not verity my insurance with the government, and that was a total lie, the government never closes and I have had the same insurance for since my husband 's retirement in XX/XX/XXXX and I went on XXXX in XX/XX/XXXX, and nothing has change with my coverage. They just want cash money and I refuse to pay a collection agency that sent my name and this account to all three credit bureaus because they will not bill XXXX or XXXX for XXXX. They also refuse to send all three credit bureau a letter stating they falsely reported this debt. This is a violation of my consumer rights!
03/01/2018	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	GA 30047	Web
I canceled my services with XXXX XXXX is XXXX of XXXX. I was informed that I will receive a bill for the remainder of the month and to provide them with an address to send the final bill to. Once the bill was sent, I received an email from a worker at XXXX XXXX stating that the bill was returned and to provide another address to send the bill to. I didn't deem it necessary because I was and have always paid the bill online or by telephone. To my knowledge, my final bill was paid at the close of XXXX in XXXX. I believed this to be true because no one from XXXX XXXX reached out to me via email or telephone to inform me that my bill had an outstanding amount in the total of {$65.00} that was due. Months passed and I receive notification from XXXX XXXX informing me that I had a derogatory mark on my credit report issued from Collection Services of Athens on behalf of XXXX XXXX in XXXX of XXXX. Neith XXXX XXXX nor Collection Services of Athens informed me that my account was going to or currently in collections. I had a hard time giving proof that my bill was paid because the financial institution that was used to pay XXXX XXXX is out of state and when it came to getting statements delivered mail was mishandled and delivered. I decided to take a loss, and reach out to Collection Services of Athens and provide them with a 'Pay for Delete ' letter explaining that I would be willing to pay them the amount, {$65.00}, and in return, they will remove that derogatory remark from my credit report. Collection Services of Athens has not reached out to me since the letter was sent on XX/XX/XXXX.
11/14/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30577	Web	Older American, Servicemember
On XX/XX/XXXX I received a collection letter from Collection Services of Athens stating that I owed a past-due bill of {$360.00} from Athens XXXX XXXX for XXXX rendered on XX/XX/XXXX ( XXXX Account Number XXXX ). Upon calling Collection Services of Athens on XX/XX/XXXX to inquire about the nature of the bill, I was informed that I owed an additional {$780.00} for services rendered on XX/XX/XXXX to XXXX XXXX XXXX Athens ( XXXX Account Number XXXX ). I had not received any prior communication from any of these XXXX entities prior to this and it seems to me this is grossly unfair being as I'm on a fixed income. When I asked why nobody had contacted me prior to XX/XX/XXXX, they responded by saying letters were returned, phone calls not answered and they weren't in the habit of leaving voicemails. Although I did move from XXXX GA to XXXX GA in XXXX, I did put in an official change of address with XXXX. As far as the XXXX bill goes, I was at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX GA until XX/XX/XXXX. So there's no excuse other than their incompetence for me not receiving XXXX # XXXX. Insofar as bill XXXX goes no bill was sent to XXXX XXXX XXXX XXXX, GA. My phone number has been the same since XXXX, yet I have received no phone call from either of the XXXX entities. I'm not even sure what services I received or where the services were provided nor what medical insurance I was using in XXXX. In XXXX I was using a prior XXXXXXXX XXXX provider ( XXXX ) and I'm sure any right to appeal any lack of coverage has long since lapsed. Non-payment of these charges is not my fault!
01/11/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30605	Web
I applied for financial assistance at the XXXX XXXX hospital and I was approved for low income. It included the debt that this collection agency is trying to collect from me. Its obviously a fraudulent charge because it should appear at the XXXX XXXX hospital located in XXXX Georgia that I have low income and as a result I qualify for waiver of my medical bills at XXXX XXXX which are not a lot since my primary doctor is located at XXXX XXXX where I am currently attended for low income medical assistance. This credit collection is trying to collect a debt that doesnt longer exist. And is also threatening or suggesting to report me to the credit bureau which will damage my credit score for which I have worked hard and standing all day to be able to have a fair credit score and qualify for a better job because I had a job in a better field but I lost it due to a previous illness. They also mention are threatening me with legal action by mentioning a judgment. I tried to contact them today but there is no response which thats the tactic this collecting agencies use to just create more stress and waste of time to people who are busy and we dont get to have many days off. See attached letter for debt collection and proof that I am patient of mercy clinic which is low income non profit clinic which XXXX XXXX hospital took into consideration to approve my medical request for fee waiver.
10/17/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	GA 30047	Web
on XXXX XXXX I find out thatCollection Services Of AthensXXXX XXXX XXXX, GA XXXXhad place a new collection on my credit report immediately I sent them a letter Disputing this Alleged Debt they received my letter on XXXX XXXX 2015 in this letter I informed the that I was disputing this information under USC 1692g Sec. 809 ( b ) in this letter I requested A copy of my doctors order for services performed by alleged Creditorprovide Alleged Creditor Name, Address, Phone Number and Full account Number with alleged creditor and a complete Itemized Bill as require by federal law any medical facility to provide itemized invoices upon request. they Responded to my request for verification on XXXX XXXX 2015 the did not provided any of the proof requested instead they sent me a letter saying that they had contacted their client and that their client had confirmed that the Name and Address on the Account was CorrectThe Courts have Ruled that knowing Some ones Name And Address is Not Enough to Validate an Account. I sent them a second letter on XXXX 2015 giving the a second opportunity to validate this account by providing me with the requested information. A copy of my doctors order for services performed by alleged Creditorprovide Alleged Creditor Name, Address, Phone Number and Full account Number with alleged creditor and a complete Itemized Bill.
03/27/2017	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	GA 30045	Web
After viewing a copy of my credit report, I noticed two collection accounts placed on my credit report from XX/XX/2015 and XX/XX/2015. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. I had previously requested the following 3 from your collections services of XXXX which has never happened. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency and according to my credit report from all 3 credit bureau agencies, you have already violated my rights.
10/03/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 302XX	Web
On XX/XX/XXXX, I was admitted to XXXX XXXX Hospital. After I was discharged, I completed the Financial Assistance Application. After reviewing the information, the hospital determined that I qualify for 100 % financial assistance for the time period beginning XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX, XX/XX/XXXX. A representative from the hospital 's Customer Solutions Center instructed me to fax or email the award letter to any physician that sends me a bill and it should be honored. That includes XXXX, XXXX, XXXX, Emergency Room Physicians, XXXX XXXX, and my private physician. All account balances were adjusted to a XXXX balance except XXXX XXXX XXXX. I've contacted the company multiple times and they refuse to act in good faith by honoring the award letter. I tried contacting them again this year but the phone number is no longer in service. On XX/XX/XXXX, I requested a copy of my credit report from XXXX and discovered that Collection Service of Athens is reporting an amount owed {$290.00} with a balance date of XX/XX/XXXX. I sent XXXX a certified letter including supporting documents disputing the amount of the debt XX/XX/XXXX, however, the credit reporting agency never responded. There's a comment on my credit file that states " Consumer disputes this account information Medical ''
11/04/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30043	Web	Servicemember
I was XXXX XXXX XXXX XXXX XXXX XXXX, went to the hospital, gave all of my health insurance info to several employees, I'm insured with Veterans Administration. I received a letter in some time later ( not sure of date maybe in XXXX sometime ) saying bill had not been paid, I ignored it thinking VA just is slow in processing payment. I received a collections letter from Collection Services of Athens in XXXX, phoned Collection Co. XXXX and spoke with XXXX, advising I have VA insurance and gave that to everyone at time of service. I advised my last name has a " XXXX '' listed and due to them not correctly submitting form that may be why VA hasn't paid. They resubmitted, VA denied payment because over 6 months had passed and VA, in denial letter, advised " patient is not responsible ''. Collection company continue to call me, I advised I have insurance that covers this, had they filed properly and timely this would have been paid. All of the other providers were paid and they would have been too IF they filed properly. They didn't and now they want me to pay something that I never would have owed had they filed proper paperwork. They have also put this on my credit which negatively impacts me for their mistake.
04/16/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 306XX	Web	Servicemember
My physician contracted with a XXXX party to provide medical services for their clients. The physician outsourced services on my behalf without my consent or knowledge and failed to pay for these services. The XXXX party billed me. I disputed this bill with the XXXX party and they failed to respond. Instead, they outsourced their bill to a collection agency. I disputed this bill with the collection agency at that time and that they validate the bill and I received no response. Five years later, another collection agency reported the bill to the credit bureau in 2015 without contacting me. I disputed this bill through XXXX who closed the dispute after two weeks when the new collection agency simply stated that is was my debt without any validation, nor XXXX ask for any. I am filing this complaint and asking XXXX to re-open a dispute and handle it appropriately and in accordance with the law. I am also re-disputing this debt with the new collection agency in writing again. As I understand the new rules medical debts can not be reported for 180 days while they are being investigated. I am very concerned that instead of dealing with the matter, this agency will drop it and it will show up with another agency.
07/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 64138	Web
I sent this letter to Collection Service O and 40 days later I never received a response. This account is not mine, this is a fraudulent charge on my account that needs to be removes. I disputed this with XXXX XXXX 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. 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. XX/XX/2022 Collection Service OF Athens XXXX XXXX XXXX XXXX GA XXXX To whom this may concern Your company said I allegedly owe you money I will PAY under one condition if you can provide. 1. Validation of the debt-that is, the actual accounting. 2. Verification of a signed Invoice. 3. A copy of the contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. Kind Regards XXXX XXXX
12/04/2017	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 31024	Web
On XXXX XXXX, XXXX I took my daughter XXXX XXXX to XXXX XXXX XXXX XXXX XXXX. She received care in the emergency department. I received a bill from the hospital concerning physician services, but never the emergency services. The balance for the physician was paid in full as of XXXX XXXX based on the balance that was mailed out. I received an " overpaid '' check in the mail stating that I had over paid on the account. As of XXXX XXXX, XXXX I received a report on my credit in the amount of {$650.00}. I called the collection agency number only to be told my daughter 's insurance was never filed back in XXXX. I was then told that the physicians and emergency departments are billed separately and that the hospital would be the one to send over the insurance information to the emergency department that never was sent. I asked why was n't I informed of this and was told that the letter that was mailed out was returned back to sender. I asked them how was that my fault and was told that once the letter was returned back to them that they had to report it.
01/11/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30291	Web
I was referred to collections for a office visit and never informed by the physician about the bill. It could have been resolved years ago. I had a XXXX XXXX account that had the funds to pay for any office visit but XXXX XXXX XXXX office never presented the bill for payment. I contacted the XXXX XXXX and requested the payment of remaining funds to be made to XXXX XXXX XXXX and I also notified XXXX XXXX XXXX XXXX and provided them with proof of the payment. XXXX and the XXXX XXXX XXXX XXXX is still reporting this informaiton erroneously and refuse to remove it from my credit report. I was never notified about the debt prior to it being reported to my credit report as a collection account and now I am being penalized for an account that I had no knowledge of from the beginning. I paid both accounts and I need for them to be removed from my credit report and updated as paid. XXXX was paid to XXXX on XX/XX/XXXX ( cleared by XXXX ) XXXX was paid to XXXX XXXX XXXX on XX/XX/XXXX ( virtual card payment has cleared on XX/XX/XXXX ) ..
02/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30519	Web
A collection agency is attempting to collect a debt that belongs to my ex-husband. It involves XXXX XXXX. The debt has been reported on my credit reports. My name was NEVER on the account. When I was married, I could not call and discuss the power bill because I was not on the account. I have repeatedly tried to convey this to Collection Services of Athens. When I asked for proof, the collection agency simply sent me a MEMO with my name, the name of my ex-husband, the address, dates of service and the amount owed. When I disputed that document, as it was unacceptable, they sent a photocopy on XXXX XXXX letterhead with the same memo copied onto it. Again, that is unacceptable and, in my opinion, fraud. This collection is operating in a manner that hurts innocent consumers. They evidently did not ask XXXX XXXX for proof of the debt. XXXX XXXX is also responsible, as they illegally reported the debt in my name. Please help me in clearing up this matter. Thank you.
06/02/2017	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA XXXXX	Web
The collection age ncy Collection Services of Athens failed to validate this debt. A bill statement does not obligate me to pay nor does it validate debt. The y did not produce the documents establishing liability to them. In US la w encyclopedia, XXXX XXXX , XXXX XXXX XXXX XXXX . Sections XXXX ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. I submitted a debt validation letter to Collection Services of Athens b ack on XXXX and I received a bill which does not equal validation. I have disputed this with XXXX and they stated that the debt has been verified which is inaccurate and inval id. Co llection Services of Athens h as not properly validated the debt within the 30 day time frame and are continuing to reporting invalid and inaccurate information on XXXX .
05/14/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA XXXXX	Web
Collections of Athens severely and still calling and reporting on my credit file from when I had old XXXX XXXX in XX/XX/XXXX/XX/XX/XXXX with no account number attached on file nor did they have my ID info for proof when I check with their manger! Yet I have signed up with XXXX XXXX XXXX who have sent coll of Athens countless letters to seize and remove the incorrect information on my credit file with all 3 bureaus and they have ignored it and ignored all my calls and messages thereafter and ignored proof sent to them via email! # XXXX EVEN MY DOC FROM THE XXXX XXXX ( XXXX ) XXXX here! CALLED THEM LEFT A MAG SAYING I OWE NOTHING. ins paid up!! XXXX! XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX % XXXX % XXXX
05/22/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30016	Web
Collections Services of Athens , Inc. has refused to validate the debt that they have stated that I owe. I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was ... established without my knowledge and I have no contractual agreement with Collections Services of Athens , Inc. The lack of validation of any debt owed to them is in violation of 15 USC 1692 Sec.809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Collections Services of Athens , Inc has also called me on XX/XX/XXXX threatening to take legal action, I have filed a complaint with Georgia Attorney General, ... Furthermore, Collections Services of Athens , Inc. is practicing UNJUST ENRICHMENT.
08/23/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web
The aforementioned credit agency representing XXXX XXXX XXXX has violated the FCRA and HIPAA by not providing documents to me in regards to this debt I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files : XXXX, XXXX, and XXXX. The business is required to disclose to me all the documents that they have recorded and retained in their files that pertain to this debt. I have not sign or even authorized anything to the company. If Collection Service of XXXX does not have any documentation, they need to remove this from my credit file immediately. This debit collector has yet to provide a signed document with myself and them in any agreement and i would like it removed
03/13/2017	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	GA 30045	Web
I have never received any letter from them stating that I have a medial debt. They have never called me. They have never emailed me. My doctor 's office has never called me regarding a bill not being paid. I absolutely Do NOT have a contract with Collection Service of Athens. I have asked for verification of contract and I have not received any response at all. I am disputing this debt to the fullest extent of the law. They have also added it in my credit report and are causing all XXXX of my credit reports to go down significantly. Last Reported XX/XX/XXXX Collection Agency COLLECTION SERVICE OF ATHENS Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. Balance {$270.00} High Balance {$270.00} Remarks Medical
03/14/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19007	Web
Collection services of Athens has faailed to live up to section 809 of the FDCPA. I sent a certified letter in the mail to Collection Services of Athens. This letter was a validation of debt letter that was sent out on XX/XX/2018 and the company recieved the letter on XX/XX/2018. Tracking number XXXX confirms that the letter has been in the posession of Collection Services of Athens for more than 30 days with no response which is a direct violation of the FDCPA section 809 Vaidation of Debt. Since the company has failed to respond I am demanding that this item be deleted from my credit report and a letter on Collection Services of AThens comapny letterhead is sent to me conforming the deletion and also contact all three of the major credit bureaus of this deletion request at once.
09/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA XXXXX	Web
XXXX reporting late fees when their phone and website refuse to allow me to pay! I had set up auto drafts and they never set it up appropriately! Should be removed XXXX XXXX XXXXXXXX appears to be a false flood of old information 4 yrs ago no one has ever heard of them! My old doc in XXXXXXXX never worked with them XXXX XXXX XXXX XXXX XXXX No record all paid up doc number directly XXXX XXXX XXXX XXXX called me to say he dont use them and I dont owe! Yet Ive disputed this and called collection of XXXX Numerous times XXXX. Look up their phone This lawyer said he would help and send a letter but he is just as much as any of no good XXXX XXXX XXXX Please get the two charges off my credit file ASAP {$250.00} and other fee account shown separately never owed insurance paid out XXXX!
11/26/2017	No	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	GA XXXXX	Web	Servicemember
I previously filed complaints with the Better Business Bureau that the company failed to respond to this year. I previously filed a complaint with the Consumer Financial Protection Bureau in XX/XX/XXXX of this year in which the company alleges that they validated the debt via mail without providing any proof. More than likely if they sent any vailidation as they alledge it was sent to an incorrect address. The company has since changed the date of last activity and date reported to this listing as XX/XX/XXXX which is a violation of the FCRA. Per their own statement in my last complaint they first reported this in XX/XX/XXXX but this is not what is currently reflected on their listing on my XXXX Credit Report. I am XXXX and I feel this company is trying to take advantage.
05/12/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30252	Web
Tried to resolve this in 2015 . XXXX company charged amounts that were not allowed by my insurance. Sent them to collections, when collections called I sent them XXXX XXXX and wrote a letter explaining that the amount charged was not what I owed. Made payments for what I owed. Mailed them a letter, mailed radiology company a letter with copies of XXXX . They made an adjustment but the wrong amount, called back and spoke to XXXX company told they would handle. Told collection agency. Had insurance company call XXXX company and had them call the collection agency. Collection agency still refuses to do anything until XXXX company says so but still reports incorrect information on my credit. Has been for 2 years.
06/25/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30297	Web
Collection Services of Athens keeps stating they are not collecting on behalf XXXX XXXX XXXX and XXXX XXXX XXXX XXXX yet theyre still on my credit file, they are still in violation of the FCRA by not providing me documents to me in regards to this debt and my HIPAA rights because I do not recall giving permission to even release my medical information to them. This account is unverified and immediately needs to be deleted from all my credit files : XXXX XXXX XXXX XXXX The business is to disclose to me ALL signed documents they have recorded and retained in their files that pertain to this debt. If Collection Services of Athens does not have any documentation, they need to retract this from my credit file immediately
11/04/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA XXXXX	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
06/01/2017	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30297	Web
The aforementioned credit agency representing XXXX XXXX XXXX has violated the FCRA and HIPAA by not providing documents to me in regards to this debt I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files : XXXX XXXX XXXX XXXX . The business is required to disclose to me all the documents that they have recorded and retained in their files that pertain to this debt. I have not sign or even authorized anything to the compa ny. If Collection Service of Athens does not have any documentation, they need to remove this from my credit file immediately.
09/03/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30188	Web
I have attempted to validate this debt directly through the collection agency. CSA has been granted more than 30 days to validate the debt and has not fulfilled there obligation. I have attached the validation request : Please assist with removing items from credit report per FDCPA. XXXX has not conducted a reasonable investigation COLLECTION SERVICE OF ATHENS Account Number # # # # # # XXXX - {$49.00} COLLECTION SERVICE OF ATHENS Account Number # # # # # # XXXX - {$430.00} Validation Delivered on : Your item was delivered at XXXX XXXX on XX/XX/2020 in XXXX, GA XXXX. The item was signed for A M. CSA Inc. XXXX XXXX XXXX XXXX # A XXXX, GA XXXX USPS # Tracking XXXX /Priority Mail
06/07/2017	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30341	Web
In XXXX 2012 I was involved in a car accident. XXXX ( XXXX XXXX XXXX ) a dvised that they offered a free consultation to accident victims. I went by the office and spoke with the receptionist but never returned to have treatment started. After several years, I noticed a charge of {$320.00} on my credit report from Collection Services of Athens. I co ntacted the company several times and told them I never received services and asked for a breakdown of the services I allegedly received and they have never produced that information. The XXXX center is no longer open and I am unable to get any assistance. I should not be charged for services I did not receive.
09/05/2017	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 305XX	Web
I have wrote CSA about a debt that I was seen on my credit profile. I finally reached out to the company and asked them to validate/verify this debt. They have yet to verify it. They are in violation of my consumer rights. I have asked them to send me copies of any signed document stating that I have made any kind of agreement with this company ( CSA ) stating that I agree to pay CSA. They have not sent me a contract or binding agreement that shows my original signature and they are required to do according to FCRA. Not to mention this is addressed at an address that I DO NOT reside at and never have and not to mention they have a contact number that has never been assigned to me.
09/01/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA XXXXX	Web
Collection Services of Athens, who I never had a contract with or gave permission to trespass on my estate damaged my credit by trying to have me pay them for an alleged debt owed to XXXX XXXX. To stay in honor and understanding that I'm the true creditor I sent the presentment with an negotiable instrument and affidavit to satisfy the claim with a postal money order by register mail. Collection Services of Athens have received the package and have not responded but yet continues to damage my credit. I'm lead to believe Collection Services of Athens feels they can just hold the mailing and not respond or correct the record ( i.e my credit report ) to make me whole.
08/29/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30281	Web
All of the following phone and address are incorrect. I have a son with same and when he uses my address they attempt to associate his phone numbers with me. Please removed the addresses listed below. I have updated my licensee to say XXXX, to avoid further mix-ups. XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX Telephone Numbers Reported : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
07/01/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	GA 306XX	Web
I have asked Collection Svc Of Athens to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
07/01/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	GA 306XX	Web
I have asked Collection Svc Of Athens to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
10/12/2023	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 306XX	Web
Collection Agency COLLECTION SERVICE OF ATHENS Original Creditor Name ATHENS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debt paid and sold to collections I do not have a agreement with them nor owe the new collection which is the wrong amount and have already started garnishment on my wages taking over {$400.00} out a week.
06/17/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30297	Web
The aforementioned credit agency representing XXXX XXXX XXXX has violated the FCRA by not providing me documents to me in regards to this debt and my XXXX rights because I do not recall giving permission to even release my medical information to them. This account is unverified and immediately needs to be deleted from all my credit files : XXXX XXXX, and XXXX. The business is to disclose to me ALL signed documents they have recorded and retained in their files that pertain to this debt. If XXXX XXXX XXXX does not have any documentation, they need to retract this from my credit file immediately
09/27/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NC 28110	Web
There is an item placed on my credit report by Collection Services of XXXX collecting for the original creditor : XXXX XXXX the alleged balance is {$210.00}. I am not aware of this account, I have no knowledge of it. I never received a notice from this company, written or otherwise in regards to this debt, they just placed it on my credit reports without my knowledge, nor was I given the opportunity to dispute this alleged debt pursuant to the Fair Credit Reporting Act, the Fair Debt Collections Practices Act and the Fair Credit Billing Act. I was denied my legal rights by federal law.
10/26/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	GA 30519	Web
Please be advised I have request " validation '' { not verification } of an items reported to the credit bureaus by XXXX. I have received a response that clearly violates my rights according to HIPAA. Collection Services of Athens INC, did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATIONS of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law.
05/06/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30047	Web
Collection Service of Athens is reporting Unvalidated Debt to XXXX Credit Bureau. I have filed previous disputes with XXXX as they are the only credit bureau reporting this collection. I have never received any written validation of debt or any correspondence from Collection Service of Athens. I have disputed this debt directly with XXXX but they alleged that they validated and updated the listing. The listing has been removed from all credit bureaus except XXXX . On XXXX XXXX , XXXX I filed a XXXX XXXX XXXX Complaint that they have not responded to.
02/15/2017	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	GA 30605	Web
First, I never received a bill from XXXX. I received and paid both XXXX Hospital bills but this other organization never contacted me. In fact, I was not aware of any charges until they appeared on my credit report. After SEVERAL attempts over nearly XXXX years to correct the amount charged by sending an XXXX, still no change has been made. My XXXX shows the amount to be paid should be {$260.00} but the amount from collections is over {$900.00}. The smaller claim has been corrected from {$400.00} to {$86.00} but I am not willing to pay this company until all charges are correct.
09/17/2023	No	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	GA 30157	Web
On XX/XX/2023 I sent a letter in accordance to 1692g of the FDCPA requesting Debt Validation to this company Collection Company Of Athens Reporting to my consumer report, as of XXXX this company has failed to respond to my letter with proper validation of the alleged debt but continues to report to my consumer report. Not only is this illegal but this is a form of extortion. And this sheds a negative light on my creditworthiness, credit standing, credit capacity, character, and general reputation. Here is the tracking info to prove that this letter was sent XXXX.
03/02/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30096	Web
That by law since the account was purchased from the original creditor, the XXXX paid your debt. Thus making the original terms, conditions and legal obligation to pay the alleged debt void. Since the alleged debt was paid off to the original creditor that under certain sections of FDCPA, paying the debt without an agreement with XXXX to pay the debt, voids any claim. Under the FCRA and FDCPA, provides that adequate validation be provided. They did not provide adequate validation that the account is in deed yours and that you owe this debt.
06/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30252	Web
The Company Collection Services of Athens GA has an account on my credit report that doesn't belong to me. I have disputed it. It was removed and then it looks like it was reported again. This account does not belong to me and it needs to be blocked. I have provided police reports and more. I need this removed asap. Also, any information provided is not to be used to try to collect an erroneous debt from me. Do not send me anything in the mail or call my telephone number as this debt is not mine. Please remove asap. Thank you.
09/08/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 306XX	Web
I have not received any information regarding this claim that I owe a debt since the first delinquency date to my knowledge. I have no written form of communication with this party nor do I know where this debt originated. Date Assigned XX/XX/XXXX Original Amount Owed {$510.00} Status Date XX/XX/XXXX Balance Date XX/XX/XXXX Last Payment Date ( this is BLANK ) Date of First Delinquency XX/XX/XXXX Contact ( This is the company that is listed on my credit report ) COLLECTION SERVICE OF ATHENS XXXX XXXX XXXX XXXX GA XXXX XXXX
04/03/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web
Collection Services of Athens , Inc . XXXX XXXX XXXX XXXX, Georgia XXXX Local : ( XXXX ) XXXX Toll free : ( XXXX ) XXXX Fax : ( XXXX ) XXXX This company has placed their name on my credit report XXXX and won't remove it Two separate acts I don't owe the dr called me from XXXX XXXX AT XXXX stating my acct was paid in full I had insurance XX/XX/XXXX/XX/XX/XXXX But maybe due to XXXX breaches someone has placed this collection on my report Dr says he don't use coll of Athens anyways! Please forward to state attorney!
08/18/2017	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30236	Web
I have filed numerous reports with the bureaus, I filed a police report, I have disputed the accounts being reported as collections by Services of Athens. When XXXX investigated the accounts, with total disregard of the theft reported ; Service of Athens continuously verified the debts with the bureau, erroneously claiming they are mine. This has gone on for over a year. They have had substantial time to correct the matter and refuse to do so. account number XXXX for {$24000.00} and account number XXXX for {$42000.00}
12/16/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30605	Web
Yesterday I submitted a complaint about this company because of a bill that was sent to collections by XXXX XXXX XXXX XXXX. Today that I managed to contact CSA Inc, they reported sending bills to my WRONG address, and that they called me. However, I never received any calls from them, and they also sent bills to a wrong address, or perhaps never sent it because I had mail forwarding. Now they say that even though I paid my debt, the derogatory mark will not be taken off my credit report.
08/08/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	VA 23061	Web	Servicemember
I disputed the debt, the company sent a letter and a document that does not show what was paid by insurance and copay. The " bill '' of {$190.00} just states that I owe {$32.00} but does not break down which portion was covered by insurance or paid with patient copay. No further information was provided by the organization on the actual breakdown of charges and payments so I can see if there is an actual deficit in payment by the insurance because my portion was paid.
01/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30601	Web
This is a formal complaint that you are reporting inaccurate and incomplete credit information. I demand that the following account be removed immediately : XXXX XXXX XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX This collector or creditor did not provide HIPAA release to be able to collect on this debt. I am proceeding with legal action, should this item not be deleted within the required time by law.
02/27/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	GA 305XX	Web
I was XXXX XXXX XXXX requiring XXXX back in XXXX XXXX , and I was brought to the XXXX XXXX XXXX Hospital where I received the XXXX . The de bt attempting to be collected by thi s Collection Agency in Athens was alread paid for immm ediately at the time of the incident through workers compensation at XXXX XXXX XXXX in XXXX XXXX , Georgia. I do not believe I owe a debt that has been on my account for several years now.
10/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30253	Web
In or about XX/XX/2020, I disputed Collection Services of Athens ' entry that was on my credit report. The credit reporting agencies completed their investigation, but did not remove the entry. In or about XX/XX/2020, I mailed a certified letter to Collection Services of Athens requesting debt validation. They did not respond within 30 days per The Fair Debt Collection Practices Act, but they continue to report this debt on my credit report.
07/24/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30549	Web
Collection was posted to my XXXX report XX/XX/17. Have provided fraude report to collection agency as well XXXX georgia XXXX XXXX XXXX..collections were removed for several months then placed again. collection agency nor provider have supporting documents or information except what has been obtained in the process of disputing this debt previously ..no signed documents nor photo identification ... is not my debt
09/06/2019	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	GA 30044	Web
This collection appeared on my credit report and it does not belong to me. I have not received any bill or notification.verification of this debt therefore I need it removed from my report. COLLECTION SERVICE OF ATHENS Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/2019 Original Amount Owed {$49.00} Amount COLLECTION SERVICE OF ATHENS XXXX XXXX XXXX XXXX ( XXXX ) XXXX
10/06/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	KS 662XX	Web
I have gotten repeated calls from a third party debt collection company based out of XXXX GA - I have contacted them twice to tell them to stop calling as I carry XXXX debt. They say they can't bring up my number so they must not be contacting me. My Caller ID says otherwise. Repeated calls. No messages. Caller ID shows XXXX. The latest hang up was XX/XX/XXXX at XXXX XXXX.
07/28/2017	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30012	Web	Servicemember
At the time this debt was incurred, I was on XXXX and also State of Georgia XXXX Medicaid. The original creditor must not have filed a claim with Medicaid for payment. A medicaid patient is NOT liable to pay out of pocket, can not be billed balances, and can not be turned over to collections or held responsible for balances. My Medicaid number at the time was XXXX.
07/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 19149	Web
XXXX XXXX is reporting as a collection account with a balance, however this account has been paid in full. Attached is the payment receipt for the adjusted amount reporting on my credit report. It was paid the collection financial firm that it was directed to. I am requesting immediate permanent deletion from my credit report without prejudice.
06/13/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	GA 30165	Web
Collection services of Athens is attempting to collect a debt from me and I never established a contract with this company. Furthermore collection services of Athens is currently reporting negative information onto my XXXX credit report indicating that I owe XXXX amount of XXXX and a additional amount for XXXX dollars.
10/21/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30281	Web
I was unaware of this bill from 2015 until my a credit report was done. I had to contact XXXX to get the name of the debt collection agency and what it was from. I contacted the company and paid the bill in full. They advised me that it would be removed from my credit file. My paid in full confirmation number is XXXX.
10/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30078	Web
Collection Service of Athens reported collections on my credit report. This debt was paid to the medical provider and should not have been sent to collections. I never received notice that the medical bill was going to be sent to a collections agency. I am requesting this be removed from my credit report.
07/19/2017	No	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	GA 30349	Web
Collection service of Athens {$690.00} XXXX XXXX XXXX for {$300.00} for {$94.00} for {$120.00} for {$66.00} and for {$120.00} which was all paid by my insurance company so I do n't owe any collection agency anything. Plus I do n't I never signed a contract with collections of Athens or XXXX agency
08/09/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30165	Web	Servicemember
This company has attempted to collect a debt from me that I do n't owe them. I never established a contract with this company and they are in violation of the FCRA because they reporting negative items onto my XXXX report. And my name has been slandered. for accounts # XXXX # XXXX # XXXX # XXXX
04/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30157	Web
XX/XX/2020 {$100.00} I went to XXXX XXXX XXXX. And they checked in there system and told me that there was never an open bill, everything was payed at time of service. Collection service of Athens send the collection note in the mail, there phone number also comes up as scam if you XXXX it.
03/06/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30606	Web
COLLECTION SERVICE OF ATHENS NEVER SENT ME A BILL OR INFORMED ME OF AN ACCOUNT WITH THEM I DID NOT GIVE OR MY CONSENT TO OPEN AN ACCOUNT OR USE MY SOCIAL SECURITY TO EXTEND FOR CREDIT WITH THEM, THEY ALSO VIOLATED MAY HIPPA RIGHTS BY MAILING SENSITIVE MEDICAL INFORMATION WITHOUT MY CONSENT
05/02/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30044	Web
This company has a debt of {$49.00} that they are trying to collection. Ive shouted this ask do not know of this charge. I looked recently and its now bee added to my credit report asa medical debt.i never recieved a bill for this so I would like this removed from my reports
01/21/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	GA 306XX	Web
I also have not received ANY response to the debt validation letter that I sent them. They just stay on my credit report without validating the debt with me and keep verifying with the credit bureau the unvalidated debt. This appears to be illegal collection tactics to me.
08/15/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30549	Web
Two collections appear on my credit report as of XX/XX/2017 that are the result of identity theft..I 'd theft report has been filed with ftc and submitted to provider..XXXX XXXX XXXX XXXX and collection agency and dept is still being reported in violation of fcra
10/23/2017	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 305XX	Web
XXXX XXXX XXXX and Collection Services of Athens have been falsely reporting to credit bureaus regarding account # XXXX. This account has been paid as agreed. If negative credit reporting is not stopped immediately, the appropriate legal action will be taken.
07/11/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30165	Web	Servicemember
This company is attempting to collect a debt from me that I do n't owe them. I never established a contract with this company and they have reported negative items onto my XXXX and XXXX credit reports which is in violation of the FCRA.
08/21/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	GA 306XX	Web	Older American
company calling for subject that does n't live here or that I have no contact with, I have asked them twice not to call here and was promised that they would not call again. they are calling and leaving messages every day again
07/15/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	NC 28376	Web
This debt was created as a result of identity theft ... ... and this account has been reported on my credit with attempts to collect as this debt is fraudulent i have filed police and ftc reports regarding this matter
02/24/2016	Yes	Credit card	Closing/Cancelling account	GA 30022	Web
Amount of {$100.00} has been paid to " Collection SVC of Athens '' as of XXXX. Both parties agreed that this record will not show nor appear on any of XXXX credit bureaus and any credit reports hence making payment.
07/30/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30047	Web
hello we never received anything from this company and know they are reporting me for {$120.00} i have insurance and do not owe this this is not my first problem with this company
10/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30601	Web
This isnt my debt my identity was stolen and Ive been trying to get this removed from my XXXX report and they will not remove it, they dont have proof and they wont remove it.
02/15/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	GA 30096	Web
I have no knowledge of said debt and request that it be removed immediately as it was reporting to all XXXX credit bureaus and negatively affecting me.
12/16/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30016	Web
I first became aware of the debt when applying for an apartment and as it 's reporting on my credit report it is affecting my ability to get a home
10/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77429	Web
The CSA/XXXX XXXX debt of {$190.00} has been paid. The debt still shows as unpaid and is being reported to credit bureaus.
04/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 30260	Web	Servicemember
Agency has refused to send verification. Account was removed by previous collections company and has now reappeared.
04/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30601	Web
I am requesting debt validation from them I ask them to provide records of this debt as validation.
03/15/2017	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	SC 29621	Web
They will not provide me proper documentation to of debt
02/12/2018	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA XXXXX	Web
Numerous old collection accounts on my credit reports.
05/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 306XX	Web
COLLECTION SERVICE OF ATHENS XX/XX/2020 {$1000.00}
04/21/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30236	Web
pop on credit i wasn't aware of it or this company
03/15/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	GA 305XX	Web
Debt should be paid by XXXX indigent/charity care!
10/17/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30281	Web

10/11/2023	No	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46113	Web

09/29/2023	No	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30043	Web

09/28/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30024	Web

06/28/2023	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30606	Web

05/08/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30680	Web

11/16/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30039	Web

09/27/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30512	Web	Servicemember

08/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35613	Web

07/20/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AL 36576	Web	Servicemember

07/15/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30680	Web

07/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30238	Web

05/26/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30318	Web

05/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30058	Phone

05/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30058	Web

04/30/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30127	Web

04/16/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75203	Web

03/13/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30253	Web

02/02/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30263	Web

12/09/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30345	Web

08/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 36561	Web

07/30/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30017	Web

05/29/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30680	Web

05/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33068	Web	Servicemember

05/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30260	Web	Servicemember

05/07/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30043	Web

04/28/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30052	Web

04/27/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30046	Web

04/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30096	Web

03/16/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30683	Web

10/08/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30533	Web

07/25/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30577	Web

07/08/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30236	Web

06/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30527	Web

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

05/09/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 12866	Web

04/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30296	Referral

04/09/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30606	Web

04/05/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31406	Web

03/09/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30260	Web	Servicemember

12/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30023	Web

11/10/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30052	Web

10/04/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt		Phone

09/16/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30052	Web

08/06/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30601	Web

06/12/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30558	Web

02/04/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt		Phone

01/28/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30605	Web

10/01/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30721	Web

09/23/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30629	Web

08/31/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30214	Web

06/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30047	Phone

04/12/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30096	Web

04/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30052	Web

04/03/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30043	Web

04/01/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31216	Web	Servicemember

09/06/2017	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	GA 30253	Web

08/24/2017	No	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	GA 30677	Web

08/22/2017	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30260	Web	Older American, Servicemember

07/30/2017	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30236	Web

07/20/2017	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33594	Web

07/06/2017	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30565	Web

06/27/2017	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30076	Web

06/04/2017	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30023	Web

03/29/2017	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	GA 30023	Web

03/02/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30233	Referral

01/09/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30633	Web	Older American, Servicemember

11/21/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	GA 30519	Web

11/09/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30135	Web

10/06/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	GA 30135	Web

08/10/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30248	Web

06/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	AZ 85250	Web

02/17/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30024	Referral

12/08/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 33498	Web

12/04/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 72206	Web

10/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 30032	Phone	Older American

10/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30666	Web

09/01/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	LA 70068	Web

07/16/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	LA 70068	Web

07/10/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 95348	Web	Servicemember

07/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30097	Web

06/30/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 31793	Phone

04/30/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	GA 30605	Referral

02/19/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	GA 30680	Web