COLLECTIONS UNLIMITED OF TEXAS INC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
09/09/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	TX 77493	Web
I am writing to dispute an inaccurate and unsubstantiated debt collection account that has been reported on my credit report. I am concerned that this account has been reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I kindly request your assistance in resolving this matter promptly and satisfactorily. Account Information : Creditor : Collections Unlimited Inc Account Number : XXXX I have no recollection of any contractual agreement or financial obligation to Collections Unlimited Inc or any other entity with an account number matching the XXXX mentioned above. Furthermore, I have never signed any agreement, received any services, or incurred any debt that would warrant my responsibility for this alleged debt. The FCRA mandates that creditors and debt collectors report accurate and verifiable information to credit reporting agencies. Failure to adhere to these guidelines can result in severe penalties for non-compliance. I believe that the inclusion of this disputed account on my credit report is not only erroneous but also in direct violation of the FCRA. Specifically, I wish to bring to your attention the following sections of the FCRA, which pertain to my rights as a consumer : 1. Section 609 ( a ) ( 1 ) : This section of the FCRA requires that credit reporting agencies provide consumers with a copy of their credit report upon request, which I have obtained, and the right to dispute any inaccurate information contained therein. 2. Section 611 ( a ) ( 1 ) ( A ) : This section states that credit reporting agencies must investigate the disputed information and, if found to be inaccurate, incomplete, or unverifiable, they must promptly delete it or correct it. 3. Section 623 ( a ) ( 1 ) ( A ) : This section mandates that furnishers of information to credit reporting agencies, including debt collectors, must provide accurate and complete information. Given the absence of any contractual agreement or legitimate debt, I request the following actions to rectify this situation : 1. An immediate investigation into the accuracy and validity of the debt collection account reported by Collections Unlimited Inc, as mandated by the FCRA. 2. Prompt removal of the disputed account from my credit report, as it is inaccurate and unverifiable. 3. Confirmation in writing that this erroneous information has been removed from my credit report. I trust that you will treat this matter with the urgency it deserves, as the inclusion of this inaccurate information on my credit report is having a detrimental impact on my financial well-being. Please be advised that, if this matter is not resolved in a timely and satisfactory manner, I will not hesitate to pursue legal remedies available to me under the FCRA, including but not limited to, filing a complaint with the appropriate regulatory authorities and seeking damages in a court of law. Thank you for your prompt attention to this matter. I look forward to a swift resolution and the restoration of my accurate credit profile.
07/07/2018	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77477	Web
I went to the XXXX, XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX XXXX, on XX/XX/XXXX. The Technician that examined me said I needed a treatment, XXXX XXXX XXXX for my XXXX. They said I had XXXX XXXXXXXX. Which turned out to be false. I replied to the technician, if my XXXX Insurance covers the procedure, the cost of XXXX XXXX XXXX, then I will agree to it. XXXX XXXX came back 30 minutes later and said that 80 % was covered by my XXXX XXXXXXXX XXXX XXXX. I agreed to pay the 20 % balance and paid that balance at that the time of the treatment at the XXXX XXXXXXXX offices in XXXX XXXX Texas. On XX/XX/XXXX, over 15 months later XXXX XXXX sent me a bill for {$180.00} saying XXXX XXXX XXXX XXXX did not pay the 80 %. Come to find out, XXXX XXXX used a XXXXrd party service called XXXX XXXX XXXX to check my Insurance to determine what was and what was not covered. ( See attached document from XXXX XXXX XXXX ). XXXX XXXX XXXX checked my Insurance on XX/XX/XXXX while I waited at the XXXX XXXX offices. XXXX XXXX came back to me and said the treatment was covered at 80 %. Again, I only agreed to pay the 20 % and would not have authorized the unneeded treatment if I knew it was not covered. I later found out that XXXX XXXX XXXX is a shame and does not work. A gimmick to get more money out of patients. That is why my Insurance company does not cover it. XXXX XXXX has now referred the matter over to a collection agency called Collections Unlimited at XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, TX XXXX. Collections Unlimited opened an Account with XXXX and entered a derogatory remark on my XXXX credit report on XX/XX/XXXX. I dispute this {$180.00} charge, and the derogatory remark left on my credit report by Collections Unlimited. The bottom line is, even with this derogatory remark, my credit score is still above 800 and well within the excellent range, but companies and organizations like XXXX XXXX need to understand that cant bully people around. We had an agreement, they entered into that agreement willingly, and now they are reneging on that agreement. I have to believe that if the roles were reversed, for example, I put in a job bid on sheet rock work in their offices and a year and a half after the job was completed and I got paid for it, I came back and ask for more money, for what ever reason, they would not have even considered that and would have escorted me off the property. Its not my fault that the 3rd party service called XXXX XXXX XXXX got the information wrong. An accord was made and not kept by XXXX XXXX. They should collect from XXXX XXXX XXXX. Read the reviews : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
12/01/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 770XX	Web
On XX/XX/XXXX I checked my credit report because I was alerted that a collection had been placed on my XXXX credit report. The report stated that an alleged debt of {$82.00} was placed in collections on XX/XX/XXXX by XXXX XXXX. The alleged debt was reported ti my credit on XX/XX/XXXX. Prior to the debt being placed on my credit I was never informed about the collection in question nor were any efforts made to contact me to resolve said debt. Upon finding out about the alert on my credit I also reached out to the debt collector via email asking for them to provide me with verification that the debt in question was truly mine. Since I am a victim of identity theft I felt like this was my right under the Consumer Protection Act and Fair Trade Commission. 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. None of which have been provided or done by the Collection agency. Also upon doing more research. I found that, Not only was I not contacted by the creditor or the third party agency for the alleged debt but they are in direct violation of the Texas Finance Code 392.101 which prohibits a third-party debt collector or credit bureau from engaging in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filled a copy of the bond with the Secretary of State. Collections Unlimited directly violated this law. Due to the negligence of this business my credibility, reputation and credit score has been scorned.
05/24/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 93308	Web
On XX/XX/2019, I noticed a new collection showing on my XXXX credit report. I called them to find out what it was for, and they stated it was a water bill for a home in texas. I did live in XXXX XXXX Texas so I did recall the bill, but never received proper notice of this debt. I asked what address they sent the notice to and ironically they sent it to the same address the services were provided, which of course I never received because it moved to California. I agreed to pay the debt and they agreed to remove the account from my credit report. This was in XX/XX/2019. Well as of XX/XX/2019 they never updated my credit report and it still showed that I owed the balance. They never even updated it. I disputed it with XXXX and XXXX verified the account as accurate but updated the account as if I paid it in XX/XX/2019, instead of XX/XX/2019. I argued with XXXX that this should be deleted and they told me to take it up with the creditor. I called Collections Unlimited 7 times on XX/XX/2019 and everytime I pressed " 0 '' for the operator I kept getting looped back to the main menu. I was never able to get a live person on the phone, so I have no choice but to ask the CFPB for help in resolving this matter.
03/31/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77406	Web
I have received several notices in the mail at my home for a debt belonging to a person by the name of XXXX XXXX XXXX. I contacted the debt collection agency on several occasions as I receive these notifications every six months. The name of the agency is Collections Unlimited TX Inc. located at XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX TX XXXX phone number XXXX. Each time I receive the notice I contact the agency inform them that I 'm not the person they are looking for and I have never lived at the address which is associated with the debt they are trying to collect which is XXXX XXXX XXXX XXXX. each time I contact the agency they say that my address will be removed and I will not receive any additional correspondence from their office and again six months later I am following up with them to try to resolve the issue this has gone on for the last 3 years. I think I have been extremely tolerant up to this point and now it is getting a little annoying, any assistance you could provide would be helpful.
08/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77449	Web
I Sent a Identity theft alfadavit form to XXXX, XXXX, and XXXX on XX/XX/2023. Listing the following accounts as identity theft : XXXX XXXX XXXX # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX Account # XXXX This now my second time sending in a identity theft alfadavit disputing these accounts There is an attachment for XXXX XXXX XXXX XXXX Account XXXX XXXX showing they were ceasing the collection for the debt and removing it from all bureaus and have not yet. I have also seperately online disputed these accounts as well with XXXX and XXXX and XXXX but they keep coming back fromt the creditor as verifed.
11/06/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 76148	Web
I went to a dentist XXXX for a estimate to have my XXXX replaced that were missing XXXX. They realized it was XXXX and said that if I fix my teeth with them they would collect it from the insurance through subrogation. They never discussed ANY cost for anything nor did we discuss a cost for initial consultation. They gave me a price and I left ... I continued to get estimates and had another dentist quote a lower amount. They were also closer to our home. I chose them to do a XXXX missing in a accident. A month later they billed me XXXX. We discussed it and they said it was a misunderstanding bur still expected me to pay it. I said no ... I never agreed to it. They turned it over to a collection agency as a debt for my daughter ( yes for my daughter ) in my wife and my name to a collector.
08/17/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77377	Web
Collections Unlimited has reported a collection account to my XXXX credit file. I do not owe this alleged debt. If Collections Unlimited has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account via contractual documents stating and proving that I agreed to and that I am responsiblefor this account. Collections Unlimitedhas no legal right to attempt to collect a debt. Collections Unlimited has not validated this debt nor sent me a notice of collection. Collections Unlimited is in violation of the FCRA and the FCDPA.
09/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34608	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
08/05/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	TX 77009	Web
Agent called my workplace. Agent was patronizing and arrogant. I explained the only thing they needed to know is that I could not make a payment and Agent stated I needed to take care of this debt. I told the agent not to call me at my workplace anymore. She stated they could send letters and call me at my workplace. I again stated I did not want them to call my workplace again. She was rude aggressive. Call took place Wednesday XXXX/XXXX/2015 around XXXX XXXX.
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77038	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It a so states a consumer reporting agency can not furnish a account without my written instructions. + 15 USC 1666B : A creditor may not treat u 6338 payment on a credit card account under an open end consumer credit plan as late for purpose.
02/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77382	Web
The account COLLECTIONS UNLIMITED is not my account. The account does not belong to me. This means that I was not the person which had this account with COLLECTIONS UNLIMITED. COLLECTIONS UNLIMITED has reported this account to my credit report but this account was not opened by me. I did not give authorization for anyone else to open this account. Therefore the COLLECTIONS UNLIMITED account must be deleted from my credit report.
06/11/2015	No	Debt collection Non-federal student loan	Communication tactics Threatened to take legal action	IL 60637	Web
I received a call from a debt collector on behalf of XXXX XXXX XXXX about a past due amount that they debt collector claimed that was owed. When I informed the caller that my peoples gas account had been paid in full and that the original company should have been paid in full. The representative yelled at me and told me that the information about the past due amount will be going on my credit report
04/13/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MS 39402	Web
I received a letter from Collections Unlimited dated XXXX with an attempt to collect a debt of {$170.00} that was discharged in bankruptcy on XXXX XXXX. The company then proceeded to place the account on my credit report. I sent them a certified letter asking can they remove it and they have not removed it as of XXXX.
02/28/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77571	Web
I went and saw Dr. XXXX XXXX on XX/XX/2017 and paid him {$270.00} I was not happy with services rendered and I was refunded my money How can they put something in collections when I paid them and they gave my money back this is not right
12/09/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 773XX	Web
I have disputed this collection listed on my credit file which I have never been contacted about nor owe. Please assist
10/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77379	Web
Do not recognize such charges or the amount
04/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77084	Web

04/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77084	Web

03/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77064	Web

07/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 79407	Web

11/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web

05/13/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 78665	Web	Servicemember

04/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77489	Web

04/28/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77539	Web

04/02/2021	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 77489	Web

12/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85295	Web	Servicemember

09/11/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75160	Web

03/20/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 78664	Web	Servicemember

06/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77433	Web

05/24/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77489	Web	Servicemember

01/16/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NY 11763	Web

04/17/2018	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77429	Web

07/31/2015	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 78207	Phone	Older American, Servicemember

07/16/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 95330	Web	Servicemember

12/22/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77429	Web

09/23/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	MA 02368	Web

09/23/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	MA 02368	Web

09/15/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 78238	Web	Servicemember

09/27/2013	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60660	Referral