CONTRACT CALLERS INC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
01/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23434	Web
CFPB it is my request that you review and assess my concerns below before just forwarding over based on violations. Reference # XXXX Although, I have no confidence that my concerns will be properly handled and/or reach the desk of XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will not subside. XXXX has yet to properly address my statements as outlined and reiterated below in response to your successive CFPB unsatisfactory responses. I have attached most recent as your reference. This is NOT a request for verification or proof of my mailing address, but a request for validation made pursuant to 15 USC 1692g. I respectfully and humbly ask that your office provide me with competent evidence that I have any legal obligation to pay XXXX. At this time, I will also like to inform you that your offices have reported invalidated information to all three major credit bureaus ( XXXX, XXXX, and XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on my credit reports by your company you represent, I will not hesitate in bringing legal action against your and your client for the following violation of the FCRA, FDCPA, and Defamation of character ( per se ). XXXX Statement : We have validated the debt for the consumer more than once. ( Per attached response ) Consumer Response : To date, I have received no proof of validation in accordance with Congress requirements noted in 15 USC 1692g ( a ). Shown below for your reference. ( 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 consumers 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. XXXX Statement : The consumer has an incorrect conception of debt validation. We have validated the debt under the requirements of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act Consumers Response : These are not assumptions, as stated above these are all requirements set forth by congress relating to verification requirement for alleged debt. There is no grey area, I believe the individuals handling the complaint responses are not well versed in consumer laws and violations surrounding such. If you have provided the above information along with proof of receipt by consumer such as tracking information, etc, please advise. Otherwise, there is no validity to this claim. XXXX Statement : Should XXXX XXXX have Documentation to the contrary or wishes to allege identity theft or fraud, we would investigate the allegations once a fraud affidavit with a police report is received Consumers Response : This response further violates my rights as a consumer whereas there are no laws governing your request that police report be provided. These are all statements made up by XXXX in efforts to further camouflage their faulty and deceptive business practices. Please provide law supporting your request otherwise you are making up your own request is not legal. XXXX Statement : Theconsumer has made incorrect assumptions. XXXX XXXX XXXX Virginia is the owner of this debt. They contended that XXXX XXXX signed up for and used their utility services. Consumer Statement : If your statement is in fact true, my question remains unanswered. Who provided XXXX with authorization to obtain my information and collect on behalf of XXXX XXXX? Corresponding Violation : 15 USC Code 1681b indicates that unless requested by federal grand jury or submitted in writing by myself the consumer which I did not provide so therefore whether you are collecting on their behalf of not you have no right without my consent!!!!!!!!!!!!!!! You are not legally able to just go around collecting debt on behalf of someone in which you have no contractual agreement with. There are no laws governing this no should any information have been given to XXXX without consumer permission. XXXX Statement : Should XXXX XXXX have Documentation to the contrary or wishes to allege identity theft or fraud, we would investigate the allegations once a fraud affidavit with a police report is received. Until that time, the account is on hold, and we will continue to report it as disputed to the credit reporting agencies until we hear from the consumer. Consumer Response : The Consumer, never gave XXXX consent to furnish ANYTHING on my consumer report. Pursuant to Corresponding Violation : 15 USC Code 1681b indicates that unless requested by federal grand jury or submitted in writing by myself the consumer you do not have consent to furnish information. Who gave XXXX authorization? There is no federal law that indicates you must furnish anything on my consumer report without my consent. Based on my consumer reports, XXXX reflects that my disputes were reinvestigated in XX/XX/2021. Per my last request, Please provide proof with steps taken to investigate. Corresponding Violation : 15 USC Code 1681a defines an investigation by performance of interview with either neighbors, friends, or associates of the consumer. Please provide written response with whom you performed interviews within order to investigate debt XXXX Statement : Our client maintains ownership of their account ; therefore, we service the account on their behalf. Consumer Response : If XXXX is truly not a debt purchaser your communication sent out to me is also in further violation and misleading and further justifies my point. If XXXX only works on behalf of client, why is all information listed on my consumer report reflect XXXX? Also the attached communication that was submitted to me by XXXX is a direct violation pursuant to 15 USC 1692 ( b ) ( 2 ) which states States that your communication should not state that consumer owes any debt. Please see your communication dated XX/XX/2021 which outlines the violation made by XXXX. My request is that be removed from my consumer report immediately due to the violations stated, if account is not removed immediately, I will move forward with legal actions against your company. Your bogus company reflects on my consumer report as a charged off debt. IRS categories a charge-off as gross or ordinary income. This should be deleted as income should not be reported on ANY consumer report. This back and forth with XXXX has been extremely stressful and it is my hope that individuals who understand above mentioned violations will be able to comprehend and delete alleged debt to avoid further escalation. Thanks, XXXX XXXX XXXX
03/09/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	AE XXXXX	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. CONTRACT CALLERS, I bal. {$83.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
06/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CT 06095	Web
TO WHOM THIS MAY CONCERN : During a XXXX XXXX situation I had to leave the state of NY in a hurry. I didnt get a chance to closed or notify XXXX XXXX XXXX XXXX XXXX company of my move. I lights stayed on for a time. When I got settle and was able to start paying my bills I started paying my old account online at the XXXX XXXX XXXX XXXX XXXX website. After making two payments I contacted the company directly because I realized that there was two different accounts with two different amounts. I called XXXX XXXX XXXX XXXX XXXX XXXX company directly and I was told that theres only one account. Somehow when my account had gotten shut off the system generated a new number for my account but the bill is the same. The issues was they had already sent my accounts to a Contraction Callers XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, collection agency. I got the information reached out to them but they were very nasty and refused to settle or remove the collections off my credit report, with no good results looked through my bank account and realized that I already started paying on the XXXX XXXX XXXX XXXX XXXX company website. I asked can I pay them instead of the collection agency. The operator said yes. I asked will it be removed from my credit report and she also said yes. I asked can I get a letter saying that these accounts are no longer a debt and I owed nothing she said yes. I paid that day and she gave me credit for the amount I had already started paying online. I called the collection agency and informed them that I paid my debt and XXXX XXXX will send them conformation. The collection agency said when they received the letter from XXXX XXXX they will update my file but they will not remove the negative off my credit report and that it was up to XXXX XXXX XXXX XXXX XXXX to do so. I waited for the letter. When I received the letter I called and gave the conformation numbers showing that my bill is paid. I waited for them to remove the information from my credit file. Its now XX/XX/XXXX. I paid off my debt to the original creditor in XXXX. I called the collection agency the end of XXXX and gave them the conformation number the end of XXXX. I watched as my scores dropped. I watch my credit report updated as late payments added to my account from the collection agency. I then saw a few weeks ago that the collection agency reported that one of my accounts was paid in full but now its late since the date of the original collection of XXXX. All this time no negative remarks was present on the collection from this collection agency. I called the collection agency and spoke to XXXX XXXX at Contract Callers INC and explain what had happened. I was reminded that had I paid my account it would not be in collections. I explain that I had a serious issue going on and I reached out to the XXXX XXXX XXXX XXXX XXXX directly and paid my account off. She stated that my account was not paid and I still owed {$970.00} reduced from the original Dept of {$1200.00} : the reduction was due to the payments I had already made online on XXXX XXXX website via my old account. Miss XXXX continue to say that the letter that central sent to them doesnt say my account was no longer a debt. Now my credit report shows from Contract Callers INC that I have a recent collection not true this collection was from XXXX and that my recent collection was from 1 year and 4 months ago. The most recent late payment is this month XX/XX/XXXX. I paid this debt off since XXXX so I dont understand why they reported my collections as late. I called XXXX XXXX XX/XX/XXXX and they said they would reach out to the collection agency. I own this debt Im not debating that, but I truly believe that before I paid the bill to XXXX the collection agency refused to work anything out with me and refused to removed the debt off my credit report as a collection agency. After I paid I do believe that I caused them some pain because their actions towards me was maliciously done. They purposefully didnt update my account as paid until XX/XX/XXXX even though miss XXXX one of their customer service rep stated that they received the information from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Which was not true. My report shows that on XX/XX/XXXX my credit report was updated as XXXX balance saying paid in full but the other account they reporting as owed {$970.00} and late payment history. I have never made an arrangement with them I dont understand why after my account was paid and I received two letters Contract callers continues to report my account. Original debtor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX NY XXXX Debt Account Number : XXXX original amount : {$2000.00} XXXX second account owed {$1200.00} Both account are the same. Phone number : XXXX Collection Agency : CONTRACT CALLERS XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number : XXXX I need your help to resolve this issue and have the collection agency remove these lies from my account. I asking the agency to be reimbursed for the {$250.00} dollars I paid to the original debtor. I understand that this requires proof and I will gladly do so. Thank you XXXX XXXX
02/17/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30044	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 CONTRACT CALLERS INC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a 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. Best Regards, XXXX XXXX
06/24/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 93309	Web
This is a second complaint against Contract Callers Inc. I know I just filed a complaint against them 5 days ago and they responded to the complaint, but I just can't help but think the response they gave me was very poor and just a quick response to your company so they could pretend like they are doing something about assisting me or resolving this complaint. I strongly debated about filing this second complaint, but their response to my first complaint along with what they just told my husband earlier today made me realize they really aren't here to help me at all with this situation. My original complaint was based on the fact I never received notice I owed money, was never notified by phone either, and this collection is preventing me from buying a house. I was trying to pay it to have it removed because I don't believe I should have my credit damaged for a debt I was never aware of, but Contract Callers said no because its company policy. The response I received earlier today on your portal said Contract Callers wanted me to call them because they couldn't find the account in their office based on the information I provided on this complaint. It also said if I did contact them, they could resolve this matter quickly. That was the furthest thing from the truth. Just to make sure I wasn't making a big stink out of this before I filed this second complaint, I re-checked the information I provided in my original complaint. Sure enough, the last four of my social security number are on this complaint as identifying information. What I'm trying to say is that when we called this morning to talk to Contract Callers Inc they asked for my information so they could locate the account. They were able to find my account in their office by my social security number. I repeat, they were able to find my account in their office by my social security number. If they were able to find my account in their office with my social security number, how were they not able to find it when they were looking me up through this complaint using my social security number I provided in this complaint? They also said in their letter if I called them they could get this resolved quickly. When I called they did anything but. In the phone call they said they won't accept the pay for deletion because their customer, XXXX, won't allow pay for deletions. When we told them its not fair because we never knew about this debt and how I'm basically stuck with a debt for an account I was never notified about or knew I owed, we were told Contract Callers compliance department would be notified. When we asked how long that would take and when we would receive a response, we were told it was unknown and no time frame was given. We were even told if we wanted to, to contact their compliance department by e-mail. Does all of this sound like a company who is handling this account or this complaint seriously or attempting to resolve this quickly? I am filing this second complaint because I just can't believe this is happening. I feel like I'm in a movie with some evil and greedy corporation who is purposely trying to hurt me financially and finding loopholes against regulators like yourself. They didn't really answer any of the points I filed in my first complaint, answered this complaint with a lie about not being able to find me in their system just so they can claim they answered the complaint, and are doing exactly the opposite of trying to help me in resolving this quickly. What more can be said other than I want it to be known what Contract Callers is doing and how they are treating me. I hope you can help me this second time around.
04/12/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	UT 84116	Web
Hello, to whom it my concern my name is XXXX XXXX XXXX consumer ). I'm A federally protected consumer, I would like to thank you for the opportunity to address my concerns with Contract Callers inc " Debt collector define in 15 usc 1692a, engaged in the business of a collection agency, using telephone & mail to collect consumer debts for profit, in collection of debts allegedly owed by consumers. Notwithstanding I have reviewed this matter confirms that this matter has not been properly handled in accordance with applicable Federal law. Contract callers inc has infringed upon my rights to privacy under the Fair debt Reporting Act 15 U.S.C. 1692 ( a ) This office is under violation of the FDCPA 15 usc 1692, FCRA 15 U.S. Code 1681. I am verbally making the request to dispute the validity of the debt which this office can not misconstrue the debt to be valid. I the consumer also made known clearly, I do not want this office to " do not contact/cease communication '' preference. On XX/XX/2021 Contract Callers inc has communicated with me defined by 15 usc 1692 ( 2 ) Contract callers inc XXXX debt collector XXXX has communicated with me in connection with the collection of a debt which is a violation Under the FDCPA 15 usc 1692c ( a ) I would like to ask how my location information was acquired, and who provided you consent to communicate with I ( consumer ) which I would like Contract callers inc to provide me my written consent of such action, If the request can not be provided, this will be in direct violation of 15 U.S. Code 1692c ( a ). During my initial communication with Contract callers inc, I requested the debt collector to provide me validation of debt, whom the Original creditor was on that debt and to Cease all further collection efforts regarding to the accounts under federal law 15 usc 1692C ( c ). The letter Contract Callers inc was misleading and confusing because it fails to provide the name of the creditor to whom the debt is owed. This form provided information that would allow the least sophisticated consumer to determine the minimum amount he or she owes at the time of the receipt of the letter, this letter failed to provide information that would allow, I to determine what will I need to pay to resolve the debt at the time of the receipt of the letter also this letter failed to provide information that would allow the least sophisticated consumer to detriment the amount of billing fees owed and whether any additional billing fees will be added, the date they be added, & the amount that be added. Contract Callers inc used symbols other than the debt collectors address on envelope, which a debt collector may only use the business name if such name does not indicate that he is in the debt collection business. Which is a violation of 15 usc 1692F ( XXXX ). Contract Callers inc has harass me to harm my physical reputation which is in violation 15 U.S. Code 1692d ( 1 XXXX The advertisement for sale of any debt to coerce payment of the debt. Is a violation of 15 U.S. Code 1692d ( 4 ) If this office agrees to handle this matter outside off litigation, I request a settlement offers. I will be taking legal proceeding if action is not done to my favor. Notwithstanding, I instruct Contract Callers inc to close my account and to permanently cease all further collection efforts regarding the multiple subject account. In addition, to the damages I am requesting five thousand ( {$5000.00} XXXX to settle., If this offer is not accepted, my next step will be taking this case to legal proceeding to litigation.
09/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 19020	Web
starting on XXXX/XXXX/2015 I started getting calls from this company " contract callers inc '' with individuals not specifying their name or company name even when asked claiming I had an outstanding debt with a power company from my old address in Virginia. That same day I called the power co and realized it was because the last bill before moving is unable to be processed by pre-set bank draft like we had set up. I paid that balance to the power co that same day ( XXXX/XXXX/15 ). Since then the collection agency has not stopped calling from multiple numbers, each time I tell them there is no balance and ask they call the power company themselves to confirm, they refuse, they also refuse to provide me their name or company name XXXX I finally called one of the numbers and got a recorded start message that included the company name ) and are extraordinarily unprofessional when speaking to them. Each time I told them to stop calling me. I have been called from numbers including XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. After being transferred XXXX times when asking for a supervisor each time I finally spoke to a " XXXX '' who refused to provide her last name who said her extension was XXXX and that she was a supervisor ( company site states main number is XXXX ) I believe this company calling me and calling in this manner is in violation of regulations in regards to attempt to collect. Per the Fair Debt Collection Practices Act ( FDCPA ) abusive, unfair, and deceptive practices to obtain the debt are not allowed. I believe one of the callers stating " Had you paid your bills it would not have gotten this far '' and continuing to yell at me and refuse to believe me the debt was paid ( caller called XXXX ) was both abusive and unfair. I believe the callers all not giving their company name was also deceptive. This debt collection agency also never sent a written validation of debt notice as required per the FDCPA. I asked for verification of debt, asking them to call the power company to confirm the debt and notify me and was denied. I was told they " do n't call the initiating company to verify if a debt is still in place '' and that the phone calls would continue. They refused to provide me with official verification of my debt and were very pushy I give my credit card information to them despite them not sounding professional and not providing me their name or company name. I knew there was no debt to be paid as verified on XXXX/XXXX/2015 with XXXX Power, and refused to pay this non-existent debt. I believe giving a false company name under the FDCPA should also be qualified due to them refusing to give a company name. I am aware of my right to sue for up to one year from violation of law date for up to {$1000.00} even if there were no damages to me and am additionally able to receive reimbursement for court costs and attorney fees, I also know a class action lawsuit is a potential allowance per the FDCPA and am exploring if I want to pursue these venues. All applicable reporting agencies to include the State Attorney Generals Office of my current residing state, The Federal Trade Commission, and the Consumer Financial Protection Bureau will be notified.
04/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23834	Web	Servicemember
On XX/XX/2022, I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that CONTRACT CALLERS, INC. had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/2022 with a balance of {$2200.00}. I had no knowledge of this company nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an XXXX from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of purchasing a home. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with the purchase of my home and business ventures that have to be delayed until this illegal account is removed. CONTRACT CALLERS, INC., XXXX XXXX XXXX, XXXX, GA, XXXX, ( XXXX ) XXXX
12/08/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 14213	Web
CONTRACT CALLERS INC # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX This company has been reporting to the credit bureaus stating I owe a debt all while not only being unlicensed to do so in NYS but in the City of XXXX as well XXXX The Federal Fair Debt Collection Practices Act ( FDCPA ) regulates both debt collectors who contact you on behalf of your creditor and debt collectors who contact you because they have purchased your defaulted account from the original creditor ( or another debt collector ) and are now trying to collect from you. Law firms who regularly work on debt collection actions are also governed by the FDCPA. In addition, all debt collectors operating in New York, whether acting on behalf of a third party or on behalf of themselves, are required to follow New York State law ( Article 29-H of the General Business Law ) governing debt collection practices. Businesses whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX City residents must also have a Debt Collection Agency license no matter where the agency is located, including outside of New York State. This licensing requirement includes : Attorneys and law firms who regularly engage in activities traditionally performed by debt collectorsDebt buyers, businesses that buy debt and then try to collect money directly or through the services of another This description is only a general explanation of which businesses need to have a Debt Collection Agency license. You may refer to New York City Administrative Code Section 20-489 for a complete description. Plus XXXX XXXX City and XXXX both require licenses and that the license number be disclosed on all communications with consumers. XXXX, NY 140-1License required. " No person, firm or corporation shall collect, advertise to collect, attempt to collect or hold himself or itself out as able or willing to collect, for hire or remuneration in any form, any bill, debt, demand, sum of money or other thing of value due or claimed to be due or owing to any other person, firm or corporation or conduct the business commonly known as a " collection agency '' without first having obtained a license so to do as hereinafter set forth, provided, however, that the provisions of this chapter shall not apply to an attorney at law engaged in the practice of his profession ; to any banker, bank or banking institution acting within the limits of his or its authority as prescribed by law ; nor to any person, group of persons, firm or corporation engaged in the collection only of debts, demands, sums of money or things of value which are the exclusive property of the person, group of persons, firm or corporation attempting to make such collection. ''
05/11/2020	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	CA 93292	Web
The usaXXXX CREDIT SITE HAS COLLECTIONS THAT ARE NOT MINE, refused to submit complaint.I asked all three credit bureas. I ASKED XXXX TO REMOVE IT, THEY HAVE TECH ISSUES ALL THE TIME.DEBT IN OTHER STATES LIKE GEOGIA HAS NEVER BEEN MINE.collections, bankruptcys, and morgages.stop putting other DOB on my credit.stop.using other social securities, even one didget off. DISPUTE XXXX AND ANY OTHER DEBT WITH CONTRACT CALLERS INC. THE CLAIM TO BE AN ATTORNEY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. THIS OTHER PERSON USES INFORMATION THAT CAUSES THESE THINGS TO BE PUT ON.MY CREDIT, BUT XXXX ALLOWED THESE PEOPLE TO USE MY CREDIT, ALSO THEY ARE TAKING using my social with and different spelling. i dont spell my name XXXX XXXX, i am not XXXX, XXXX or XXXX. I dont live in GA, virgina, alabama, TENN, NEVADA, OHIO also i NEVER owed any lawyers for any debt or bills or bankruptcies. i have none. On XXXX, i received a court judicial findings of factual innocence as a victim of criminal identity theft. I am the victim, however the criminal suspect AKA is XXXX XXXX XXXX XXXX, this middle name was the evidence, but they might be using my current name, because the court in XXXX, calif put my info into her case i filed against her and her husband, for using infor not hers, to make others think i was the teacher, but its been her since XXXX, XXXX, ect..arrested for other traffic crimes. they give officers other persons info to evade the law. This court is grossely neglient for not solving this crime knowing now its her and her husband XXXX XXXX, XXXX XXXX. This is not my husband, i have not been married since XXXXThey became aware this year of the court crimes by these two.. The judge stated i was the victim, but intered my name XXXX XXXX XXXX XXXX , and my DOB so now shes aware. The DA covered up this, so they wont get in trouble for HARASSINGME THE VICTIM, BEFORE I STOOD UP WITH A LAWSUIT AGAIST THE COURT FOR NEGLIENT BEHAVIOR. She is at large, still not arrested for using my information. I am trying to sue, but they never show up. I AM CHANGING MINE AGAIN, AND HOPE MY CREDIT REPORTS WILL REPORT CORRECTLY SOON.BECAUSE OF MY WAGE LOSS.I SHOULD BE MAKING A LOT MORE.BUT THE CREDIT agencies are reporting wrong. These banks are confused, i can not even open an account because the assume its me. WE DONT HAVE THE SAME DATE OF BIRTH SUSPECTS DOBXXXXXXXX.These others have been used at this XXXX, CA court XXXX XXXX XXXX, XXXX.NOT MINE ONLY THE XXXX WAS SIMILAR, BUT NOT THE SAME.STOP THESE TWO. HOPE THE BIRTHDATES HELP YOU. BECAUSE THEY STEAL OTHER DOCS. THANKS, MS.XXXX XXXX. WILL BE CHANGING INFO BECAUSE I AM A VICTIM OF INCORRECT ONLINE INFO. As a XXXX, i do not deserve identity theft.
03/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	VA 23518	Web
XXXX XXXX hired collection agency to collect Debt that i did not owe this been going since XX/XX/XXXX. Each time the collection agency called i will return a call and explained that i never received any of the statement. I have no clue that I owe Electric bill because I am up to date paying all my utilities. Each time collection called i call XXXX also. The first two year XX/XX/XXXX-XX/XX/XXXX. i even went to police XX/XX/XXXX to file a report but they could not write a report because I dont have account/statement to show. Police said to disregard perhaps this is a called call trying to get my info over the phone he even warned me to be careful giving info over the phone.I sent letter to agency because the representative that i spoke he told me to send them a letter so they do n't told have to call again ( XXXX XXXX , XXXX XXXX : XXXX Dispute Department XXXX XXXX XXXX, IA XXXX ) I called XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX to really see if i have outstanding balance, it was verified that I do not owe anything under my name. In XX/XX/XXXX, I called XXXX again after i received a call from collection agency about the debt that I owe. XXXX representative said yes, its showing that i have outstanding account she gave me the amount and account number then transferred me to Fraud department. Fraud Department gave me their mailing address and gave things that i need to mail I was recommended to get a police report which i did for the 2nd time but the police only gave report number as reference he said this should be sufficient, I mailed the Copy of my Driver 's Lic, Bank Satement, Utility bill, Police report # and other documents showing my current address between XX/XX/XXXX-XX/XX/XXXX because this is what i told to submit this was mailed XX/XX/XXXX. Now, today XXXX/XXXX/XXXX i called the collection agency " Contract Callers # XXXX. I told that i spoke with XXXX XXXX Fraud Department and i explained that i submitted all the documents that they needed me to submit. She gave me the number to XXXX XXXX again. I called XXXX for XXXX times i explained my situation, then connection to Fraud Department again.They claimed that they never receive my documents and it has been 6 months, no one have ever got back with me. They want me to submit new documents by fax and email. Seriously? and ask to go back to police and get the report, seriously? This is very frustrating. Now collection is harrashing me again? XXXX representative gave me FCC # and web site. That 's why i have sending this information. i am hoping that this matter will resolve very soon five years. why its taking so long?
05/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77042	Web
To whom this may concern I am writing because the 3 major bureaus on several occasions have yet to properly investigate the negative and inaccurate information on my credit report. By law the bureaus must adhere to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) Be mindful that the collection agency has yet to provide A LEGAL BINDING CONTRACT WITH A BEARING SIGNATURE SHOWING PROOF OF DEBT AND OR LEGAL OBLIGATION TO PAY THE DEBT WITH THE ALLEGED DEBT COLLECTOR. UNTIL THE AGENCY COLLECTING THE DEBT CAN PROVIDE A CONTRACT BINDING THE DEBTOR TO THE DEBT THE DEBT MUST BE REMOVED. The major bureaus have continued to report negative information, addresses, and accounts without providing legal proof that the debt is valid. I am requesting a investigation by the CFPB to remove all inaccurate information. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX5 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 that you are licensed to collect in my state Provide me with your license numbers and Registered Agent 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, 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 in bringing 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 are able to provide the 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.
06/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10704	Web	Servicemember
Summary : -No initial notice of delinquency was received as required by FCRA 623 7 ( A ) ( Notice to Consumer Required ) ; most certainly nothing was sent that was clear or conspicuous per FCRA 623 7. Creditor has not been able to provide any verification to support that it was sent. - Dispute was not resolved within 30 days ; there were no extenuating circumstances that would allow for 15 day extension. - When XXXX was asked they were unable to provide a description of the procedure used to determine the accuracy and completeness of the information as required under FCRA 611. - Creditor has not been able to to provide verification after reinvestigation as required by FCRA 623. Detail : I requested a dispute through XXXX ( dispute report XXXX ) on XX/XX/2020 against a company called Contract Callers that's on my credit report showing collections against me. I supplied XXXX with the information that this was incorrect. On XX/XX/2020 I received a message saying my dispute is complete ( 35 days after dispute was started. When logged in it says the dispute report was generated XX/XX/XXXX, 33 days after dispute pics below ). I reviewed the dispute and called XX/XX/XXXX dispute support on XX/XX/2020. XX/XX/XXXX told me to contact the collections agency which had already been done but they did not provide relief as required under FCRA. During the course of the call I was told the information was correct but when I asked the XX/XX/XXXX representative about the procedure used to verify correctness they said they don't have any verification from the company that the collections action was accurate for the paid account or that the original creditor had provided any notification of delinquency as required under the FCRA. I was able to verify with them that no prior notice was given as required under the FCRA of a clear and conspicuous notice. As soon as a collections action against me was noticed I reached out to pay the account and clear the item up. The collections agency was very clear that if I made an immediate payment in full to them they would be able to remove this from my credit report. Years later it still remains on the account. Today, XX/XX/XXXX, I sat on hold for over an hour and fifteen minutes with XX/XX/XXXX only to have them conveniently hang up while still on hold. Neither XX/XX/XXXX or Contract Callers have responded or acted in accordance with the FCRA. I have told both parties that their actions, or lack of action, is against FCRA they respond as if nothing will happen by reporting it to the CFPB. Please help.
07/17/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93063	Web	Servicemember
Contract Callers, Inc. XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Utilities Client Name XXXX XXXX XXXX XXXX Original Amount {$550.00} Status Date XX/XX/XXXX Status Unpaid Date of 1st Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$550.00} Last Payment Date Whose Account Individual Account. Letter sent to XXXX, and their collection representatives now AT LEAST 4 times. I am writing this letter in response to the information your company has placed on my credit reports.. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you, and not an invoice. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license number and Registered Agent Number If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Sent Via USPS TRACKING XXXX ADDITIONALLY : HAVE SPOKEN TO XXXX, REPRESENTATIVE OF XXXX ADMITTED VIA TELEPHONE CALL IN XXXX of XXXX THAT THE ACCOUNT USED TO WAS A FRAUDULENT ACCOUNT AND WOULD BE CLOSED/BLOCKED/BAN. XXXX HAS BEEN PROVIDED WITH COPIES OF MY STATE ISSUED ID AND COPIES OF MY TAX RETURNS FOR THE YEAR IN QUESTION.
08/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30135	Web
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, XXXX XXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. CONTRACT CALLERS INC Account Number : XXXX As a consumer by law this account must be deleted immediately. Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. CONTRACT CALLERS INC Account Number : XXXX As a consumer by law this account must be deleted immediately. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge.
10/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA 982XX	Web
We ended our service with XXXX in XX/XX/XXXX. My wife scheduled an appointment and returned the equipment to the XXXX location on XXXX XXXXXXXX XXXX XXXXXXXX WA. In XX/XX/XXXX, she received a text about equipment that wasnt returned. When she tried calling XXXXXXXX she could t get through because our account and been closed. She decided to try logging into the XXXX account and noticed a past due balance of {$330.00} on XX/XX/XXXX. We then noticed a collection account listed on my credit report from XXXX for XXXX in the amount of {$230.00}. She called XXXX on XX/XX/XXXX annd spoke with a rep named XXXX and inquired why there was a collection and XXXX indicated they never sent us to collections and the account had been paid in full. After being transferred numerous times, she found out that they thought the equipment wasnt returned, but they did have record of the equipment being returned as she said. After that was discovered, XXXX still insisted that they never sent us to collections, and that we owe them nothing and they owe us nothing because the account was paid in full, and her information was incorrect and there a houldnt have been a balance on the account. They could not provide any contact information for XXXX because they didnt have record of a collection with XXXX XXXX My wife emailed multiple times and tried to contact upper management with XXXX to figure out a resolution considering the collection account was listed in error and we over paid XXXX by {$330.00}. They then updated the online account to show a credit of {$100.00} which they later removed. She was told to go to the location the equipment was returned to and they can fix the error with the account, but insisted there was no collection. She then called XXXX on XX/XX/XXXX after finding their contact information online, and tried to inquire about the debt. They told her they cant help her and dont work with XXXX anymore and wouldnt provide her any information and the rep continued to say she cant help. So my wife asked if she was on a recorded line and started her name, my information and why she was calling because the representative continued to deny her request for assistance. I have filed a dispute with XXXX where the collection account is listed, but I have no way of finding out who is holding the collection account or how to resolve it due to a lack of information from XXXX and XXXX and their unwillingness to provide that information.
04/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	IL 60108	Web
A woman from a collection agency for XXXX XXXX called me at XXXX from the number XXXX XXXX XXXX XXXX. She was calling about a debt I owe to XXXX of {$150.00} or so. When I told her I was not working, not eligible for unemployment insurance and I do not have any money, she prodded me to get friends and family to help me. I told her that they are already helping me as much as they can ( I am living with family and they are making sure I have food and have access to a phone, car and car insurance so I can continue to look for work ). I explained to the woman that I recently got divorced and have a lot of bills that have added up. I told her that I am aware of the debt and plan to pay it as soon as I can. She then asked which bank I use. I told her I will not give her that information and she proceeded to tell me that I may as well just give it to her since they 'll keep calling and get it eventually. Then she started raising her voice and and said " Are you trying to say not to call you again? Is that what you 're trying to say? ". I told her that it is illegal for her to harass me and that I had already told her I am aware of the debt, I do not have any money, and I plan to pay it when I am working and can take care of it. I told her that I was n't telling her not to call me again and she was talking over me, yelling and arguing. Eventually, she hung up on me. This conversation is the most adversarial and nasty one I 've ever had with a debt collector. It left me shaken up. I had a scheduled phone job interview with a potential employer right afterwards. I 'm hoping answering this woman 's call did n't affect my manner on the phone. I am trying my best to find work and be able to support myself again. I do not feel it was fair or legal for this woman to verbally abuse me on the phone. I answered the out-of-state number, knowing it was probably a debt collector, because I 'm being as responsible as I can. I do not like having outstanding debts and I try my best to deal with everyone who contacts me in a fair and respectful way. I am in an unfortunate spot in my life at the moment that will hopefully pass soon. Being abused over the phone by a debt collector adds insult to injury. I reported this because I do not want anyone else to be treated the way I just was.
12/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75230	Web
To Whom It May Concern : This is in response to CFPB Complaint number XXXX. Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the 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 am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
04/24/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78641	Web
In XXXX and XX/XX/2019 I began receiving notifications from credit monitoring service that a collection agency Contract Callers Inc., had added a negative account to my credit file. This was for a XXXX phone account claiming I owed over {$1300.00}. On XX/XX/2019 I contacted Contract Callers via phone @ XXXX. I informed the person that my debt with XXXX had been canceled. I was calling to ask that they remove this negative information from my credit file. The person I spoke with stated they would accept payment. She also stated she was representing XXXX and suggested if I had any issues or concerns that I call XXXX. I informed her that they were about the 2nd or 3rd collection agency that had attempted to collect this debt. Both of the other companies deleted the debt because there was no valid contract. I asked for validation of the debt since they were claiming to represent XXXX. She said if I had any issues, I should contact XXXX. I informed her that I would be filing disputes with the credit agencies and they needed to show a contract existed and verification of the debt. I then hung up very upset after this call. I filed the dispute days later stating the debt was cancelled with the original creditor, NO Contract and because this was a cell phone bill, the federal statue of limitations of 2 years has been reached ( This claimed contract would be approximately 4-5 years old ). Contract Callers returned a response today with XXXX stating the debt was valid and this debt remains on my credit file. I also filed the same dispute with the other 2 major credit reporting agencies. Contract Caller 's has not provided any contract or validation. They also have falsely stated this debt is valid. This appears to be their tactic with consumers to try and force them to pay these collection debts that they have procured. As a consumer, we are left helpless to these unscrupulous practices. They currently have over 150 complaints filed with the XXXX XXXX XXXX. As a consumer, I am asking for your assistance in getting this " collection agency '' to accurately validate and report debt to the credit reporting agencies or no longer be allowed to practice as a business with access to consumers credit files.
05/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY XXXXX	Web	Servicemember
On XX/XX/XXXX I filed a complaint through the CFPB website against CONTRACT CALLERS after XXXX/XXXX/XXXX notified me that CONTRACT CALLERS had responded to my complaints against XXXX/XXXX/XXXX through the CFPB that the debt had been validated, which I know is not possible, because the account CONTRACT CALLERS has placed on my credit report is a result of fraud. An account that I have directly disputed with the company, XXXX XXXX, beginning when I learned of the first fraudulent account that was opened in my name for an XXXX XXXX account in XX/XX/XXXX or XX/XX/XXXX, and after that account was disputed and removed from my credit reports, in XX/XX/XXXX or XX/XX/XXXX I received notification of another account that XXXX XXXX allowed to be opened in my name and they then combined the two fraudulent accounts in an attempt to collect both accounts. The account ( s ) were removed from my credit reports in the past after disputing the accounts as fraud with the prior collection agencies who were sold the fraudulent accounts XXXX XXXX. On XX/XX/XXXX CONTRACT CALLERS responded to my complaint against them through the CFPB that they had validated the debt with the company and the proof that they provided is nothing more than a copy of a utility statement with my name and an account number at an address that I have disputed and had removed from my credit reports because it is not an address that belongs to me. CONTRACT CALLERS is in violation of the FCRA and the FDCPA because they willingly and knowingly provided inaccurate information to XXXX/XXXX/XXXX that they had/have validated the debt when they have not nor can they because the account is fraud and they have not fulfilled their obligation under Federal and State laws to prove that a disputed debt is valid. CONTRACT CALLERS CAN NOT claim that they have received validation from the company they are collecting the account for with a billing statement. AN ACCOUNT IS NOT VALID JUST BECAUSE A COMPANY PROVIDES a billing statement with a person 's name, an account number and address. IF THAT WERE THE CASE, no one who has had an account fraudulently opened in his/her name would be able to dispute fraudulent accounts to have them removed from their credit reports.
12/12/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	VA 23435	Web
I am in receipt of your response, however, this is still unsatisfactory. You provide response to a few things in which I would like to make reference and outline as well as address your violations. CCI Statement : We are a third-party collection agency for XXXX XXXX XXXX XXXX We have conducted an investigation and here are our findings : An account was placed in our office for collections on XX/XX/2019. Since that time the consumer has disputed the account numerous times, we have validated the debt for the consumer more than once. Response : Who gave CCI permission to receive my information to attempt to request alleged debt without my permission as the consumer? Corresponding Violation : 15 USC Code 1681b indicates that unless requested by federal grand jury or submitted in writing by myself the consumer you do not have my permission to become the furnisher of alleged debt. Our Compliance Department also verified through public records that the consumer is shown at the service address during the service period Please provide proof of how your compliance department was able to validate said occupancy during outlined dates. As the consumer this request is my right. You indicate that you verified the debt. How? 15 USC Code 1681a defines an investigation by performance of interview with either neighbors, friends, or associates of the consumer. Please provide written response with whom you performed interviews with in order to validate debt. In closing, CCI had no written permission from the consumer to place any information on the respective consumer report. Furthermore, CCI does not have the power to validate debt. Only the original creditor ( XXXX XXXX XXXX ) can validate debt which I have not done. In fact, I was manipulated using deceptive practices and defamation of character into remitting payment for an alleged debt that was never validated and CCI is authorized to report anything without consumers permission. In closing, I am am requesting that closed file is removed from my consumer report immediately, or I will be forced to exercise my rights and prosecute based on the above referenced violations.
02/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23235	Web
RE : Relevant history concerning my dispute with XXXX and Contract Callers , Inc. XX/XX/XXXX Order placed online for 80 gallons. ( Reference number XXXX ) XX/XX/XXXX Email notification of a duplicate order placed. I called to report the duplicate and this was corrected. XXXX received payment for XXXX on XX/XX/XXXX. XX/XX/XXXX Order delivered. XX/XX/XXXX Began detecting odor. Suspected leak. XXXX promptly came to remove the tank and all propane from the property. I do not have the exact date, but it was a Friday evening when the tank was removed. Over the course of several months, I placed numerous calls with various representatives about our replacement tank and propane. Eventually, customer service suggested I place a NEW order for propane, which I did on Friday, XX/XX/XXXX. The order was moved to expedited delivery at no charge with an apology for the long delay. ( Sales Order Created XXXX ) XXXX representative by phone acknowledged that it was in their records that they removed a full tank of gas as well as a leaky tank and that this gas had already been paid in full. The representative stated clearly that we would get an invoice within ten days that noted a credit on our account. XX/XX/XXXX Replacement tank and gas delivered. Invoice appeared with a date date of XX/XX/XXXX, XXXX with no mention of the credit. When I called to correct the record, there was no record of the leaky tank, no record of the removal of a full tank of gas. I promptly requested to close my account and I was told it would be closed on XX/XX/XXXX ( order XXXX ). From the time I opened my account in XXXX, business protocol and communication failed significantly. Calls had been outsourced out of the country, there was no way to speak to a local representative, and every person I was in touch with claimed to have no knowledge or access to any of the notes that previous customer representatives claimed to be taking. I filed an official complaint with the XXXX XXXX XXXX on XX/XX/XXXX. I first disputed this debt with Contract Callers on XX/XX/XXXX ( XXXX XXXX. ) A copy of these notes has been provided to XXXX.
06/19/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90292	Web
Dear Sir or Madam of the Consumer Finance Protection Bureau, It has come to my attention, on XX/XX/XXXX, Contract Callers Inc. dba CCI, reported an unsubstantiated debt that is the result of identity theft and has previously been resolved with the original creditor of XXXX XXXX XXXX ( XXXX ) and removed from my credit reports during the 4th cyclical period of XX/XX/XXXX. It is further noted, CCI is in direct violation of the FCRA and is therefore liable to me in the amount of {$1000.00} for each occurrence. It is within my federally protected rights to pursue this matter through litigation. To avoid such procedure, I request the CFPB investigate Contract Callers Inc. Dba CCI for their illegal and unethical collection practices. On XX/XX/XXXX an FTC Identify Theft Complaint and Affidavit filed ( XXXX ) On XX/XX/XXXX XXXX, XXXX XXXX and XXXX were notified of the fraud XXXX County Sheriff Police Identity Theft Report Number XXXX On XX/XX/XXXX XXXX account was deleted from my credit report at the direction of XXXX due to fraud in my name. XX/XX/XXXX, Contract Callers Inc, with full account knowledge and full history of the reported fraudulent account reported an active collection account with XXXX. This fraudulent account has already been discussed, investigated, and noted to be fraudulent. At this time, CCI is attempting to circumvent the legal protections of me as a consumer by attempting to collect and report an unvalidated, illegal, proven fraudulent account. At this time, CCI has made no attempt to rectify nor remove its reporting as required by section 605B of the Fair Credit Reporting Act, which states CCI is required to block the fraudulent information on my credit report which is the result of identity theft within four business days. CCI has, among other charges, : -reported debt which it knew was fraudulent ( CCI failed to review full account detail to reveal the status of the debt as fraudulent ) - Has not validated nor provided the consumer with written notice prior to furnishing information to credit reporting agencies - failed to investigate - willful negligence
02/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11201	Web
In XX/XX/XXXX, I moved from XXXX to XXXX XXXX. I had my XXXX Account on auto-pay for the past four years. I forgot to cancel the account, and reached out to XXXX in XXXX or XX/XX/XXXX to cancel the account. I paid those four extra months and did not even request a refund, understanding that I should have called sooner. Once the account was cancelled, it was closed out and my auto-pay was removed. I had asked the agent for written confirmation that the account was closed, but he said he was un able to provide that. There apparently was one more bill erroneously sent to my old address in XXXX, which was then sent to collections. I never received the collections notice because it was not sent to my new address in New York. On XX/XX/XXXX, I noticed a delinquent status on my credit report. I could not access it online because the account was closed and I had no record of the number. I called XXXX immediately. The first THREE people I spoke to could not help me. My account was not in their " region. '' They also could not even find my account number because it was closed out. Finally, I spoke to XXXX XXXX Employee # XXXX XXXX. He credited the account in full {$160.00} and told me it would take 24 hours to reflect to give notice of hat happened. I was told that the account was inactive and there was " no reason to charge when account was cancelled and de-activated. '' I was also told that it was a " non-collections credit '' and he was unable to send a note or email to me since it was applied manually. It seemed to be a systems limitation. So he gave me his employee number. I called Contract Callers twice to resolve this. The account was removed from two of my credit bureau reports, but not XXXX. Then it showed up on an XXXX report again. Contract Callers told me they were waiting for XXXX to verify this information. It has now been over a month and I have not been able to get this resolved. It is still on my credit report, and I am in the process of signing a commercial lease for my business, so i really need this resolved since this was done completely erroneously.
11/28/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MO 63303	Web
I was not aware of this bill until, XX/XX/2020. When I ran my credit is when I found out that I owed an amount to XX/XX/XXXX ( XXXX XXXX ). I immediately called the creditor collectors, Contract Callers incorporated. I spoke with XXXX XXXX, a CCI representative. I explained to Mr. XXXX, I was unaware of this bill due to XXXX XXXX and XXXX XXXX and that I would appreciate the opportunity to pay this debt. I also explained that I was on XXXX and receiving limit funds., Mr. XXXX reduced the amount to {$480.00}. Mr. XXXX assured me I would have the opportunity to pay the bill without hassle from the collection agency CCI. I was promised the debt would be temporarily removed from all 3 credit bureau 's because I was never contacted and I was unaware of this debt. Mr. XXXX informed me that they did not have a current address for me and this is why I had not received any mailings. We ended the call with the agreement I must pay {$100.00} by the next Monday, XX/XX/2020. It was to my understanding, that if I paid this in full in a timely manner, the debt would be removed from my credit along with all negative reporting that was incorrectly reported, because I was completely unaware and had not had the opportunity to pay. payments XX/XX/XXXX {$20.00} paid XX/XX/XXXX {$40.00} paid XX/XX/XXXX {$55.00} paid Our agreement was met. XXXX XXXX {$100.00} paid XXXX XXXX {$19.00} paid XXXX {$45.00} paid XXXX XXXX {$39.00} paid XXXX XXXX {$19.00} paid XXXX XXXX {$150.00}. paid in full. This debt was a priority to me and I immediately went to great lengths to make sure it was paid by their guidelines and quickly. I have disputed this debt repeatedly on all 3 credit bureaus to no avail. CCI has failed to list any of my payments, diligence or that this account is paid in full. I have contact with them several times by phone, email and written correspondence, only to be back at the same spot I was on day one. I would like this debt and all false reporting of late payments and derogatory reporting removed in full as promised. To this date this account is paid in full.
04/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OR 97080	Web
On or around XX/XX/XXXX a collections account appeared on my credit report. I did not know who this was r what it was for. The name listed was Contract Callers Inc. ( CCI ) I looked them up and called them on the phone. They informed me that the Original Creditor was XXXX. They said that the bill was from 2013 but could not tell me what the phone number was attached to the bill. I then explained to them that I have been a XXXX customer in good standing for over 15 years and that my monthly payments are automatically deducted from my bank account, and that this wasnt my bill. I questioned them as to how they could put this on my credit report without ever sending me a bill. They couldnt answer that question. The person I spoke said that they would send me out a form to dispute the bill. On XX/XX/XXXX I received a letter from CCI with a form included to file a fraud complainant with XXXX. I had never once said that fraud had been committed. I then took this information and went to XXXX and had them look up the account in question. They informed me that there was no record of the account other than that it was turned over to CCI. XXXX informed me that CCI had all of the documentation associated with the account in question. When I spoke with a representative at CCI they informed me that they had nothing either, just that they had bought the debt from somewhere. Since I got nowhere with CCI or XXXX I filed a dispute through all three credit reporting agencies. They all came back that the account was valid. I have never received anything from this company ( CCI ) no bills no statements nothing. I am at a loss as to how a company can put something on your credit report without validating the debt, even when I spoke with them on the phone they had nothing to establish that the debt was mine. I had a credit score of over 750 before they added this account, by adding this they dropped my score by 85 points which was very damaging to my credit. I am not sure how they can do that. I am hoping that by reaching out for help I can get this taken care of.
12/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78664	Web	Older American, Servicemember
On XX/XX/2020, I received a copy of my credit report and found a collection account listed on my credit report which I believe was an error. The account was being reported by Contract Callers Inc ( CCI ) Account # XXXX in the amount of {$490.00}. I send a certified letter on XX/XX/2020 to CCI requesting validation of the debt along with a copy of my driver license, social security card and utility statement for verification as to my identity. On XX/XX/2020, CCI responding to my validation and provided a billing statement for the amount of {$490.00} addressed to XXXX XXXX, XXXX XX/XX/XXXX, service address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since I've never resided at the address listed on the statement provided by CCI and the name on the statement is not mine. My name is XXXX XXXX XXXX. I send another certified letter to CCI dated XX/XX/2020, again requesting validation of debt and to provide documentation, i.e. contract, application, records of payment, delivery of addresses associated with the account, and signature on application of the account. On XX/XX/2020, CCI again just send another response same as before with the same copy of the previous statement. I send another certified letter on XX/XX/2020 to CCI advising them that I believed that they have violated my consumer rights in the following ways : -Failed to validate a debt at my request - FDCPA violation -Continued to report a disputed debt to the CRA - FCRA violation -Continued to attempt to collect a disputed debt - FDCPA violation -Ignored my cease and desist - FDCPA violation As of today, XX/XX/2020, CCI has not replied to my requested dated XX/XX/2020. On XX/XX/2020 I send another certified letter to CCI, again requested validation of debt and advising them that they have ignored my prior requests for validation of debt. As of today XX/XX/2020, CCI has fail to reply. On XX/XX/2020, I send my final letter to CCI advising them that despite my previous written requests, the unverified/unvalidated debt still remains on my credit report in violation of Federal Law.
04/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32812	Web
On XX/XX/XXXX, Contract Callers Inc was sent a letter pertaining to a debt that I do not believe is mine. I have left the state of XXXX XXXX and moved to XXXX in XXXX. Now, Im being told that I owe a debt for services used in XXXX and XXXX. I have a number of issues with this for the following reasons : Knowing how scrupulous XXXXXXXX XXXX XXXX is, having been a customer of theirs for a number of years, if I owed even {$1000.00} dollars, utility services would have been suspended and restored ONLY after the owed amount would have been paid. The owed amount would have never made it to reach $ XXXX that the Debt Collector ( Contract Callers Inc ) is claiming that I owe. Upon receiving my initial request letter sent to ( Contract Callers Inc ), they have yet to prove they have authority to collect said debt and/or that they purchased it from XXXX XXXX XXXX . I have not received any documentation from your agency validating the debt they are attempting to collect. Under the FDCPA, they are required to provide proof of the debt within five days of initial contact with me. As I have not received any such documentation, I have reason to believe that this debt is not valid. I have reason to believe that their agency is not licensed to collect debts in my state ( previously in XXXXcurrently in XXXX ), as required by law. Under 15 USC 1692e, debt collectors are prohibited from making any false, misleading, or deceptive statements in connection with the collection of a debt. By attempting to collect a debt in a state where their agency is not licensed, they are in violation of this law. As per, NMLS Consumer Access, they do not have licenses in XXXX and/or XXXX XXXX . My credit reports have been severely impacted by the misreporting of this debt collector and I am requesting to have ALL of the mis-reported information removed from ALL of my credit reports. I should not be getting alerts that my credit reports have been compromised with fraudulent debts that are not mine.
03/06/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX XXXXX	Web	Servicemember
I received an alert that a new collection was placed on my credit report for {$530.00} from a company called Contracts Callers Inc. also known as CCI out of XXXX Georgia. CCI is trying to collect a debt for the City of XXXX per my credit report. I have never heard of this company until today. My credit report states, " the collection was reported on XX/XX/XXXX as charge off/collection. '' First off, I have NOT lived in XXXX Texas since XX/XX/XXXX. To place this on my credit as of XXXX sounds like I just ended or breached a contract with the City of XXXX and failed to pay. Second, I have NOT received ANY correspondence from this company or company 's representative regarding this alleged debt by regular mail, certified mail or by telephone. Third, I have been married since XXXX and my last name is changed so I know for a fact that this company has NOT reached out to me regarding this alleged debt. I have lived in the same home and utilized the same mailing address since XXXX. It is real disheartened that companies can put inaccurate information on someone's credit report without giving the consumer a chance to dispute a collection properly or doing a due diligent search to notify someone. I am requesting from this company as outlined under the FDPCA 809 ( b ) validation of the debts with loan agreement/contract or promised to pay. In addition, I would like for CCI to provide the alleged correspondence that was mailed along with the address they have on file for me and what telephone number CCI called. Besides Texas has a statute of limitations on collecting debt which is four years. And I do not owe any alleged debt CCI has referenced on my credit report nor do I wish to do business with them. I will be sending a letter out to CCI today via certified mail. I am requesting that this negative and inaccurate information be removed from all three credit reporting agencies immediately.
05/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 795XX	Web
An alleged debt of {$770.00} continues to be reported on my consumer report despite proof that I did not personally open this account. I have shared with XXXX XXXXXXXX XXXX XXXX XXXX XXXX an FTC affidavit, police report, XXXX proofs of residency dated from XX/XX/XXXX through XX/XX/XXXX, an identity theft packet from the local sheriffs department that included a second affidavit, and XXXX still refused to remove this alleged debt and claims I am still responsible for the debt. My ex-boyfriend used my social security number and compromised my personal information to open up an XXXX account without my permission. He attempted to make payments in good faith, but due to the worldwide pandemic, he was unable to continue making payments. Thus, causing a derogatory mark on my personal consumer report. This went unnoticed until I starting receiving debt collector letters. I did not discover these charges until late XXXX in which I contacted XXXX for billing statements to unravel and self-investigate the alleged charges. XXXX XXXX XXXX, and XXXX from the collections department, have both interrogated me with FALSE ASSUMPTIONS. They refuse to provide me with the original agreement that shows my signature or any other proof that I entered into an agreement with them. I have called XXXX to resolve this over the phone with negative pushback and insensitive remarks accusing me that I owe this alleged debt. I have mailed PROOF to them that I never opened this account. I have requested billing statements, along with the original agreement and full accounting statements, but they refuse to provide me with details about this account. In addition, on XX/XX/XXXX, I sent a complaint letter to all XXXX credit bureaus ( XXXX, XXXX, XXXX ) explaining that FCRA 605B requires consumer reporting agencies to BLOCK fraudulent information within 4 days. I have given no one CONSENT to report this information.
03/03/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85040	Web
Contract Callers Inc was listed on my credit as a collection for XXXX XXXX XXXX XXXX XXXX XXXX, the local utility company. I contacted them to request the removal of this unfair accusation of owing {$550.00} to the utility company. I asked the agent I spoke with to provide proof that I owed the funds to XXXX. The agent refused and demanded payment in full. When I refused to pay a debt not owed and unverified as being owed, she ( CCInc 's collection agent ) threatened that their debt demand would stay on my credit forever and not be removed at all, if or until the full payment was made. I asked again for verification in writing and explained that no document or demand was ever sent in my name concerning the alluded to amount neither from XXXX or CCInc. The agent continued to refuse to send me proper notice of the demand. I have contacted Contract Callers several times over three years to request fair removal of the collection from my credit reporting on all three bureaus.They have refused and continue to update and maintain information that I have repeatedly asked them to verify as mine only to be steadily refused. I have been threatened with them maintaining this information without any attempt on their behalf to provide the correct documentation of the original agreement or debt and file verification.I have not been treated fairly under FCRA. In terms of Contract Callers Inc stating that they are simply collecting for XXXX, XXXX states that an account that was closed was purchased by CCInc. XXXX has never stated or sent demand for any monies owed by myself or any family member. CCInc collecting on behalf of XXXX has been a main reason stated for non-removal of the demanded debt. XXXX made it clear they do not use third parties to collect debt, but they in fact sell accounts to collection agencies. Contract Callers Inc is a collection agency that XXXX sells debt to.
02/23/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 787XX	Web
This company, which I hold no contract with nor have received services from, reported a collection account for a debt I do not owe. Never contacted me. Out of the blue I go an alert on my credit that I had a new collections account. I have gone through several car purchases, a new mortgage, and a refi over the past 7 years and this account never popped up. I have a clean credit report. Well, I DID until this company decided to come at me. The day I got the alert on my credit, I called them. They say it's from the City of XXXX from late XXXX, early XXXX. They say they had an old address on file and I never received any notices nor phone calls regarding this account until they just decided to report it. I asked them for details on it and they said I'd need to contact the City of XXXX to get details. I did, they also say it's for utilities from XX/XX/XXXX, at the address they were sending the notices to ... Thing is, I didn't live at that address in XX/XX/XXXX and the City of XXXX also did not to try and contact me either. Both Contract Callers and the City of XXXX have been completely rude to me. Contract callers say they did not get the debt notice in their office until XX/XX/XXXX, about 6 years after the alleged debt. They just now decided to list it on my credit report and try and collect on it without even notifying me or giving me a chance to resolve any alleged debt before listing it. As mentioned, I never received a notice or communication, not a letter, not a call, nothing. If they had provided me notice of the debt and given me the chance to validate the debt, I might of been able to validate and resolve any alleged debt before it reached my credit report. However, no one contacted me, just immediately decided to list it on my report for which I immediately called them about it the day I saw it. Completely unfair. Especially after so many years!
02/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 94941	Web
On XX/XX/2020 I received notice from Contract Callers, Inc ( CCI ) ( dated XX/XX/2020 ) stating that I owed a debt from a recently closed XXXX account. I had previously received a notice from XXXX that I was owed a credit on the account - so I called XXXX to find out what happened. I called XXXX and verified my XXXX balance ( with a credit ) and they stated that a statement and check was mailed to me earlier in the week -- and if I didn't receive it in a few days that I can go to a XXXX XXXX XXXX ( there is one near my house ) to get an updated statement balance /account history to verify that I had never been delinquent in payment. They also stated that they did not see any collection information in my account - and the woman I spoke to said that she had never heard of Contract Callers, Inc. I called Contract Callers Inc - and they confirmed via phone that my account had been sent to them in error by XXXX, that XXXX had " taken it back '' and I could disregard the letter. To ensure that I had covered all my bases, I asked to receive an updated statement balance from CCI stating that there was an error/XXXX balance or that my account with them was closed/returned to XXXX -- and they said that they could not do that. The two individuals I spoke with ( XXXX XXXX and XXXX XXXX ) both said that they were not able to do anything except collect balances and even though they could see my account information and share verbally what happened with the error and XXXX balance - they have no way to verify it with me in writing and suggested that I can take their word for it. It is worth noting that both individuals were professional and kind in our discussion - it just seems ridiculous that the company that they work for has policies that prevent them from helping customers resolve and document their accounts.
09/30/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 94124	Web
This compliant is against XXXX XXXX in XXXX Az. The address related to this debt is from XXXX XXXX. In XXXX, the landlord left the power in my name after the lease was terminated and I had already relocated to XXXX I was not aware of this debt existing until XXXX. At that time I filed a dispute, sending in copies of my lease and proof that I that prior lease on XXXX was terminated. XXXX took no action. In XXXX, I relocated back to XXXX only to find out that this was still on my credit and this was the beginning of this debt negatively effecting my ability to secure housing AND even my ability to have power. They refused to turn on power for me unless I PREPAID my power. Which I did. I had power for 3 months before getting evicted and forced to move back to XXXX in XX/XX/XXXX. At this time XXXX started falsely reporting by billing date on the original debt from XXXX they are manipulating laws around statute of limitation, to make it in their favor. the second issues is that they have sold this debt. Discharged it for a year. as you will see in the evidence. And have resold this debt to a new collector. I had my credit score improve 30+ point when this debt came off in XXXX. Now that it is back on my credit is below 500. I am not able to get approved AGAIN for housing because of this adverse effect on my credit. In my recent dispute against the new collector, CCI. They are still not able to provide chain of assignment or proof they can legally collect this debt, as it is required in Fair Debt Collection Practices Act, 15 U.S.C. 1692b ( 6 ) and 1692c ( b ), et seq. They even respond and say they will not sue me. but they will harm my credit as long as they can. Even with the fact that they are manipulating the dates of this debt to try and use statue of limitations that has long past.
01/07/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11355	Web
I was under the notion that if had paid my debt it would get removed off my credit report but never did. Never got back to me after 3 weeks. I had contacted Contract Callers because I had a collections with them from back in XX/XX/XXXX. I had paid the full amount of {$160.00} in XX/XX/XXXX. I was fully coerced and under the impression into believing that if I had paid the full amount this collections would get removed off my credit report because they had made me to believe my credit score would be negatively impacted which it has. Contract Callers is in violation of the Fair Debt Collection Practices Act ( FDCPA ) using deceptive practices to lie that if I paid my debt it would be removed and be improve my credit score. However, it was never removed and when I had called Contract Callers, the gentlemen on the phone said they would look into the phone call that was made and stated that Contract Callers does not remove collection items on the credit report. However, they will request to the credit bureau to remove the collections account based off the phone call so the representative on the phone said he'll call me within 24-48 hours. Its been 3 weeks and i have never gotten a phone call, letter, or email from Contract Callers even though all my information is fully updated in their system. I had to call back contract callers again during my work hours and was put on hold for another 30 minutes and realizing they were scamming me into paying my collections knowing full well they would not even improve my credit score by having it removed even though they said it would. I have tried to XXXX other complaints made against Contract Callers and there were literally 100 's of other different complaints against this company through other various agencies. This issue must be solved immediately!
02/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89121	Web
Contract Callers Inc on XX/XX/2020 sent me a response after disputing the debt {$500.00} account number XXXX saying that they have contacted me and that I confirmed the name and address listed on the account number XXXX original account number XXXX for the amount {$500.00} which is not true. I never confirmed this and have disputed this many times letting them know this is not my account. They asked in the letter that I attached a copy of as proof to provide a detailed explanation of the basis for the dispute which I have done and they still did not fix this issue. I also asked them for verification and proof that I owe this debt and as of XXXX they have not provided any legal documentation and proof, they only sent me a bill. I told them that I never lived at or received mail at the address in question. My name was not on the lease for the reported address and I never lived at the apartment they are billing me for I live in XXXX XXXX and this bill is for the state of XXXX IL at the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX. A address that is not on my credit report or consumer file or have been filed in my tax documents. These items Is severely hurting my credit report and now going against the 609 Fair Credit Reporting Act. I need this collection removed immediately off my Credit Report. I have contacted all parties XXXX, including the company that says this is my bill and have had no help in resolving this issue. This item is incorrect and being reported in error. This is not my address and has never been reported as my address. In my last complaint there response Was a Very long and generic response saying send them documentation and account numbers so I attached the requested documents they need to properly Find this account and resolve this issue.
12/10/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	DC 20002	Web
XXXX XXXX sent an account to collections after sending the bill to the wrong address and failing to notify me. I own a rental property in XXXX, XXXX. I signed a Landlord Agreement stating that XXXX XXXX can send bills to me when a tenant moves out ( to avoid service interruptions ). At the time I signed the Landlord Agreement in XXXX, I was living in XXXX, and requested the bills go to that address. I moved to XXXX XXXX in XX/XX/XXXX. According to XXXX 's records, I called in XX/XX/XXXX notifying XXXX a tenant was leaving the rental property and asked that the bill be sent to XXXX XXXX. Nonetheless, XXXX sent the bill to XXXX. I never received notice of the bill and XXXX ultimately sent it to collections in XX/XX/XXXX. No attempts were made to reach me at the email address and cell phone number I listed on the Landlord Agreement ; I only learned of the bill when I received an email stating there was a change to my credit report ( I still have never received a copy of the bill ). I immediately contacted the collection agency and paid off the bill, but I still have a negative mark on my credit report for the account being sent to collections, which has dropped my credit score ( it doesn't matter that the account was paid because it was reported that it was sent to collections ). I have repeatedly contacted XXXX, the collections agency ( Contract Callers ), and the credit reporting agencies seeking to have any mention of the debt collection removed from my credit history because I never received the bill. In sum, despite my call asking that any bills be sent to XXXX XXXX, XXXX sent the bill to XXXX. I am seeking to have any mention of this debt collection removed from my credit history because I never received the bill.
05/11/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85119	Web
InXX/XX/XXXX I learned of Contract Callers, a collection agency reporting on my credit report for a past due bill owed to XXXX XXXX XXXX ( XXXX ) in XXXX Arizona of {$260.00}. I contacted Contract Callers on XX/XX/XXXX and was informed that Contract Callers had just acquired my file from XXXX in XX/XX/XXXX ; the contrary said to Contract Caller 's reporting on my credit report as of XX/XX/XXXX. The same day ( XX/XX/XXXX), I made an initial payment, followed by two subsequent payment arrangements for XX/XX/XXXX, and XX/XX/XXXX to bring the balance of XXXX to current ; to which I fulfilled the payment agreement. I contacted Contract Callers towards the end of XX/XX/XXXX to request in good will my account be removed from the credit report as I knew the account to be older than seven years from date of first delinquency on XX/XX/XXXX, Contract Callers refused to remove the collections account from my credit report. On or around XX/XX/XXXX I felt I had recourse through XXXX by filing an online dispute requesting Contract Callers be removed and/or deleted from my credit report for failing to report accurate account information. To which XXXX failed to perform a thorough investigation or else they would have discovered Contract Caller 's re-aging the collection account open date of delinquency to XX/XX/XXXX to enable Contract Callers negative reporting, thus continuing to affect my credit buy malicious oppression. As of current date, Contract Callers continues to report this negative collection account on my credit report and any attempt to seek relief of an investigation by XXXX, they are of no avail in simply asking Contract Caller 's " to certify '' they are accurately reporting/providing XXXX with true information.
10/30/2019	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AZ 85016	Web
This company ( Contract Callers INC ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Arizona Department of Financial Institutions ( AZDFI ) is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
07/16/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 17109	Web
Back in XX/XX/XXXX my mother put XXXX bill in my name I never knew that she did this until XX/XX/XXXX I went to apply for a credit card and was denied due to my credit score I asked for a copy of my credit report this is when I notice that their was a XXXX bill for XXXX I called XXXX to find out an address of service that was given to me as XXXX XXXX XXXX XXXX XXXX pa XXXX this address belonged to my mother after speaking with XXXX I also called the collection agency contract callers inc after speaking with the collection agency they mailed me fraud paperwork which I filled out and mailed back with a copy of my photo I'd a dispute letter my lease from where I lived at the time service was opened and my lease from my current landlord also I filed a police report with XXXX police department incident number XXXX I have been dealing with XXXX and contract callers back and forth and nothing has been done I did my part I even did a dispute with both XXXX and XXXX and again nothing has been done all I want is for this to be corrected and taken off my credit report I also want to put out there before my mother passed away XX/XX/XXXX my mother reached out to XXXX and contract callers inc to set up a payment agreement but her payment was denied from XXXX due to the account was already sent to collection agency she then reached out to contact caller inc to talk to them about payment arrangements and they would not speak to her due to she said she was my mother now both XXXX and contract callers inc have her on tape admitting that this account was hers not mine I don't know what to do anymore to me it feels like no one wants to help me get this off my credit report I'm hoping that you can help me
12/24/2020	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 30101	Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
03/31/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 949XX	Web
Contract Callers Inc. sent me a notice saying I owed {$420.00} from an old XXXX bill dating back to XX/XX/XXXX when the account was closed. The most recent communication from them was from XXXX XXXX. I checked with XXXX last week and and they informed me I only owed {$70.00} which I promptly paid ( XXXX See attached ). I guess this was left over from closing the account. I DID originally, on XX/XX/XXXX receive a bill from XXXX for this same account ( see attached ) for {$420.00}, but this was before they credited me for returned/reused equipment and was 6 months ago. CCI insists that I still owe XXXX {$350.00} even though I have confirmed with them that I have a XXXX balance. I am trying to get a new copy of the balance now owed from XXXX, but they are overwhelmed with COvid-19 concerns. I finally got a rep on XXXX to investigate today but she won't get an answer until tomorrow. I can not just pull up the bill because the account is now closed. CCI has ruined my credit by reporting to the credit bureaus that I still owe {$420.00} and my score has dropped dramatically. I am suffering financial hardship from COVID-19 as my job has disappeared pretty much and I need my credit rating back. I tried calling CCI today but they insisted I was wrong. Evidently, they have a bad track record for doing this. Please help me get this removed from the credit bureaus. I was also the victim of identity theft with the XXXX Breach in XXXX and I have worked very hard to clean up the mess that caused. I also paid over {$1000.00} to have my credit repaired and now its ruined over a mistake. Thank you so much for helping me. I really appreciate it.
03/10/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60438	Web	Servicemember
This collection has been repeatedly reported to my credit file.This is the third company to buy this account and report it..I have formerly filed a complaint with the CFPB about this account when it was owned by another collection agency and it was successfully removed twice before ... It was deemed a " frivolous '' collection by XXXX on XX/XX/2020 after being investigated ... Neither former owner of this collection has been able to legally validate this debt as belonging to me ... Furthermore, Contract Callers Inc. never issued me written notification of any kind to inform me of an attempt to collect this debt before reporting this collection to two of the three major credit reporting agencies. I find it reprehensible that I have to constantly defend myself against a debt that does not belong to me and keeps getting passed from one collection agency to another and being reported to my credit file to the detriment of my credit rating ... I have also file disputes with the bureau 's with the grievance of this being a violation of the Fair Credit Reporting Act as a frivolous account ... I ask that the CFPB respectfully investigate this issue.The Fair Debt Collection Practices Act does not give this company or any collection agency the authority to force me to consent to contract with them. This company has not shown me their lawful authority to enforce an alleged debt claim against me to my detriment without my consent. Furthermore, This company is in violation of the Fair Debt Collection Practices Act by the use of misleading representations and unfair and deceptive practices in the attempted collection of a debt.
06/19/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 93309	Web
Hi. I want you to know I've never filed a complaint before. I'm really nervous because I don't want to get someone in trouble but I really need your help. I'm trying to get approved for a home loan and I am very close but there seems to be 1 thing holding me back. There is a collection on my credit report that is for XXXX. I don't remember owing XXXX any money but its on my credit report. When I found out, my husband called Contract Callers to see if we can just pay it and have it removed from my credit report. Contract Callers is who has the account on the report. Contract Callers told my husband no because they don't do pay for deletions as a company policy. I understand if that's their policy but its really hurting me to get this home. What really bothers me however is how they told my husband they don't have my address and they don't have my phone number. They even said they haven't spoken with us before. I don't understand how someone can hurt someone else 's credit without even trying to tell them money is owed. Or at the very least, confirming and making sure they have the right person before they begin causing this person harm. I'm desperate. I really need to buy a house and the only way I can get approved is by having this account removed from my credit report. Simply paying it won't do me any good. Can you help me convince Contract Callers to remove this from my report if I pay them? As I stated before, I never knew about this account until a lender pulled my report recently. It's not fair for me to have something hurting my credit when I wasn't even given a chance to pay in the first place.
10/13/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70817	Web	Servicemember
I conducted a serious of disputes regarding suspicious negative items on my credit report in XXXX and the items pertinent to the disputes were deleted. I distinctly remember a fraudulent charge under {$200.00} that was attributed to an address at which I did not reside-one XXXX XXXX at XXXX, TX. Incidentally, following the resolution of the dispute, a department at the XXXX of XXXX referred the " deleted debt '' to an agency called " XXXX XXXX XXXX '' The item was already deleted as the dispute demonstrated that the debt was unfounded and not mine, yet it is being reported once more. I contacted Contract Callers Inc and spoke with a XXXX XXXX, who stated explicitly to me that the company is unable to suspend the account on-file with their office to begin an investigation of sorts to get this matter resolved without obtaining my address to provide me a fraud packet. As I understand it, despite what she said to me, a police report is not needed to move forward with such claims, nor is a company obligated to use a 'fraud packet ' as the sole basis for an identity theft investigation. It was an aggression and deceit that which the collections representative XXXX XXXX employed to obtain personal information from me despite the fact that as a victim of identity theft, I did not feel comfortable giving a company unknown information after already having to use my SSN as self-verification. The information she provided regarding the procedure is untrue just as much as the company is wrong for seeking the fraudulent debt that which has already been permanently removed from consumer reporting agencies.
03/08/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 441XX	Web
This is regarding the XXXX XXXX XXXX and subsequently a debt collection agency called Contract Callers , Inc. I vacated my apartment in XX/XX/2021. The account was marked as satisfactory and closed as of XX/XX/2021. My electric account statement shows that all my balance was paid in full. However, a couple of weeks ago, I check my credit report and see that a debt collection agency has reported me for not paying my electric bill. I have always paid my bill on time through autopay. Neither the electric company, nor the debt collection agency made any attempt to contact me via email or phone even though they have all my information with them. Upon contacting the energy company, I was told that I had a pending bill. When I told them my account number and informed them that the pending balance is {$0.00} and the balance is paid is full, they tell me that you won't see the last balance because your account was closed, but you have {$170.00} pending. How am I supposed to know that there is any pending balance when I check my account summary and it say paid in full. When I asked them this question, they say that you were sent an email, but I have no email records from the company. I've been trying to get in touch with someone to help me out with this issue, but no one is helpful. This is reflecting on my credit report now, and neither the electric company nor the debt collection agency are willing to help. I want to reiterate that no attempt was made to get in touch with me for close to a year either by email or phone.
07/17/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85008	Web
I received a letter dated XXXX / XXXX /2017 from CCI Contract Callers Inc. regarding referenced account XXXX . However upon calling into the organization regarding this supposedly ( unpaid debt ) I came to find out this is a fraudulent claim after speaking with representative XXXX on XXXX / XXXX /2017 XXXX XXXX Arizona time. After reviewing online regarding ( XXXX XXXX ) the supposedly original account holder. This has been reported to various other organizations as a scam with thousands of other people receiving a letter from a debt collection agency for the SAME exact amount. XXXX XXXX has neither direct website nor phone number to contact the company itself. If you XXXX XXXX XXXX you will find the other thousands of complaints and reports of this fraudulent debt. We have never done business with this organization nor EVER ordered from this ( fake & fraudulent ) company. Having said all of this we are asking and hoping CFBP and assist us with getting this corrected. Per XXXX we are to mail a letter to them stating this is fraud. However we want to make sure this company processes this in the correct manner. We also want CFBP to know of this as it happening to thousands of other hard working Americans. The letter mailed to me has been attached for review and to make it easier to contact this particular collection agency. I have covered my personal info ( Name and address ) for protection purposes. The file number XXXX will pull the account with their institution.
01/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	VA 228XX	Web
Received a phone call from the number ( XXXX ) XXXX at XXXX on XXXX/XXXX/2016. I answered knowing this number was a debt collector that I tried to reach yesterday with my confirmation number showing that I had paid my bill. Yesterday after waiting on hold for 15 minutes I hung up waiting for them to call in the morning ( which they did every morning 6 times since XXXX/XXXX/2016 ) I was greeted by someone who was clearly out of sorts and was arguing my name. I told him that my name was XXXX XXXX not XXXX, after that was cleared up I was transferred to another male. He told me the reason he was calling and I told him that I tried to call back yesterday to give them the information but was put on hold for so long that I waited for their call today. I was not yet at my office to give him the confirmation number. He went on to describe how the money could take up to 30 days to transfer to them. I told him that 's fine but he could take me off the list. This seemed to catch his attitude ( rude ) He stated with a very snide tone " no '' ending with " I hope this does n't have any affect on your credit. '' To me that seemed like a threat. I understand that they have a job to collect, however there is no need to be rude or threating. I asked him his name and extension followed by the name of his manager. He mumbled a name and the number quickly. I asked him to please repeat that. Then he wanted to know why I wanted that information? I told him I did not appreciate his tone. He then went on the defense.
07/31/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NJ 076XX	Web
Attempting to collect an alleged {$840.00} public utilities bill which was from the COVID-19 National Emergency Declaration and the state of New Jersey Declaration . The debt was handled by the LIHEAP and was assigned a case number and processing info. The amount claimed was declared under the COVID-19 emergency and was NOT owed based on COVID-19 laws as well as communications which was sent to the utility company directly. No communication was made with CCI Contract Callers Inc., an independent third-party company that purports itself to collect debt for XXXX. No written communication was sent by CCI confirming their ownership of this debt as XXXX generally handles collections internally and will contact consumers first, but none of the above was done. CCI has attached itself to credit profiles and has added Grid Codes to the credit files in question and has not satisfied, in accordance with, the FDCPA and/or the FCRA their right to take such action which is a violation of both FDCPA and FCRA. CCI is not known to have conducted any business with me directly and is unknown. The debt in question falls within the protected COVID-19 emergency and extended emergency period within the State of New Jersey and is, therefore, exempt from collection efforts as it was assigned to LIHEAP. CCI has many complaints for incorrect collection practices and is NOT an honest company as they are delinquent in paying their bills including employees which is a violation of State and Federal regulations.
12/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MN 554XX	Web
On XX/XX/XXXX I was alerted by XXXX that there is an open collection against me because it wasn't paid as agreed. The Collection agency is Contract Callers, INC with address XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX. This is the phone number reported on my XXXX report. I have tried to call this number and its not working, I called XXXX ( Original Creditor name ), they provided an different agency name. I called them again today ( XX/XX/2018 ) and after I told them the name of the agency reported on credit report ( they are the one should provide the agency name, not me ) they provided the Contract Callers phone number, different than the phone number I have on my credit report. When I called the Phone number I was provided from XXXX ( XXXX ), the agency couldn't find any record. I gave them My name, address, birthdate and the last 4 digits of my social and they couldn't find any record. At that point with the conflicting information I received from XXXX, XXXX and the fact that I found about an paid amount from my credit report, I was suspicious of giving the collection agency my full Social Security Number. I have not seen their privacy policy nor a consent that they will not sell or miss use my information. For these reasons, I refuse to share my full Social Security Number. I shouldn't be treated and giving wrong information. The information reported to XXXX is inaccurate including their phone number. This is hurting my credit and my financial wellbeing.
09/26/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30039	Web
I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
08/11/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WA 99223	Web
I received a letter in the mail from a company called CCI ( Contract Callers Inc. ) on XX/XX/XXXX stating that I owe {$130.00} from a default consumer. I did not owe anyone any money and I have great credit ratings in the XXXX 's. I called this company and they said that I owe a company called XXXX XXXX the money for not paying them. I advised that I do not owe them and it was a scam and they were trying to commit fraud. CCI did not check the source of the company they were trying to collect for and I believe may be involved in the scam or fraud. They told me I had to write them in order to dispute the matter. I wrote them XX/XX/XXXX disputing such amount owed for I never received goods from this company. The sent me a letter back on XX/XX/XXXX stating I needed to fill out identity theft paperwork asking for all my personal information. I in return sent a letter back to them on XX/XX/XXXX stating it was not identity theft but a scam and fraud and to check into the company that they are collecting for. I then received a call from CCI threating me to send this to my credit report which was already done and in so hurt my credit rating lowering it to XXXX. I did some digging into XXXX XXXX and within the last 6 months they have done this to multiple people. They do this to commit fraud, hurt your credit, and collection agencies go along with it. This is not fair to anyone of those people including myself and they should be prosecuted for fraud.
03/07/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92110	Web
I was contacted by " XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX, WA XXXX I was told the had a debit for a previous account I had, they asked me if I wanted a settlement. I paid from my debit card on XX/XX/2016 and the funds were taken from my account. It was removed from my credit report. More then a year later I received a piece of mail from Contract Callers try to collect on the same account. I immediately called them and told them about XXXX and the settlement. They told me they would look into it in contact me. I got on the phone and contacted XXXX and I was told they were going to have to pull the voice recordings from 2016. I was to be contacted, I did not hear back I called back 25 times! Manager to manager excuse after excuse the files were stored in a separate location they had to submit to get the audio file. I ask my bank to revoke the transaction of settlement from them because it was obvious they had taken by money and they weren't consered with helping. Unfortunately it had been over 6 months, and the funds couldn't be pulled back. There was previously a reslease and XXXX and XXXX amount on the closed account on my credit report. Today after I have spent a lot of time energy a money to XXXX out everything on my credit report Contact Callers is still Harassing me and trying to collect on something that's been paid for over 2 years! Now it's on my credit report and I'm freaking out. Despretly need addvise, please help me!
09/07/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19002	Web
Contract Callers Inc Account # : Unknown Amount : {$2100.00} To Collection Manager : This letter is to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I would like to see the contract/agreement and any other supporting document you may have that I have willingly entered into any sort of agreement with CONTRACT CALLERS INC ( CCI ) and if or where I agreed to have business with you or paperwork contracted for myself, XXXX XXXX XXXX XXXX XXXX XXXX. I have made several attempts to reach your organization without resolve as each time because I am asked personal information which I do not feel obligated to give out to your representatives as I have no knowledge of being contracted to you in any way. Bills, and any statements that are originated from a secondary part are not considered validation of debt to you. Unless XXXX XXXX XXXX can provide proper validation as recognized in FCRA 15 U.S. Code 1692g ALL reported information regarding this account must be deleted from ALL credit reporting agencies immediately following receipt of this letter as specified above. Thank you for your time. XXXX XXXX
12/02/2021	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NM 871XX	Web	Servicemember
Last year ( XXXX ) I moved and turned off my electric service with XXXX XXXX. After receiving my confirmation email that my service had been turned off, I received no further communications from XXXX no emails, no phone calls, and no letters in the mail. So imagine my surprise when I received a notice from a credit reporting agency that I had an outstanding XXXX bill that had been sent to collections! I have now paid the bill ( {$100.00}, through the collections agency Contract Callers Inc., on XX/XX/XXXX ), but there is no telling how long it will take for the collection account to come off my credit report, if at all. When I called XXXX, all the representative could say was that they send final bills through the mail, which in my case was apparently not true. While I was a XXXX customer, I always paid on time, and it is infuriating to me that they would send me to collections without ever notifying me, through any form of communication, that I had an outstanding bill. This feels like the action of a scummy company, not a major utility, and frankly I have to wonder if there are any kickback deals happening between XXXX staff and the collections agency. I also never received a notification of the debt from the collections agency, but this could be because I had moved again from the address I provided XXXX for my final bill. If they did not receive my account until after my mail forwarding had ended, they had no way to contact me.
06/23/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 238XX	Web
This company has violated my basic consumer rights. I have requested them to validate this account and all requested documents be sent to my correct and current address which is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and other addresses used is false and not accurate. under 15 U.S.C 1692g and 15 U.S.C 1692c. You are to seize any and all reporting activities to any consumer reporting agencies until this account can be XXXX XXXX validated. I am requesting all documents, including purchase agreement between this company, and the original creditor authorizing the ability to collect on this account, the entire payment history from since this account was established, a full breakdown on how this amount was calculated included in balance and interest fees, proof that you are license to collect and practice in my state of Virginia, original contract, payoff disclosure, agreement, bearing my signature. Also pursuant to FCRA any information reporting on a consumer report must be XXXX XXXX accurate, XXXX XXXX verifiable, and XXXX XXXX complete this account does not meet FCRA requirements for reporting they have yet to fully validate or provide all requested documents for validation, but continue to report this account on my consumer report. By sending just a statement does not satisfy the validation request I am requesting specific documents, and all documents must be received in order to fully validate this account.
03/04/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 304XX	Web
I am contacting you again in regards to a bill from XXXX that I have already had removed from my credit report once due to the collection agency not being able to validate the date and yet again this same account ( from XXXX ) has resurfaced by being placed on all 3 of my credit reports again claiming that I owe this debt from a collection agency called Contract Callers, Inc.I requested validation of the debt prior to this collection company putting this debt on my credit report however, I did not received that validation. Now finally this collection agency Contract Callers, INC have finally sent a copy of a bill that they say is a validation that I own and owe this debt yet the information they sent does not have my name, it has no information as to my DOB, Social Security number, etc. with what was sent this is not a validation of the debt that they claim that I owe to them. Like before I am requesting that this debt be DELETED from all three of my credit reports and not be allowed to be placed back on my reports due to the fact that not once but twice now the original creditor XXXX has not been able to provide adequate validation to prove that this account is mine yet they constantly keep reselling this debt to different collection companies who can not validate the debt yet they are placing it on my credit reports anyway thus ruining my credit as fast as I can try to restore it.
02/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TN 37064	Web
I have been called numerous times a day for over 2 months from XXXX Callers on my work cell phone. They would not tell me what it was regards to until XXXX/XXXX/15. Before this date, they would only tell me they were collecting a debt for {$43.00}. I have spoke with them on countless occasions and asked to please send me information in the mail in regards to this and I would be happy to pay it ( if it was legit. ) They told me on many occasion they would send me something in the mail. After being told this over a two week period of numerous calls, I finally asked to please stop calling if they were not going to send me anything in the mail. They continue to call and have become very rude and harassing. Tonight I was harassed by an employee by the name of XXXX. I tried to nicely tell him to send me something in the mail. I stated they sent something in XXXX and " there is no point to send anything else because I obviously do not pay me bills. '' He also stated I " should have paid my debts and he would not have to call me. '' When I asked to speak to his supervisor he told me '' NO, you are going to stop talking and listen to him! '' He would not give me his information until I argued with him for over 5 minutes. I finally was transferred to his supervisor, I explained the situation and she told me my number would be removed from their call list.
02/26/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX XXXXX	Web
I only first learned of this debt of XX/XX/XXXX when I was notified this collection hit my credit report. I immediately sent a certified letter requesting verification of the debt and information on it as I had never heard of Contract Callers before. I followed up with a phone call the following day in which I disputed the debt once again and requested verification of the debt. Especially as it was being reported as a new debt with a date of XX/XX/XXXX, when in fact I learned after speaking with them the original date of delinquency for this account with the city of XXXX was close to 8 years prior. Furthermore, at the time I did not live in XXXX, nor did I have an active account with the city of XXXX. Even worse, years after this debt was past due I opened a new account with the city of XXXX without any trouble or notice from them at all. At this time were given my most current address, to which I have yet to receive a single shred of notification or verification of this debt. Even worse, Contract Callers has repeatedly violated the FCRA by continually reporting and flagging this account as a collection on my credit reports. Not only have they reported the same debt more than once, they have failed to include that the debt is under dispute or provide me with any notice of my rights, notice or verification of this supposed debt.
01/02/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 100XX	Web
A collection company by the name of Contract Callers , Inc. just added a {$57.00} debt to my credit files recently which falsely dropped my fico score by 24 points. I do not believe the debt is correct, and the account in question was closed in XXXX as the house was sold. I have not owned or rented an property that I had to have any type of water account in my name since then. I also never received any notice of this debt prior to now ( it showing up on my reports ) ... no letter, no phone calls, no anything. If i had received anything, I would have been able to properly deal with it. One issue may be that an address listed on my credit file was incorrect, which I have notified all three major credit bureaus about by letter recently. It is also illegal for this to appear on my credit files due to the age of this debt. The date of the 1st late payment on this XXXX XXXX account was well over ten years ago. Contract callers is illegally stating a newer date on my credit files falsely in order to illegally report the debt on my files. I have written to all credit bureaus and to this debt collector as well in an attempt to solve the matter as well. Main issue is that Contract Callers put this very old debt on my credit files with a new date opened of XX/XX/XXXX. That is illegal as the date of 1st del was over ten yrs ago.
06/12/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ XXXXX	Web
XXXX XXXX Regulated does not have license to practice / collect in Arizona where i reside. XXXX XXXX claims I have an outstanding electric bill. On XXXX XXXX I received a letter from Contract Callers Inc or CCI concerning the XXXX account. I sent a letter to dispute to Contract Callers requesting a validation or verification of the bill. On XXXX XXXX i saw XXXX XXXX put a collection on my credit report. I called Contract Callers on XXXX XXXX . Spoke w/ XXXX . They told me, that received the bill on XXXX XXXX from XXXX and they sent me a letter on XXXX XXXX . They told me they had received my dispute ; and noted to me that XXXX Reported the collection on my report. I asked to speak to a supervisor and was told the Supervisor XXXX didnt want to speak to me. supervisor XXXX ext XXXX . I called XXXX XXXX and asked to be connected to the Collection department. I was transferred again to Contract Callers. XXXX XXXX NOR Contrac t has followed the process of the Fair Credit Reporting Act. I am by law allowed 30 days to dispute. The notice i got from Contract Callers was received on XXXX XXXX . I responded to the company prior to the 30 day limit. XXXX and/or Contract Callers have violated the law.
01/17/2023	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	IL 60540	Web
On XX/XX/XXXX I received a random phone call from a stranger asking me to verify my identity. I obviously would not volunteer this information in the day and age of identity theft and scam artists. When the caller refused to answer any of my specific questions about who they were and what they were calling about, i told them I would not verify my identity and to never call me again. On XX/XX/XXXX I got a notification from XXXX XXXX XXXX that a negative major deragatory event had hit my XXXX XXXX. When I reviewed it, it was from a company called Contract Callers Inc who i've never heard of. I then learned that in order for a debt collector to report your debt to the credit agency they have to satisfy XXXX of the following : Before a debt collector can report your debt to a credit reporting company, the debt collector must do any XXXX of the following : XXXX ) Speak with you in person about the debt, XXXX ) Speak with you by telephone about the debt, XXXX ) Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or XXXX ) Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. NONE of these steps were followed.
06/23/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30214	Web
Back in XXXX of XXXX, I was contacted by another collection agency, who stated to me that a debt was placed with them by a company called XXXX XXXX. After working with them to gather information it was discovered that the account was placed with them in error and that they had the wrong individual. Upon further investigation, I was told that XXXX XXXX had placed another account with them and also placed an account with a company called " contract callers '' I contacted this company, and I advised them prior to them reporting to the credit bureaus, THIS IS NOT MY ACCOUNT, they reported the account anyway as an open account on my credit report. I was NEVER contacted by this company and given the opportunity to dispute prior to their reporting. Since contacting them, they still have not provided me with documentation validating this debt. According to this XXXX XXXX XXXX, they require a valid state-issued ID and a copy of a lease to establish service, I have requested this so that I may continue my own investigation of the account. Contract Callers should NOT report this under my credit report without validating this debt. I will not give them any additional time to validate this debt, other than what the law allows. And I will only communicate by email or written letter.
01/11/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30296	Web
On XX/XX/2016, this debt for {$410.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
05/28/2015	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	CA 95834	Web
On XXXX XXXX, 2015 at XXXX, I received a phone call from a woman stating she was from Contract Caller 's, Inc at phone number XXXX. I asked her what the call was regarding and she kept insisting I verify my address and social before she gave me any info. I hung up on her and called the number back a few minutes later. The male that answered my call asked me if my name was XXXX and I said yes -- and asked him what these calls were in reference to and what type of business was it I was calling. He refused to answer my questions and kept pressuring me for personal information. I asked him several times what type of business it was that he worked and he was dismissive with me and refused to answer my question. Finally, he said it was " personal business ''. I repeatedly asked him what the call was in reference to and he just laughed at me and did n't provide the information I requested. I again hung up the phone after he refused to identify himself or the business he was working for. I found out that the number they were calling from is a debt collection agency and am filing a complaint for not identifying themselves, using threatening tones and language with me, and not identifying that they are in fact debt collectors trying to collect a debt that I do not owe.
08/25/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60189	Web
Contract Callers, Inc. XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX : ( XXXX ) XXXX I lived in XXXX, KY and was a XXXX XXXX XXXX customer between XX/XX/XXXX and XX/XX/XXXX. I missed my final bill payment with XXXX XXXX XXXX and didnt know about it until XX/XX/XXXX. As of XX/XX/XXXX the account was paid in full and closed. Contract Callers, Inc reported me on my credit report which adversely impacted my score, and they are refusing to remove this from report with out a reason. I tried to explain to them this was the only thing affecting negatively on my report, otherwise i have a very good credit and it is hurting my chances of a getting a loan. A single utility bill should not affect my credit score by more than 90 points!!! The lady on the phone from Contract Callers Inc, was either being untruthful or not well trained of not telling me about the option of issuing a letter to the credit bureaus about the nature of this reporting. This can make a difference on my credit report, but either she was unaware or just did not care for whatever reason it might be. " Company Policy '' or " Contractual Obligations '' do not matter when the account is closed and paid off. I was refused to get a copy of these policies and contract obligations from Contract Callers.
03/16/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	GA 30331	Web
In mid to late XX/XX/XXXX, Contract Callers, Inc. phoned my home on two to three times, first asking for me by name and I confirmed my name to them. Then they asked me to verify my address. I asked who was calling and why was my address necessary. They refused to give me any information or identify themselves ; instead stated that they could not say why they were calling until I gave them my home address. I refused and hung up the telephone each time. In XX/XX/XXXX, I discovered that Contract Callers, Inc. had placed an alleged debt on my credit report on XX/XX/XXXX. I never received a letter to dispute or confirm this alleged debt in the mail. In XX/XX/XXXX, in an attempt to settle this violation, I sent a letter notifying Contract Callers , Inc. that a complaint would be filed against it for violations of the FDCPA and FCRA if we could not negotiate some type settlement. An attorney for the company responded by saying that there are no violations, ( copy attch ) with a convenient copy of a debt notification letter to me dated XX/XX/XXXX, a date of two days after the debt was reported by Contract Callers , Inc. on my credit report. I have found that this company has a pattern of this type of practice with numerous complaints posted on the internet.
10/09/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MA 01602	Web
RECEIVED FOLLOWING 3 BUREAU CREDIT REPORT MONITORING ALERT. I Called Contract callers and advised the following : 1. They ( Contract Callers ) received a referral from XXXX XXXX in XXXX Illinois of a XX/XX/XXXXbill/balance due of {$54.00}. Contract Callers had sent a letter to my attention at an address in XXXX, Illinois and it was returned. I reside in Massachusetts. Contract Callers then placed a Collection Notice on my credit report. I was told to contact the Fraud Bureau of XXXX XXXX and Contract Callers could not resolve this. I had made contact with the utility company back in XX/XX/XXXX and had previously reported with all agencies of my identity being stolen. I had filed a report with my local ( XXXX, MA Police department as well as XXXX, Illinois Police Department. This has yet to have been resolved after 2 years of continued issue. XXXX - NewTrade Alert Date XX/XX/XXXX Alert Type New Account AccountNumber XXXX Creditor Name CONTRACT CALLERS INC Industry Type Other Collection Agencies Address CONTRACT CALLERS INC. CCI XXXX XXXX XXXX XXXX XXXX XXXX XXXX City XXXX Zip XXXX State GA Phone N/A Amount Delinquent N/A Account Balance 54 Payment Status Collection/Chargeoff Creditor Preferred Contact Other Consumer Statement Placed for collection
02/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 604XX	Web
I ran my credit report because I am trying to refinance my house. I noticed this report on my credit that I had no idea what it was. I researched ( Googled ) Contract Callers ( supposed collection agency for a company called XXXX XXXX ) because on my credit report there is the wrong phone # ( XXXX is not the phone # ). After finding the correct phone # on XXXX ( XXXX ) I called on XX/XX/22 and talked to a woman named XXXX XXXX XXXX 's. The first phone call she gave me a possible fraud address and said that this was in collections under my SS #. The possible fraud address she gave me is, XXXX Trellis XXXX XXXX XXXX XXXX XXXX XXXX GA. The 2nd time I called Contract Caller 's ( on XX/XX/22 ) around XXXX p.m. XXXX, I was at the XXXX XXXX XXXX XXXX XXXX waiting for an officer to take my report on this fraud and she ( XXXX XXXX XXXX said that she has no record of me talking to her and that nothing is showing under my ss # for " Contract Callers ''. I am completely baffled as i don't know if " Contract Callers is the Fraud problem or this XXXX XXXX XXXX is. I don't know what to do as I have no idea who these company 's are and never had anything to do with them. I have made a police report with the XXXX XXXX XXXX, XXXX # XXXX phone # XXXX
08/08/2018	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 44125	Web
I checked my credit report XX/XX/2018 and saw CCI was on my credit report for {$550.00} for a XXXX XXXX bill. I still have XXXX XXXX so i immesiately called them and I was told it must be some mistake because my services from my old address were transfered to my new address so There should be no past bill of XXXX. The XXXX XXXX employee told me that my fonal bill from the old address was XXXX and was paid. I called CCI and explained they must have me mixed with with someone else and that I never recieved any notice of a debt from them and was not told in writing of any XXXX, I simply found it on my credit years later and It cant be true. I was met with hostility and I was told It was mine. I explained why did I never receive anything from Cci at all and she didnt answer me. I called XXXX XXXX again and they emailed me a final bill and said it must be a mistake but she apologized for XXXX XXXX having the old address and she said i dont think we sent the old bill to the new house even though we had that info because we switched services over. She said I must have paid the XXXX during the " transer over '' process because It was sent to the old address. i called CCI again and they refused to explain why I was never told of debt.
09/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 37160	Web
I paid a debt with Contract Callers in XX/XX/XXXX of {$350.00}, receiving their cheerful verbal commitment to remove the aged debt from my report, as we were approaching the seven year mark, and I paid in full without requesting settlement. Contract Callers did not remove the item, and continues to incorrectly report the opening date on the file. I filed a dispute with all three credit bureaus in XX/XX/XXXX In their response to the dispute, they confirmed that the opening date was XX/XX/XXXX. I called XXXX on XX/XX/XXXX and the representative confirmed the final bill date from the original creditor was XX/XX/XXXX. She escalated concern to their compliance office and committed to have this removed by XX/XX/XXXX. I called the original creditor and received documentation confirming the date of the original debt as XX/XX/XXXX. Contract Callers is not following through on verbal commitments, and is not researching disputes closely enough to verify the origin date. ( They acquired the collection account in 2017 and were not through enough to verify the credit dispute correctly. ) This entry on my credit report is causing me financial harm, and preventing me from getting loans or credit at rates appropriate to my credit history.
05/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60640	Web
I am a victim of identity theft. It was brought to my attention back in XX/XX/2023 that a collection account from contract callers was reporting an account from XXXX an XXXX company. I notified the company that it did not belong to me and that it was a fraudulent. I went to the police station to file a police report because I was concerned that my identity was stolen. I also contacted all 3 credit report companies to put a freeze and fraud alert. I took all the necessary steps the collection agency and original debt company needed me to do. It was then removed off of my report, a few weeks later it was placed back on my report! This has affected my life tremendously as I recently started a new maintenance business and needed a vehicle to maintain it. It has stopped all my efforts in this endeavor. I have wasted so much time and effort trying to get the creditor to remove this account and they are ignoring my complaints, police report and statements of this account NEVER belonging to me. I never live at the address where the account was associated with and I never tried to apply for credit with this company ever. I need your help as they have ruined me because of it and stopped my effort to succeed with my business
05/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IL 60647	Web
I am not sure if it is the right category. It 's a debt with XXXX that dates back from 2010. The debt was the last bill emitted by XXXX XX/XX/2010 when my wife XXXX XXXX XXXX was living at XXXX XXXX XXXX # XXXX XXXX IL. The last bill ended up through a collection agency at the end of the XXXX. We payed it XX/XX/2010 as soon as we were made aware of it. We did not have a permanent address for 3 months which explains the lack of awareness for that last XXXX bill. XXXX decided to invoice XXXX with late fees after the bill was paid through the collection agency, They failed to try to contact us by other means than letters. Late fees have been accumulating on top of each other for the last 6 years without any of our knowledge. We are currently trying to refinance our home, this is affecfting her credit. I just found out that we had that debt collection on my wife name. We called the collection agency and paid it, the amount was for XXXX and they have been charging late fees monthly for the last 6 yrs. XXXX never tried to called my wife since 2010 even though her phone number on record was still valid. They just sent it straight to the collection agency. The issue is with XXXX, not the collection agency
06/18/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 080XX	Web
Contract Callers Inc. requested {$150.00} per alleged owed utility bill of a property sold to new owners over a year ago. Notified initially via mail and then filed a dispute via XXXX online dispute form the same day I received notice. On XX/XX/XXXX, Contract Callers INC reported to the credit bureau XXXX. They have included a very damaging negative mark on my credit which plummeted my score and can potentially stay on my report for 7 years. I am literally in the process of purchasing a home and this has caused severe damage. A letter from Contract Callers Inc with the date of XX/XX/XXXX on the letter arrived to me during the 3rd week of XXXX. The letter CONFIRMED my alleged debt was in dispute. And attached a backend statement from XXXXXXXX XXXX XXXX listing various amounts. It was not a copy of a bill or anything familiar to me, to use as proof/verification. Contract Callers Inc is in direct violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character. They have reported to XXXX on XX/XX/XXXX, invalidated information that is still in dispute, and this action is constituted as fraud under both Federal and State Laws.
12/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30350	Web
On XX/XX/2022 I reached out to the company, and followed up on XX/XX/2022 after being ignored. On XX/XX/2022 they had 10 days to reply to notice and failed to do so. Failure to provide the aforementioned documentation within 10 days from above date to validate debt constitutes the debt did not exist in the first place. I followed up with a letter on XX/XX/2022 to give company estoppel notice noticing their failure to provide proof of claim by XXXX XXXX XXXX Contract Callers INC All letters have been sent certified mail and return sender. The company has failed to comply and have ignored me. I have requested the company to show : XXXX. Validation of debt over four months ago. These accounts needs to be removed from my credit report. XXXX. Verification of their claim against me ( A sworn affidavit or a hand signed invoice accordance with The uniform Commercial Code XXXX. Copy of Contract signed by both parties. XXXX. Provide TRUE CONTRACT, NO PHOTOCOPY. This is a breech of my privacy rights and a violation under FCRA codes ( Section 604 15 U.S.C 1681 B, Section 605 A 16 U.S.C 1681 C-1, AND SECTION 605 B 15 U.S.C 1681 C-2. Please see attachments for letters sent to company.
06/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 770XX	Web
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company, Contract Callers Inc. I did not open or authorize the account that you are reporting a balance of {$2200.00}. This fraud account was not opened by or used by me. I've never had any obligation with you or the company XXXX you represent. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft and is inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the FairCredit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
07/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30067	Web
XXXX XXXX XXXX XXXXContract Callers Inc. - wrongful debt claim This is regarding an alleged outstanding balance of {$170.00}. I have disputed this balance several times with XXXX XXXX directly as well as with Contract Callers Inc. collections agency. I even pointed to XXXX XXXX XXXX own call recording which clearly confirms that I had NOT signed up for a service renewal in XXXX, as they falsely claim, which then I supposedly terminated prematurely hence owing the {$170.00} cancellation fee. Despite my repeated efforts to dispute this charge, and even by trying to have a XXXX XXXX call rep manager listen to that call recording, they still sent this wrongful debt to Collections anyway and reported to CRAs. This has tarnished my otherwise very good credit score/history and I am now unable to get a good interest rate on a new home mortgage. Just recently, I also disputed this bad debt record with XXXX directly, but to no avail since they tell me that XXXX XXXX is insisting that I owe this debt still. I will continue to pursue this wrongful debt to clear it from my record. My last resort would be a legal approach, but thought I'd try with CFPB first.
08/12/2016	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 142XX	Web
I have received four calls from XXXX, and they all follow a similar pattern. If I do not answer the calls then no message is left. On the occasions in which I have answered, there has been no response on the other end -- just silence. I have called the number back three times, and each time I was immediately directed into a generic voicemail box. There was no indication of what company was calling and for what purpose. Nothing in their contacts to me nor my attempts to contact them has indicated their purpose. The only reason that I know this number corresponds to a debt collection agency ( Contract Callers Inc ) is because of multiple online searches of the number. To my knowledge, I have never received any written communication from this company, and to this date I have no idea why they are calling me. The dates of the calls are as follows : XXXX/XXXX/16 ( unanswered ) ; XXXX/XXXX/16 ( unanswered ) ; XXXX/XXXX/16 ( answered, no response from the caller ) ; and XXXX/XXXX/16 ( answered, no response from the caller ). I have called the number on XX/XX/XXXX, and twice on XX/XX/XXXX with indication of who the company is, or why they are contacting me.
03/16/2023	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	GA XXXXX	Web
I received a call from a person no name or company was introduced! From XXXX a me asked me to verify my SSN/ info I refused! Said he calling from CONTRACT CALLERS I see they have a diff number when I said Im not familiar with his co he hung up as I searched there number is XXXX he said he had all my info here and he cant release my info without me verifying its me! I also got 2 text today from ppl I dont know this is a new number I have and I get all type of calls and text to say the least I place a block on text. Some jobs dont seem right either just want to gather your info~ like this one XXXX XXXXXXXX XXXX XXXXXXXX XXXX Less than 10 minutes left! Your one-way interview for XXXX XXXX is coming up at Monday, XX/XX/XXXX XXXX EDT! Click the link below to get started, or join from your computer using the link in your email. XXXX XXXX XXXX If you can't attend, please reschedule or cancel with the link : XXXX : XXXX And XXXX which I finally spoke to mgt but no job offer/ the recruiter was weird we spoke about trips etc then she called me back to say apply for another XXXX said she sent my info out but I heard nothing back I was fed Govt worker
02/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IA 52501	Web
On XX/XX/XXXX a relative of mine opened an account in my name for XXXX XXXX in XXXX and at the time i was staying in another state so didnt know until i started getting letters in the mail from a collection agency which was CCI. I stayed they a while before but moved back to the state i was staying in. The account was opened in XXXX at the time i was staying in XXXX. I called CCI on XX/XX/XXXX which is the collection agency the debt was sold to and i told them that it was a fraudulent account and i had sent in my lease from then and also my police report stating i had identity theft and he didnt understand how it came back as its a validated account. He seen the address where the services were started and also had a wrong address on file for where i stayed which was XXXX, XXXX and ive never lived in that city. Like i stated i stayed in another state. It was a family member who got the account and i dont want to press charges but i got the police report stating it was identity theft. The man insisted that i make a payment on this fraudulent account and i refused to do anything else further including letting me speak to someone of higher authority.
05/31/2020	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	CA 95207	Web
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 2. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 3. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 4. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 5. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 6. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report 7. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report 8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report 9. The inquiry was not authorized XXXX/XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report 10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report
10/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ XXXXX	Web
XXXX has sent me to collections for a debt that is not, and is impossible to be, mine. This is for an account that I have since transferred and closed. It is being claimed that this account was closed in XXXX of XXXX, when I closed the account three years prior. I have a screenshot of that account closure. I have documentation that I had transferred my service from XXXX XXXX XXXX in XXXX XXXX to XXXX XXXX XXXX as of XX/XX/XXXX. I could not have had service in two places at once. Furthermore, I have also attached an account closure notification for the jersey city account on XX/XX/XXXX. In XXXX 's letter, the info graph of gas usage was zero for all of last year, and then somehow restarts in XXXX of XXXX. There is no explanation for this, i have not lived at this address for 4 years. The collections agency said this debt is valid because it's in my name. I sent them my documentation and they claim there is nothing they can do. It is clear to me that someone on XXXX 's end failed to close my account properly, or it was reopened under the last known resident. Either way, this is not my debt. I have not lived at this address in years.
11/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CT 067XX	Web
I was contacted by letter from Contract Callers, a debt collection agency, regarding a balance I owed to XXXX gas. The balance due was {$400.00} The letter was a settlement offer. They offered me to pay {$200.00} and my debt would be considered settled in full. I spoke to XXXX XXXX and was assured if I paid the {$200.00}, I would owe nothing else on this bill. A month after paying I received a collection letter from another agency for the remaining {$200.00}. XXXX XXXX told me my account was still open for the {$200.00} balance. I called Contract Callers and was told that my debt was only settled with them, not with XXXX XXXX - that all that happened by me paying the {$200.00} was that I was no longer in collection. My account had not been settled with XXXX XXXX and I still owed that money. They would not send me a copy of the letter I received stating that my account would be settled in full so I could have proof of the exact wording that was used. And I was told that it should have been explained better to me and that the woman I spoke to when I paid should not have told me my I would owe nothing else on this bill.
10/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95240	Web
I had filed a complaint XXXX : a collection account for XXXX that was being handled by ICS systems and they did remove the dispute from their system and they said they closed the case and that they made the correction to the credit bureaus. So in reviewing my credit it has dropped from XXXX to XXXX and the new credit collection agency called contract callers now is reporting this incorrect information which has Transunion giving me a XXXX FICO. Well I called and they put me on the line with the person but she was extremely rude and kept calling me sir sir after I told her this is not a sir. She just kept telling me sir so I asked to speak with a supervisor and he got on the line and began to call me sir and then hung up. I do not owe XXXX to XXXX for a address XXXX XXXX XXXX XXXX, CA. XXXX. This problem had been resolved with PGE and I stand a XXXX % correct because the owner of the property was illegally billing my account. I have never missed a payment for XXXX years and I have established a great trust with these credit XXXX XXXX and I wish to maintain that. there number is XXXX and it is for {$210.00} for XXXX
06/21/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30093	Web
I sent CCI a letter asking for debt validation 2 months ago and did not receive a response. I then sent an additional letter asking for debt validation and I received a notice back just stating what I owe and a breakdown of a bill. I did not receive a letter or statement with my signature on it creating the debt even though that is what I requested. Two weeks later I received a letter stating that they do not handle the XXXX XXXX account anymore and that I need to reach out to XXXX XXXX! Even though they are reporting on my credit that I owe a debt to them! I sent a letter politely asking for them to remove their remarks with all 3 credit bureaus since I no longer owe them a debt and because they cane verify that I owe them a debt. I have not heard back from them regarding this matter and according to the Fair Credit Reporting Act I am well within my legal rights to request validation and if it can not be provided to me than they must stop reporting this debt the the credit bureaus. This collection agency is preventing me and my family from buying a home and living a comfortable life which I do not see is fair!
10/10/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 622XX	Web
I had a collection account with CCI from a utility company from a house I rented I found out about this when I checked my credit report in XX/XX/2019. I never received a dunning letter from them and when I seen it on my reports I contacted them about it. I called them 4 or 5 times and everytime I told them the only way it would benefit me to pay it is if they removed it from my reports that i had moved to a another state and would never have any service with that company again. The last time I called they told me they would remove it from my reports and it's been over 6 months and it's still on them. I called back about a month ago and was told they don't remove things from reports. So I was lied to and It is an unfair collection practice for a debt collector to make false representations. FDCPA 807. This is the only bad thing I have on my reports and I didn't even know I owed the company anything I filed a forwarding address with the post office and I never received anything saying I owed this or I would have paid it. And CCI had my address also and never sent me anything before putting it on my reports.
10/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95240	Web
I had filed a complaint XXXX : a collection account for XXXX that was being handled by ICS systems and they did remove the dispute from their system and they said they closed the case and that they made the correction to the credit bureaus. So in reviewing my credit it has dropped from XXXX to XXXX and the new credit collection agency called contract callers now is reporting this incorrect information which has Transunion giving me a XXXX FICO. Well I called and they put me on the line with the person but she was extremely rude and kept calling me sir sir after I told her this is not a sir. She just kept telling me sir so I asked to speak with a supervisor and he got on the line and began to call me sir and then hung up. I do not owe XXXX to XXXX for a address XXXX. XXXX, CA. XXXX. This problem had been resolved with PGE and I stand a 100 % correct because the owner of the property was illegally billing my account. I have never missed a payment for 8 years and I have established a great trust with these XXXX. and I wish to maintain that. there number is XXXX and it is for {$210.00} for XXXX
06/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77494	Web	Servicemember
Contract Callers, Inc. reported a {$760.00} amount collection to Credit Bureaus for City of XXXX that I have not done any business with. They have been reporting it to Credit Bureaus since XXXX XXXX and I found out later about it when my 2 XXXX XXXX cards, 1 XXXX Card were closed due to collection during COVID-19 Pandemic and later my loan requests were denied. I contacted Contract Callers, Inc. several times but they were not able to locate this account in their system. I provided them my Social Security Number, Phone Number, Address and whatever they asked to search the record but they were still not able to locate any record. I asked them how did they report to Credit Bureaus if they were not able to locate any records but they were not able to answer and insisted that they did not have any accounts to report under my social security, phone or address. This has caused severe financial hardship on me. During my last conversation with Contract Callers, Inc. on XX/XX/XXXX ; they couldn't locate any records and refused to take care of it. FOR RECORD, I DID RECORD THE ENTIRE CONVERSATION.
08/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 142XX	Web
In 2011 XXXX investigated this debt from XXXX XXXX and it was found to be not valid due to the inability of National Fuel to produce any bill that was in my name. Contract Callers Inc. is now calling on a daily basis stating it was my debt. I asked them for supporting documentation from National Fuel to verify the debt and they told me I could call them and verify the debt. I told them if they could not provide verifying documentation, they would need to cease and desist from any collection activities according my rights under the FDCPA. They refused to produce the supporting documents and said all they had to provide to me was a statement, written by them, stating that they were collecting a debt for National Fuel.They also told me that this debt was on my credit report. This debt is not on my credit report because it was removed once the XXXX XXXX XXXX XXXX XXXX found that it was an unverifiable debt. The harassment and strong arm tactics of trying to get me a pay a bill I am not, nor never have been responsible for is completely unfair and is infringing on my rights as a debtor.
05/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30252	Web
XXXX and XXXX are still reporting Contract Callers Inc on my credit report and a bankruptcy on my credit report that do not belong to me. I have submitted my DL, social security card, utility bill, and police report stating that these items do not belong to me. Yet they keep updating my report as a collections account. These accounts do not belong to me. I need them removed asap. Also, the inquiries on my account are not mine. I have already contacted XXXX about the issue as they are the original creditor on the Contract Callers Inc, but nothing has been done. The XXXX XXXX XXXX is not my account either and needs to be removed. I have tried to call them and I am not getting any kind of response. Also the only address and phone number that should be on my report is XXXX and XXXX XXXX XXXX, XXXX Ga XXXX. This information should not be used for any creditors to contact me and for them to update their systems to harass me about a debt that doesn't belong to me at all. My next step is to retain an attorney and sue any debt collectors that have not removed the items off of my report.
11/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 94545	Web
I first submitted a dispute to XXXX, XXXX, XXXX and a collection company called XXXX XXXX XXXX regarding account # XXXX back on XXXX XXXX claiming that I was not responsible for this collection and that it was not mine. I asked all 4 parties mentioned to verify the collection. I received an itemized list of alleged charges from XXXX XXXX XXXX that in NO WAY meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I Also received various responses from XXXX and XXXX claiming they verified the erroneous reporting on my credit file. I then asked XXXX and XXXX to provide me with complete description of ALL methods used to investigate my dispute as I am entitled under FCRA 611 ( a ) ( 7 ). XXXX and XXXX NEVER provided me with original documentation as i am entitled under section 609 ( a ) 1 ( A ) and section 611 ( a ) 1 ( A ). Therefore as you know, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE ALL unverifiable information. XXXX XXXX XXXX just stopped communicating with me. XXXX despite 2 requests NEVER REPLIED ONCE!
08/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 142XX	Web
In 2011 XXXX XXXX XXXX XXXX XXXX NY investigated this debt from XXXX XXXX and it was found to be not valid due to the inability of XXXX to produce any bill that was in my name. Contract Callers Inc. is now calling on a daily basis stating it was my debt. I asked them for supporting documentation from XXXX to verify the debt and they told me I could call them and verify the debt. I told them if they could not provide verifying documentation, they would need to cease and desist from any collection activities according my rights under the FDCPA. They refused to produce the supporting documents and said all they had to provide to me was a statement, written by them, stating that they were collecting a debt for XXXX.They also told me that this debt was on my credit report. This debt is not on my credit report because it was removed once the XXXX XXXX XXXX XXXX NY found that it was an unverifiable debt. The harassment and strong arm tactics of trying to get me a pay a bill I am not, nor never have been responsible for is completely unfair and is infringing on my rights as a debtor.
05/20/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	IL 62234	Web
XXXX XXXX XXXX, has resold the same debt that I 've issued complaints to CFPB previously regarding. XXXX is not being represented by CCI Contract Callers, Inc XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. ( XXXX ) XXXX. XXXX has NEVER provided a verification of Debt for this attempted, and repeated collection of alleged debt. XXXX funding, nor CCI has ever provided verification of originating debt. No signature cards have been provided and CCI, XXXX funding have now submitted this erroneous collection to the Credit Reporting Agencies. I 'm asking CFPB to investigate XXXX Funding and CCI for false collection practices. XXXX has been attempting to collect this debt since 2002 and has NEVER provided a Verification of Debt pertaining to their alleged debt collection. XXXX funding is committing fraud by reporting fraudulent debt to my credit reporting agencies and has caused me to be denied for credit because of this adverse and erroneous collection attempt. XXXX needs to provide the ORIGINAL VERIFICATION OF DEBT from whatever organization they received this alleged debt.
08/25/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 020XX	Web
I received a letter from Contract Callers XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX Claiming that I owed XXXX, Formerly known as XXXX {$100.00} File Number XXXX Account XXXX They attached no proof, and I have no reason to believe I owe XXXX any such amount. I have never received any such bill from XXXX, or any communications about any such bill. I called the number listed above, to inform them that I disputed the debt, in its entirety. They told me that I I had to tell them the last 4 numbers of my social security number. I told them I had no intentions of telling someone I had no pre-existing business relationship with any of my PII. They said that I was obligated to send them written notice of my dispute. I see no reason why I should have to spend more of my time, or buy postage, to dispute something they seem to be making up out of whole cloth. I would appreciate your help in this matter, as their representative was escalating and hostile, and repeatedly insisted that I divulge PII, based on a letter they sent me, out of the blue. Thank you
01/03/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NC 28078	Web	Servicemember
In XXXX XXXX, I discontinued my service/account with XXXX XXXX XXXX in XXXX XXXX, MO. At that time, I moved into a temporary apartment and had all of my mail forwarded. Upon reviewing my credit report in XXXX XXXX, I noticed that XXXX XXXX had entered a collection notice for {$270.00}. I contacted them immediately and they refuse to tell me what the balance was in XXXX XXXX when I disconnected, and they have failed to tell me what the " late fees '' associated with my account. They also can not explain why I rec 'd no phone calls, final billing notice or anything from them for over 6 years, and why all of the sudden they feel obligated to tell me I owe them X amount of $ $ . I 'm frustrated that a utility company can basically hold onto my personal information for almost 7 years and suddenly tell me that I owe them almost {$300.00}, and what 's even more frustrating is that I have no proof of what was owed, how much they 've charged me over the years etc ... The only response I have rec 'd from them was an email from saying they do n't contact customers via phone.
03/08/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 91504	Web
Ruining my credit score! Received a letter in the mail from contract callers stating they are collecting on an account I'm not aware of. I contacted contract callers and spoke with supervisor XXXX XXXX out of XXXX office and he stated that their contract with this company they are collecting for has changed and they are not supposed to be reporting on my credit and they are working on removing all reported accounts by contract callers from thousand of people reports. He ensured me that it will go away as this is not allowed by them anymore. Also they reported to my credit that this is 5 months past due with their company when this is the first letter I received. They also did not give my time to respond before they slammed it on my report. To my surprise two days later they reported to another bureau and lowered that score as well. I want this removed from my credit file as stated by XXXX XXXX on his recorded line. Also they are reporting under two different names. One report says contract callers and the other say XXXX. This to me seems like fraud!!
01/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78132	Web	Servicemember
The company did not give me more information as to the bill in question, and when I tried to dispute it over the phone they told me they could clear the debt and would help me if I paid XXXX XXXX per month for them to do so, saying if I didnt do so it would affect my credit score, etc. I responded that this is not my debt. I work XXXX so I was not able to dispute the debt in time but this is not my debt. Company mentioned this could affect my ability to buy a home, I said I own my home and this is not my debt. They said just pay, I said I wont because this is not my debt. I want to see the bill in question and time period as I moved from XXXX XXXX to XXXX and then XXXX and divorced from my husband in XXXX. I have no lived in the home since XXXX and am based in XXXX XXXX. XXXX is a XXXX XXXX company and the address in question is XXXX XXXX XXXX, XXXX, NJ XXXX, and should be charged to my ex husband who is the current sole homeowner, XXXX XXXX. I can provide all divorce papers showing I have not lived in the home since XXXX.
07/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	DC 200XX	Web
Contract Callers ( A Georgia-based collections agency ) has been attempting to collect a debt of {$71.00} from me for over 6 Months now. They claim the debt was from XXXX XXXX XXXX, an electric utility, for an electricity bill from my account with XXXX XXXX XXXX. I have contacted XXXX XXXX, and paid the ammount XXXX times at this point. XXXX XXXX XXXX are recording a balance of XXXX on the account. I have explained this to Contract Callers multiple times, they have insisted I pay them, and they refuse to contact XXXX XXXX XXXX, to verify the payment has been made. They insist I send them the information by FAX ( nobody has a fax machine any more, people also stopped using Carrier Pidgon a while ago, and Contract callers refuses to use eMail ). They have thretend to file a record on my credit report ( even though there has never been any " Credit '', this is a utility bill ). When I contacted Contract callers, they also refused to tell me who their Government Regulator was, so I am unclear who to contact, to file a complaint.
11/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30518	Web	Servicemember
In XXXX of 2018, I submitted a Fraud Packet to XXXX XXXX for ( 2 ) Fraudulent accounts that had been opened in my name, using my SSN # a year apart. I submitted a police report, tried reaching out to the Creditor ( Contract Callers ), who was very rude. I've also worked with XXXX XXXX XXXX who completed my fraud package for both fraudulent accounts. Two years later, there is STILL a mark on my credit report from this creditor saying : " Comment : Account previously in dispute - investigation complete, reported by data furnisher. Account paid in full for less than full balance '' This was NEVER my account and opened fraudulently using my SSN #. The historical data from the dispute on XXXX shows that XXXX XXXX is the original creditor. Each time I submit a new dispute, I get the same answer. PLEASE help me get this account removed from all ( 3 ) credit reports! I have all documentation to support this ; including bank statements with my correct address at the time of the fraudulent account activity. Both times.
09/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30238	Web
This is a follow up of closed complaint # XXXX Company CCI/Contract Callers Inc. is in clear violation of the FDCPA/FCRA/TILA Laws. From there previous response to my original complaint, there is a clear admission of guilt. The Affidavit of Truth mailed certified on XX/XX/2021, received, and signed for on XX/XX/2021 was ignored. The Law States the Following : An affidavit unrebutted stands as Truth. Affidavit uncontested unrequited unanswered ( United States v. Kis, 658 F2d 526, 536 ( 7th Cir,1981 ) ; Cert . Denied, 50 U.S. L. W. 2169 ; S. Ct. March 22,1982 ) " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit. '' ( Group v. Finletter, 108 F. Supp. 327 Federal case of Group v Finketter, 109 F. Supp. 327 ) An Affidavit uncontested unrebutted unanswered, Morris v. National Cash Register, 44 S.W. 2d 433 Morris v. National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true ''
09/13/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85203	Web
XXXX offered discount to XXXX employees on non contract I switched for {$30.00} a month they never honored that price for they adjusted billing to what they offered Ifor approx 2/3 months then said they couldnt honor price they advertised very stressful and phone never worked this offer was emailed to employees approx XX/XX/XXXX phone never worked I returned it and used my own phone. I was promised account would be cleared for misrepresenting I disputed first collection and was taken off my report now have another collector coming after me says attorneys this account was horrible nightmare Im back with XXXX. False advertisement bad training of employees and false promises item never worked and they are charging a phone that I returned never worked. I left with manager that ran that store horrible service no training - checking data it will show phone connected was my own please help get these creditors and XXXX harassment my XXXX XXXX is bad enough harassment of collectors is taking its toll Thank you
10/30/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 180XX	Web
I was evicted from my apartment on XX/XX/2020. I was served the lockout notice on XX/XX/2020. On XX/XX/2020 I was incarcerated in XXXX XXXX XXXX for a XXXX and then transferred to XXXX. I got out on XX/XX/2020. By the time I got out, someone else was already renting the apartment I was living in prior. I contacted XXXX XXXX XXXX to advise that I was evicted back in XXXX and that someone else lived there now because they were still charging me. I was told it did not matter who lived there because I never called to shut off service and that I owe everything up until the day I contacted them. I explained that I had no way of contacting them due to my incarceration and offered to send them all the paperwork showing my eviction and incarceration as well as my XXXX completion. They did not care. They have now sent this bill to collections with Contract Callers. I attempted to contact them to work out a settlement but they won't budge. I should not owe anything on this account after XX/XX/2020.
11/19/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	WI 54302	Web
Hi I just went for a car loan was turned down never was I turned down for a car loan and imm XXXX so have had plenty, credit report as via XXXX is great except a XXXX owed to XXXXXXXX XXXX XXXXd on my credit report dont know how i could charge XXXX grand at XXXX and we dont even have a XXXX store in wi. for prob 3 years then 6 days later this letter from cci contract callers inc XXXX ga. XXXX shows up wainting XXXX so 3 years later the 2nd time I have heard of this debt first time when car dealership says oh we cant give you loan because of this on your credit report says previous creditor XXXX XXXX XXXX XXXX acct number XXXX unless it was my ex girlfriend who liked to charge but 3 to 4 years after XXXX stores closes give me a break and she has left town no body knows where she moved to just up and left Please help I have no car my son took care of my old car and now I cant get a loan because of this .... thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wi XXXX
08/10/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78628	Web
This company is trying to collect {$110.00} from me for a debt they claim I owe. I have written them several letters since XX/XX/2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
02/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60636	Web
15 usc 1681g disclosure to consumer I was not informed of any activity. And my credit profile is freezed. 15 usc 1681 ( a ) ( 4 ) XXXX XXXX XXXX accounts that reporting false and misleading Information. XXXX XXXX XXXX accounts that reporting false and misleading Information. They never properly verified account. Contract caller Inc. accounts that reporting false and misleading Information XXXX XXXX XXXX accounts that reporting false and misleading Information. XXXX XXXX XXXX accounts that reporting false and misleading Information I've disputed several collections accounts that reports a s open and some have information that's not valid. None of these accounts was properly verified. I have had a credit freeze and my report is being accessed without my knowledge. I would like accounts to be removed due to false reporting and defamation of character. I've also checked some of these company online through XXXX XXXX XXXX XXXX and they are not licensed in my state.
05/04/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	OR 97124	Web
Get a call almost every day and sometimes a voicemail left. It's an account for XXXX for only {$50.00}. I've set up payment twice for the discount price letter i got in email said i could pay that didnt go through. First payment I forgot about as they don't send reminders and didn't have enough on card and second time I had to end up using all money on card for rent that just went up. I know the payments didn't go through. I have not told them to stop calling but I've sent 3 emails to them mentioning the things and saying I know payment didn't go through etc with no responses back so probably wouldn't respond to a no call email. Phone calls are automated. I will get the payment made, I just would rather not have the phone calls. I know about account and I know I need to make payment and will try this coming week. The phone number I entered above is my only phone number so please don't start trying to contact other people, I don't live with any of them.
07/27/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	WA 98072	Web
On XX/XX/2020 I received a XXXX XXXX alert that collection was added to my account. Here is information from XXXX XXXX : Creditor Information CONTRACT CALLERS INC XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Opened : XX/XX/2020 ( 5 mos ) Account status : Open Type : -- Responsibility : Individual Remarks : Placed for collection Original Creditor Name : 11 XXXX Contract Callers Inc registered at XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX, GA XXXX has never contacted me about this debt. They did not send me a letter or call me over the phone. I am very upset no one informed me about this debt and that now I have a derogatory mark on my credit report. I would like to : 1. Complain about CONTRACT CALLERS INC unethical debt collection practices. 2. Have CONTRACT CALLERS INC validate the debt they are trying to collect. 3. Remove derogatory marks from my credit report from all 3 Bureaus and provide a written statement that they did it.
07/23/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 12601	Web
On or about XX/XX/2019 I contacted Contract Callers Inc in an attempt to settle a debt. My settlement offer was not accepted and I asked for clarification of the debt in written form via regular mail. I verified my current mailing address. Several weeks later I had received nothing and called again in an attempt to settle and also to receive verification of the debt. I was told that my original request had never been processed but that I would receive something in the mail shortly. Again, I received nothing in the mail and contacted the agency and told them I would like to dispute the debt as I never received any additional information about it. Approximately 1-2 weeks after this call my credit score dropped from XXXX to XXXX and now shows a derogatory remark that I attempted to dispute this debt. I requested written verification multiple times prior to disputing the debt and never received anything. This does not seem legitimate or fair whatsoever
04/05/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33311	Web
This is my XXXX complaint against Contract Callers. A very disrespectful representative XXXX called my phone today at XXXX AM and asked for my name and told me to verify the last XXXX digits of your social security number. He did not even verify where he was calling from. Very rude and distasteful phone call. As done before, a complaint was filed against Contract Callers who illegally put a collection on my credit. Now that I contacted CFPB and they had to removed the collection off my credit, they illegally call my phone. Again my question stands, is this company permitted to collect from Florida residents? Even if they now are, I am affected by the pandemic and out of work indefinitely. Please stop this company from contacting me and harassing me after the last CFPB complaint or I will have to find a free law service to help me file a harassment lawsuit. My last complaint was filed XX/XX/2022. Why are they calling me threatening me?
02/18/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78664	Web
I initially disputed the barred debt- not claiming it to XXXX due to original date of debt last payment and the collection agency Contract Callers responded back to XXXX that the information is correct that they put on my credit file. They also have on the account that a payment of {$1.00} was some how received and that is not true.I hereby wish to submit a complaint to your office to assist in getting this issue of wrongful collection debt reporting to consumers credit file. I am uploading the following items : 1- dispute submitted online to XXXX that shows the company responds that all information is incorrect and that is not true. 2 - Letter I sent to the company of the item not being claimed but is of barred statute and needs to be removed from my file. 3 - Credit profile pulled XX/XX/2006 showing this same account as a collection account and was disputed. Please assist to help me get this removed from my credit files. Thanks!
08/16/2018	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NJ 080XX	Web	Servicemember
I have an outstanding debt with XXXX which has assigned Contract Callers , Inc to collect this debt. First, I never received notice of debt owed, I only knew of it when it showed up on my credit report this month. I am trying to get approved for a VA mortgage and the credit counselor said I needed to pay the debt in full and get a deletion. So I contacted CCI to do a pay for delete and they said that their XXXX contract doesn't allow them to do a deletion only updating credit report but for me to call XXXX to have them ok CCI to do the deletion after full pay..I called XXXX collection department and they had no idea what CCI was talking about, they said as long as it is paid in full they could delete it. Called CCI back and they said oh you need to call client services at XXXX which they have no phone number for..basically giving me the run around. All I want to do is pay my debt in full and have them delete it from my credit report.
06/15/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 23320	Web
I received a notice in regards to a debt that was sold/transferred from XXXX XXXX to CCI C ontract Callers Inc, I called within the required time to advise that I am disputing this debt and was told by a XXXX XXXX that they have up to 30 days to send me information regarding this debt as it will affect my credit. I advised the that I do not need anything negative on my credit as I am purchasing a home and again dispute this debt. I spoke with the representative on XXXX / XXXX / XXXX @ XXXX XXXX . I received a credit alert this morning advising that my score is now adversely affected and the company that has placed a collections account and dropping my XXXX score XXXX points XXXX . Either this company sold this account not wanting to deal with a dispute or XXXX is their parent company. They need to remove this negative item from my credit report and legally follow the processes in place for disputes.
12/07/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 080XX	Web	Older American
I received a knock on my door, stating they were from XXXX last month, I informed them I was not interested, then I receive three letters in the mail within the last thirty days stating it is from a debt collector for XXXX. It is a fraudulent debt collector for XXXX. I called XXXX and informed them of the impostor knocking on my door and again today, after receiving this fraudulent letter. I always have a credit in my account.. The headline : CCI, Contract Callers Inc Their account number XXXX Their stating the creditor is XXXX Amount due : {$40.00} Signature, XXXX XXXX manager Phone number, XXXX XXXX informed me they are aware of the fraudulent debt collectors Here are the options of paying the fraudulent charge Download Iconnect mobile app through XXXX XXXX or XXXX store Call toll free, XXXX Mail to XXXX XXXX XXXX XXXX XXXX Georgia XXXX or go online XXXX Thank you for your time and consideration into this matter
04/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 150XX	Web
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CONTRACT CALLERS, I XXXX XXXX Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
11/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95240	Web
I would like to ask for your assistance in this issue with my credit report which has had a collection reported that was allegedly resolved as the collection company stated in XXXX XXXX but another collection company has also picked up the account and began to report it also. Can there be XXXX of the same accounts being reported for the same amount owed. I believe that is the reason my XXXX went so far down from XXXX to XXXX. The problem with this entire account is that is was resolved by XXXX in XXXX when it had become an issue. The homeowner had hooked his RV up to the house for power and he was using the account in my name. XXXX XXXX was contacted and there was complaints filed and XXXX closed the case. I had and should still have an excellent payment status with XXXX because I had no late payments, and always paid on time. I found a receipt for a bill where I received XXXX in XXXX, Ca.XX/XX/XXXX
10/10/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78239	Web
After reviewing my XXXX credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Contract Callers Inc. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account was not listed as disputed by consumer nor had I received any correspondence from creditor to validate this account as correctly belonging to me.Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report. When I still lived in Ohio from XX/XX/XXXX-XX/XX/XXXX I attempted contacting XXXX XXXX XXXX directly multiple times and disputed the accuracy of the charges however I never received any response. I do not believe the account in stated amount belongs to me nor that the creditor has authorization to legally attempt to collect on this account and this account continues to negatively affect me.
08/12/2016	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	WA 98106	Web	Servicemember
Was XXXX contacted by a strange number XXXX XXXX XXXX, when answering the call the caller refused to say anything. When I called them back I was asked about personal information such as name, previous addresses and social security number. They ( Contract Callers ) claim it was a debt from a credit card first saying in XXXX and then changing it to XXXX. I told them I did n't know anything about this credit card company in question, and that they were in fact violating my rights by not contacting me via XXXX mail with information containing the alleged debt. I was talk to very rudely and told them I would have my attorney view the allegations as it seem to be fraudulent or perhaps even a scam. It was suggested by the representative that I may have been a victim of Identity theft however, I use credit protection and alert systems that notify me of such matters so I think its completely a lie.
12/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60406	Web
In XX/XX/2017 i sent contract callers inc a letter disputing the debt that they are reporting on my credit file, they never responded to my request, i than sent another letter on XX/XX/XXXX and received a response from the collection agency yesterday stating that the debt has been validated with a copy of a recent bill. In my original letter i asked the agency to provide proof of verification which should include a signature and any original documentation required under section 609 ( a ) ( a ) ( A ) & Section 611 ( a ) ( a ) ( A ) ( consumer contract with my signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA which states " you are required to promptly delete all information which can not be verified '' i contacted contact callers today via telephone and spoke with a rep and asked her to provide me verifiable proof that this debt belongs to me and she was unable to do so.
12/13/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77042	Web
Per my credit report states, I owe an amount of XXXX. However, I didn't create this account and was actually homeless, ( XXXXl breakdown accrued, I wasn't able to live alone per Dr requirement ) at the time so no way to have XXXX XXXX utilities. I reviewed my credit and noticed a home purchase in 2018 that wasn't mine since I was not in Missouri at all. Called the number to speak with a rep in concern to the account they continually disconnected the call once they perceived they couldn't bully me into making a payment. This has never been my account, when I asked for information to be sent to my review of the original debt signature they haven't provided it.They were not able to confirm the correct info for my d.o.b or whole name, which I would do for anything legally binding since I've has information from another XXXX XXXX XXXX, that was living in my same city for a while.
01/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90012	Web
I am a victim of identity theft, and did not make the account responsible for CONTRACT CALLERS INC. It was originally reported to my credit report back in XX/XX/XXXX on all three credit reports. Once it appeared, I reached out to the company and they informed me that the debt was from an electrical company in Virginia during a time that I was living in XXXX ( I still reside in XXXX. ) I have never opened in an account with the company and have resided in XXXX since XXXX. I informed them that the account and debt was a result of identity theft. I have previously reported this as identity theft and it was removed however it is now reappearing and the business refuses to remove it from my name/social. I am requesting that the item be removed from my responsibility and blocked to correct my debt and credit report due to the account or debt not being opened or used by myself.
07/11/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NV 89110	Web
I have no idea who Contract Callers Inc is and they just charged my identity {$500.00} illegally. I checked my credit report using the XXXX XXXX app and I couldn't believe that I had a derogatory mark because I cleared all negative items from my credit report last year. I checked the negative item and it was an unfamiliar entity charging me {$500.00} which damaged my credit score by XXXX points and added unforeseen restrictions to myself, my family, and my household. I didn't give away my rights to preservation of consumer claims via any contract or agreement so a ) there should not be any reports placed on my credit profile and b ) there should not be an unknown entity shopping for my personal information and credentials whatsoever. This company has unlawfully acquired my credit extention and has illegally charged me repeatedly for the past 10 months while I was unaware.
12/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 150XX	Web
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 : XXXX XXXX XXXX XXXX. CONTRACT CALLERS I XXXX. XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
03/04/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 63123	Web
I am using a third party service to monitor my credit bureau files. Imagine my shock when they notified me that a negative entry had been placed on my file. XXXX XXXX accepted a file from Contract Callers Inc. that they were collecting {$150.00} for XXXX XXXX. I spoke with XXXX XXXX whom I am a current customer with in good standing. they informed me that they have not sent any collection account information to Contract Callers Inc. to collect from me but did admit they use CCI which they assumed is one and the same. When I called the company they refused to give me any information because I refused to give them my SSN over the phone. Not knowing who they are and they have personal information about me already causes me great distress and concern. I would like this company held responsible for their actions which clearly violates several state and Federal laws.
10/07/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29445	Web	Servicemember
I am XXXX XXXX military. I moved from XXXX XXXX to XXXX in XX/XX/XXXX. I had XXXX and had suspended the contract. Occasionally I would come back to the states to visit family and do military training and would activate my phone. I then deactivated it when I would travel back to XXXX. Apparently they did not honor my deactivation on one occasion. I no longer had their services in XXXX and the phone bill ran up to XXXX dollars. I had this resolved once before with all three credit agencies and the collection was taken off. Just recently it showed up again in XX/XX/XXXX. I have been trying to get if removed again for these bogus charges for services not received service. Now I live in XXXX XXXX and do not use XXXX. Thank you, XXXX XXXX CONTRACT CALLERS INC XXXX XXXX XXXX XXXX. XX/XX/XXXX {$860.00} {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
01/02/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30228	Web
This company did not check with person living at the address associated with this collection they were given a deposit but did not give credit on the account for the deposit..A family member lived at the address and is no longer in contact with the family..I would like to receive confirmation from XXXX XXXX that they took the deposit off the total of the bill and they didnt charge the proper price for the XXXX..They have a class action lawsuit against them regarding their XXXX prices i can not afford to pay this bill living on XXXX and if they could send proof of my identity they took before opening up the account that would be great a copy they have of my drivers license or social security card something they accepted when opening the account and a reason why the bill is so high for a few months..And give a complete from start date to end date..
06/13/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OR 972XX	Web	Servicemember
I tried to look at XXXX through XXXX XXXX XXXX online XX/XX/XXXX. I wanted to see what the financing terms of furniture would be, so I completed the financing check online through XXXX XXXX XXXX. I was approved XX/XX/XXXX through XXXX XXXX XXXX for a loan. I did not purchase ANYTHING through any furniture retailer online. I did not receive any money through XXXX XXXX XXXX to my bank account. XXXX XXXX XXXX began charging me for a loan of {$800.00}. I called them multiple times during the week of XX/XX/XXXX and XXXX, XXXX, regarding this loan. They told me the money would be deposited to my account and thats why I was to repay this amount. The money never came. I had to switch banks to get the automatic payments to stop. I just received a letter from Contract Callers Inc. for this fraudulent debt in the amount of {$1200.00}, dated XX/XX/XXXX.
03/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21043	Web
I would like to state that I am not responsible for this account, and I do not recognize it. I have never opened or used this account, nor have I ever authorized anyone else to use my name or personal information to open an account. Therefore, I request that you investigate this matter and remove this item from my XXXX credit report as soon as possible. I also request that you provide me with a written notification of the results of your investigation, including any corrections made to my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) gives me the right to dispute any inaccurate or incomplete information on my credit report, and I am exercising that right by writing this letter. I trust that you will handle this matter in a prompt and professional manner, and I thank you in advance for your attention to this issue
12/07/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NM 87110	Web	Servicemember
Received a phone call from ( XXXX ) XXXX. The caller said they were with a company named Contract Callers , Inc., on a recorded line, and they had a personal matter to discuss with ( My Name ). First, they would need my personal address to discuss any further. I declined providing personal information unless she provided employee name, employer address, and telephone number in accordance with the FTC 's Fair Debt Collections Act. She simply said she was not going to provide this information and the phone number is on caller ID. I, again, declined to provide sensitive information until she provide the information. She said she was noting that I declined to verify and could not longer proceed further with phone call. I agreed and she hung up. I proceeded to research the company. I found out the company has made fraudulent attempts in the past.
04/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32221	Web	Servicemember
Notified XXXX XXXX initially XX/XX/XXXX, filed necessary FTC report, Police report and dispute with CRA. Account was deleted from CRAs, however XX/XX/XXXX account transferred to another agency CONTRACT CALLERS INC, agency forward me back to XXXX XXXX due to account listed as fraud and information inconsistent with data reported by XXXX XXXX. Spoke with XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without resolution.As per XXXX XXXX supervisor, i was informed it was nothing that could be done and file a complaint. All 3 CRA had fraud/active duty alerts during this time account was open and XXXX XXXX failed to notify of fraudulent activity and even notify of account being opened.Neither the collection agency nor XXXX XXXX has offered a resolution regarding fraudulent account opened in my name. I am repeatedly hung up on or transferred.
03/29/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	VA 22032	Web
I disputed this account back in like XXXX or XXXX. Currently, I am looking to buy a house, but the dispute remarks were blocking my mortgage approval. I reached out to CCI Contract Callers about removing the dispute remark, but they refused unless the debt was paid. So, I reached out to the credit agencies, and had them remove the dispute remarks. I have done this three different times and every time it gets removed CCI Contract Callers keeps putting the remarks back on the collections account. I am no longer disputing so I don't know why they keep adding it back. The main reason I am filing this complaint however, is because this time when they added the dispute remark back, they put the collection on my credit report twice, dropping my credit score below my required score for the mortgage. I owe them for one collections account not two.
01/31/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	HI 96818	Web	Servicemember
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
12/12/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD 20877	Web
I recently received a copy of my credit reports and noticed some erroneous items on my credit reports. Contract Callers Inc. is handling the collection of these accounts. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Contract Callers Inc. and me which makes them entitled to enforce a commercial claim against me. This is not a request for verification or validation. This is a request for strict proof of contract to substantiate their claim. Provide me with a certified copy of an original contract with my signature, specifically naming Contract Callers Inc. entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.
03/13/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL XXXXX	Web
on XX/XX/XXXX, I ( XXXX XXXX ) contacted, Contract Callers, Inc, Ref ; XXXX regarding an account appearing on all 3 credit reports that does not below to me. The original creditor XXXX XXXX XXXX XXXX XXXX XXXX company account # XXXX, was opened by someone using my information, while I was incarcerated. They said this information will be removed. On XX/XX/XXXX, I check my reports again only to find that this information from Contract Callers, Inc., is still appearing on my credit reports so I call again today, XX/XX/XXXX and was told this account is closed and was sent to the credit bureaus in XX/XX/XXXX. I do not believe this because, once this information is updated I receive emails from the bureaus and never received any information regarding this alleged update or removal of inaccurate information. Thank you XXXX XXXX
11/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30350	Web
On XXXX XXXX, 2015, company named Contract Caller Inc. called in regards a debt owed by XXXX XXXX of {$200.00}. I contacted XXXX that I had received {$100.00} towards this debt and mailed a check from an outside source. Only owe {$100.00}. I responded that I did n't have the funds to cover the rest of balance. Upon explaining, the party stated to me that I must overlook my responsibility and how do have I been paying my bills. Totally disrespectful and unprofessional. Called a second time on XXXX XXXX, 2015 with the same questions. I asked did n't you call on the day before, response was that they were n't sure. I stated that they had. I do not dispute that I did n't owe the debt. Constant calling is annoying. Collection agency called Contract Caller Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX . XXXX, XXXX, GA XXXX. Phone # XXXX
03/22/2019	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 92563	Web
On XX/XX/2019 at XXXX PST, I received a call from a collection representative with Contract Callers , Inc based on GA calling me on behalf of XXXX. When i answered this call I was immediately asked " am i speaking to ( my full name )? ". I refused to answer anything unless i knew where they were calling from. They again asked so i answered a simple " yes '', and asked what this was about. They quickly stated " And the last 4 of your SSN is # # # # and DOB # # / # # / # # # #? ". This made me feel extremely uncomfortable since anyone would be able to answer yes to their question and then get my information had they dialed the wrong number. What if they accidentally had my account up and called someone else? I feel like my rights that protect my sensitive information are being violated by this company.
06/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95121	Web
Collection Agency : Contract Caller Inc. Date reported opened : XX/XX/2018 This company is a third party collection agency for XXXX XXXX XXXX. This account was opened years ago however this company unfairly reported that this account was just opened 2 months ago. Usually a collection account will stay on my credit report for 7 years from the original date of delinquency. This company reported in accurate information. This was not the first collection agency taking over this debt. Is a company allowed to report the current date if they just acquired this account or are they support to report the original date? At this rate, this collection will never clear my report if it keeps resetting every time this debt is purchased by a new collection agency. I need to know are my rights when it comes to this.
05/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 201XX	Web
My ex-husbands past due amount was reported with my name and I would like to have it completely removed from my report. The collection amount was for electricity for our marital house where I left in XXXX, 2014. Unfortunately, my name was still listed on the account. I informed the collection company, Contract Callers, of the fact that the debt was owed by him and provided his address. The company sent him a bill and he was the one who paid the debt. I have called Contract Callers numerous times but they refused to delete it from my report. I have mailed a dispute letter to XXXX and XXXX but XXXX did not provide deletion and XXXX is still investigating. I'm in process of home purchasing and this is negatively affecting my credit score which I'm not able to obtain the best available rate.
10/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 295XX	Web
On XX/XX/XXXX at XXXX, I contacted XXXX to let them know the debt was NOT mine and that the debt had been closed out with another creditor XXXX on XX/XX/XXXX because the validly of this debt was not proven.I told XXXX they could contact my lawyer and the debt was not mine. I provided their contact information to XXXX on a RECORDED line. Today XX/XX/XXXX they have contacted me AGAIN via mail after I gave them my lawyers information and disputed the debt on a recorded line. I called them and told them this debt was not mine and I have already given this information on XX/XX/XXXX and if they contact me again Ill file suit against them. This debt was researched and already closed with another creditor on XX/XX/XXXX. This debt was purchased by XXXX AFTER XXXX group had to close it out.
06/20/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11226	Web
Please delete the account from my credit report for all 3 bureaus ( XXXX, XXXX and XXXX ). Contract Callers inc added derogatory marks on my credit file the amount was {$760.00}. I initially disputed it in XXXX as fraud I've never had a signed contract and /or account with said company. YOU HAVE NOT PROVIDED ME A COPY OF ANY ORIGINAL DOCUMENTATION REQUIRED UNDER SECTION 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with signature on it ) and under SECTION 611 ( 5 ) ( A ) of the FCRA- you are required to " PROMPTLY DELETE all information which can not be verified. Fast forward to XX/XX/XXXX you are still negatively affecting my credit report. IF THE ACCOUNT IS NOT DELETED, I WILL BE FORCED TO CONTACT THE XXXX AND LEGAL COUNSEL TO FILE SUIT.
08/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA XXXXX	Web
On XX/XX/2020 I sent a copy of a paid in full letter from XXXX XXXX to Contract Callers to the email address provided, XXXX. Prior to sending the letter, I spoke to two different associates at Contract Callers Inc. informing them the account has been paid in full. I also spoke to several associates and a supervisor at XXXX XXXX asking them to update the collection company that they sent my information to, with information that the account has been paid in full. XXXX XXXX says their only responsibility to me is to send me a paid in full letter, which they have done, XX/XX/2020. I've disputed the information on my credit report with XXXX three times and CCI response to XXXX is, the amount is still owed. CCI refuses to update my credit report with correct information.
05/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30309	Web
On XX/XX/XXXX I was notified by my mortgage broker that a collection item was placed on my credit report. I contacted the collection agency, Contract Callers to resolve this matter. They stated that they are pursuing me for past balance owed for an old utility bill that I owe to XXXX XXXX XXXX XXXX XXXX. I was never informed of any outstanding bill owed. In XXXX I relocated from XXXX to XXXX, GA and during the relocation, I was advised of this charge. Nonetheless, I paid the amount owed to the collection agency but the collection agency refuses to remove the item on my credit report. Furthermore, I spoke with XXXX XXXX XXXX XXXX XXXX and they stated they will contact the collection agency to have this erroneous profile removed from credit report immediately.
12/18/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MO 63376	Web
Do I have a contract with you? Please send me a certified copy of the contract the exist between XXXX XXXX & CONTRACT CALLERS INC. Debt under penalty of perjury. Per the FDCPA/FCRA 15USC 1692 e.g. Breach of Contract by violating the Arbitration Clause. pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. According to the FDCPA After checking my records your company has NOT provided me with the contract we signed together. If you can not provide any agreement between us from this day on you agree to pay my fee of {$3000.00} usd, for contacting me without my written Express consent. I will also file harassment and identity theft charges. Please also send me the 1099-INT for this account.
10/07/2019	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 95210	Web
This is considered a parked debt from a collection agency named Contract Callers. The only reason I knew this was a collection was because in XXXX of this year I noticed it on my credit report. I was never advised in writing. I was never contacted by the company XXXX of this debt. The debt in question is from XXXX. Contract callers is parking this debt as new collection and has it on my credit report as remaining until XXXX, as it were a new collection. I never received bill from XXXX no was I ever notified I owed money. As far as I was concerned when I move Mobile phone companies I ported my phone number because my debt was paid in full. This has been four years. Now this sits on my credit report as a new collection of which I was never informed.
02/19/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07105	Web
What happens was that we used to had this Gas Utility service, on begging of 2020 I lost my job because of Covid 19 issues, i count made any payment from any utility plus i didnt payed the rent, so I had to leaved the house, I do have XXXX kids and a wife that I need to support, is been hard times for me and my family, I didnt know I had to pay this because I left the house on XX/XX/2020 so some other people may used the service and didnt pay anything or the owner of the house, however because of the covid 19 is the principal reason I had to not made this payment before plus the time dont match for whit the time we had leaving there, honestly I didnt know about the this collection and I do apologize for any inconvenience or payment i didnt made
02/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 175XX	Web
There continues to be a collection reporting on my consumer credit report from Contract Callers in the amount of {$2000.00}. I have disputed this in the past on two occasions and it was removed due to the company and the credit reporting agency unable to provide me with validation regarding this debt. This is not my debt. Recently it was once again placed on my consumer credit report using a different open date of XX/XX/2022. I again disputed it and am still unable to get anyone to send me any type of proof or validation concerning this debt. My consumer rights are being violated, and no one is taking responsibility for the seriousness of this situation. Therefore, I am making a former complaint to resolve this case once and for all.
12/25/2022	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 22191	Web
This is my 4th complaint against Contract Callers. A collection was re- added to my credit report on XXXX XXXX. These collection companies must be stopped. As done before, a complaint was filed against Contract Callers who illegally put a collection on my credit. Is this company permitted to collect from Florida residents? Even if they now are, I am affected by the pandemic and out of work indefinitely. Please stop this company from contacting me and harassing me after the last CFPB complaint or I will find a free law service to help me file a harassment lawsuit. My last complaint was filed XX/XX/2022. Why is this activity from this company allowed. I never received mail correspondence from them. This is illegal what they are doing.
03/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75238	Web	Older American
Contract Callers , Inc. reported that I owe {$200.00} to XXXXI called them on about XX/XX/2021 and found out that the Person with the same name as I have, who actually owes the {$200.00}, is located in XXXX. I told them that I never lived in XXXX and that I have always lived in XXXX. They gave me the address of the person in XXXX which I can provide to you as well as providing you my address in XXXX. They said they would send a " protest form '' to me and I never received it. It has been almost two weeks, plenty if time for it to get to me. The number I called for Contract Callers , Inc is XXXX. They asked for my Social Security Number and I said I never give that information over the phone ( fearing Identity theft. ).
03/31/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	NY 11355	Web
XXXX and Contract Callers, a debt collection agency, tried to embezzle money from my XXXX, XXXX XXXX. They have repeatedly called on the phone from a private office number and have made threatening remarks. According to my credit report, XXXX XXXX and Contract Callers tried to embezzle {$260.00} and commit other acts of harassment, intimidation and acts of grand larceny. The latest incident was on XXXX/XXXX/XXXX. This false information on my credit report is the direct result of identity theft. Additionally, the NYS Attorney General wrote a cease and desist letter in XX/XX/XXXX on my behalf. The debt collectors in question also demanded {$2000.00} from me over the phone. They used threatening statements to make their point.
05/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 07901	Web
I was contacted by XXXX XXXX XXXX VA from a collectiont through a collection agency. They had my first name mispelled and an address I didnt know. I filed a police report with my local police and gave the police number to XXXX XXXX. I explained I have never lived in XXXX and have lived in XXXX the past three years and XXXX for the prior 6 years. XXXX XXXX wanted my tax returns for the past 6 years and on the advise from my local police I refused. I asked XXXX XXXX for any evidence other than my social security number on this account that this account was mine for example past payments, copy of drivers licence ect., but the firm refused. The collection agency is calling me weekly to insist I pay the balance that isnt mine.
05/29/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 93720	Web
In XX/XX/2020 I noticed an alleged debt reporting on my credit reports for an Electric bill ( XXXX XXXX XXXX XXXX ). On XX/XX/2020 I sent Contract callers Inc., a request for validation as allowed under the Fair Debt Collection Practices Act ( FDCPA ) and requested for validation including a request for an assignment under the California Rosenthal Fair Debt Collection Practices Act ( Ca Civil Code 1788.13 ( l ) ) which prohibits " Any communication by a licensed collection agency to a debtor demanding money unless the claim is actually assigned to the collection agency. '' Contract Callers Inc. has not responded to my request and continues it's collection efforts without validation or verification of the alleged debt.
09/13/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77479	Web
CONTRACT CALLERS INC ARE RIDICULOUS! AND ARE REPORTING INACCURATE INFORMATION AND FRAUDULENT INFORMATION ON MY CREDIT REPORT. THEY ARE VIOLATING THE FAIR DEBT COLLECTIONS PRACTICES ACT AND THIS IS MY ONLY WARNING! I RECENTLY JUST CHECKED MY CREDIT FILE AND SAW A NUMBER OF FRAUDULENT ACCOUNTS THAT I HAVE NO KNOWLEDGE OF! FOR SOME REASON I CAN'T GET THEM ON THE PHONE TO SAVE MY LIFE! I ASK THAT THIS COMPANY CEASE AND DESIST ALL COLLECTION ATTEMPTS AT THIS TIME I AM GOING THROUGH A CRISIS BECAUSE MY INFORMATION HAS BEEN STOLEN AND THIS IS A FRAUDULENT ACCOUNT! I HAVE ALREADY NOTIFIED THE IRS, TEXAS ATTORNEY GENERAL, CONSUMER AFFAIRS, AND ALSO I AM NOTIFYING YOU AGAIN TO CEASE AND DESIST ALL COLLECTION EFFORTS!
09/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	KY 40216	Web
This debt has been paid directly to the original owner of the debt, a local Utility company. They have been accepting payments on this debt for months now, and it has been paid in full as of XX/XX/2019. While the full balance has not updated as yet, this debt collection company has no right to keep reporting an incorrect account on my credit report. I have been in negotiations with the original owner of the debt, and have been paying since XX/XX/2019. They have been willing to accept payments, and I have discussed deletion with them directly. I have no contract and therefore, nothing to negotiate with this debt collection company. Please delete this account from your records as soon as possible.
08/24/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91316	Web
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. They address they provided to reach them is not accurate and the mail was returned. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus.
06/04/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 23225	Web
I received a letter by mail that was sent to my forwarding address to my po box when I got the letter from Contract Callers it stated that I owed a balance in the amount of {$200.00} the company provided a response letter that I could respond back by mail disputing the debt. I responded back with the letter they sent out also I provide documentation that I had made a payment on account and also XXXX XXXX XXXX XXXX had made last and finale payment on this account before I had the service disconnected due to move out on XX/XX/2022 then I received calls about debt and said that the debt will be reported to credit bureau. The debt was reported on my credit and have damaged my credit.
03/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23434	Web
CFPB PLEASE REVIEW IN ENTIRETY CCI has continuously tried to collect on an alleged debt that I the original creditor has not validated nor do CCI have the right to collect. I did not provide consent to CCI to house my personal information no report to the consumer reporting agencies without my consent as a federally protected consumer. CCI has continued to illegally communicate with me with harassing language and violations ( attached ) not in accordance with Federally protected laws. I have experienced marital issues due to the information that CCI is illegally reporting without my consent as well as inability to purchase a home due to adverse items listed on consumer reports.
04/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60634	Web	Servicemember
On XX/XX/XXXX I contacted Contract Callers Inc, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX to inform them Ive been a victim of identity theft and the account they are reporting on my credit file is a direct result of that identity theft. I have sent Contract Callers Inc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX a police report I filed with XXXX Police Department and communication made with the Federal Trade Commission about the identity theft. Contract Callers Inc has not contacted me or removed the account from my credit file. I believe this company is violating my consumer rights and I will seek legal representation if this matter isnt resolved soon.
03/24/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	NE 68104	Web
I filed ChapterXXXX bankruptcy on my accounts in 2005, which I 'm NOT of proud ; but during this BAD TIME I lost a high paying job and got divorced, which left me no other choice but to file!!! Then 9.5 years later after I am finally getting my life back on track a collection company sends me a THREAT letter that I need to pay on an account included in my bankruptcy, and I have PROOF of this. I called them and they say they will clear this up, but since they did n't ask for PROOF even though I offered CASE # and Amount paid just to prove myside, but got worried that I offered more than they asked for. I want to make sure I 'm NOT BRING SCAMMED - Thank You for your help!!
10/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	VA 237XX	Web	Servicemember
I had all 3 credit bureaus remove an old debt from XX/XX/2014 ( estimated ) that XXXX sold to a debt collector named Contract Callers Inc. due to not having a contract with Contract Callers Inc and the age of the debt. They disputed my dispute and XX/XX/XXXX and XXXX XXXX added it back to my report. Contract Callers Inc made the debt date new and they continue to report this old debt of {$100.00} over and over. Had I not challenged it, it would have already dropped off my report on its own ( I didnt owe XXXX that money anyway but thats not in play here ). Its unfair this company has extended the time period it shows on my credit report. It should be removed immediately.
07/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75024	Web
CCI - Contract Callers Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. ( XXXX ) XXXX XXXX : XXXX XXXX me a collection letter on a debt that does n't exist. I phoned the original account holder XXXX XXXX and verified there was no debt. The account was clear with all on time payments. CCI is trying to collect money fraudulently by obtaining account numbers and posing as if there is an active debt. Once I contacted CCI they must " check the validity of the debt '' and will not send any correspondence regarding their invalid fraudulent claim/debt on the account. This business practice is unethical and needs to be addressed and investigated by the governing bureau.
06/11/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23456	Web
The original creditor was XXXX XXXX XXXX I received a letter to my address I lived at for 12 years stating I had {$600.00} bill to a address I never heard of of lived I reported it was identity thief sent all the documents proven I never lived there now its has been on my credit with a new debit collector I have spoken to new collector and all 3 credit bureaus to get removed and disputed numerous of times. And when I speak to the collector they continue to say to me they have reported to all 3 credit bureaus of the inaccuracy but it still comes back as accurate this has been going on back and forth since 2018 and it just seems its not getting resolved
11/29/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 236XX	Web
I have sent Contract Callers Inc a letter requesting validation of a debt they claim I owe. I asked for a contract bearing my signature agreeing to pay the debt. Contract Callers Inc sent me a letter and statements showing no proof or contract with my signature agreeing to pay the debt back. If they was able to get a statement from the original creditor than they should be able to get a contract as well. Therefore this debt in not valid and must be removed imminently. I offer to pay for deletion if they were able to prove this debt was mine and heard no response from Contract Callers Inc. please delete this account as soon as possible
07/28/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30281	Web	Servicemember
I have filed a complaint on Contract Callers INC with CFPB, FTC, XXXX, Georgia Attorney General, XXXX XXXX, all three major credit bureaus, Contract Callers Inc and the utilities commission and have not received a response yet. This debt was paid directly to XXXX XXXX. CCI is reporting that debt was paid to grantor. That entry is preventing me from achieving financial goals in my personal life. I have never done business with this collection agency. I want the to delete the entry and remove my information from their data base immediately. This is the second time I have complained with the cfpb regarding Contract Callers Inc.
10/24/2018	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07065	Web
This agency, Contract Callers Inc, appeared on my consumer credit report. That was the first time Ive ever heard of this agency. They did not attempt to send me any mail regarding this alleged debt prior to reporting it to the credit bureaus. After seeing it on my report, I mailed this company a letter in XX/XX/2018 requesting them to verify this debt as required by law. It is not XXXX of 2018 and they are still reporting this on my credit report and failing to remove it from my report I have also attempted to contact the credit bureaus and have them verify this debt. They also are unable to verify and continue to report.
07/11/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 455XX	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
03/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 38501	Web	Servicemember
I contacted this company Contract Callers Inc of Georgia about an entry on my credit report. I sent this company several letters which they received. I disputed the entry and asked Contract Callers inc to validate the debt by sending me proof that i owe them this debt and that they owe the debt they were trying to collect on. Contract callers inc never responded. In fact contract callers Inc marked my debt as paid. I never had a contract with this company, I never paid a dime to this company. This company has violated my right on many levels. Failure to provide validation of debt, illegal entry on credit report.
08/18/2020	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 XXXXX	Web
I have a loan with CONTRACT CALLERS INC ( Original Creditor : XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CONTRACT CALLERS INC ( Original Creditor : XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
09/18/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KS 66062	Web
Contract Callers Inc, XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX Phone : ( XXXX ) XXXX I submitted a dispute on my credit file, but the company insists that the debt is mine. I have requested that Contract Callers verify the debt twice, but they only send me a printed screen shot of their billing system. I have advised Contract Callers that I did not live at the address during the billing dates and I had cancelled my service several months prior to the dates they provide. The debt collector is unable to provide any other verification of the debt but they still will not remove the debt from my credit file.
10/17/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33311	Web
I received a letter from this collection company Contract Callers, who illegally accessed my credit report prior to this letter. The amount in question is due to effects of the pandemic and the company they represent kept my security deposit. Why isnt this amount from the original company paid off? I have never heard from this collection company and the wording in their letter suggests my credit will be affected if I dont pay. Im still trying to recover from the pandemic and would appreciate if they do not access my credit without my consent or send threatening mail to my family members home address.
08/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WI 53216	Web
On XX/XX/2020. Contract Caller Inc added a derogatory mark on my credit report per Identityiq. Upon, further research, this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or SIGNATURE for this accused debt at all. A bill without a signature does not validate the debt and anybody can send me a bill and say its mines. According to the FCRA Contract Caller Inc has violated my rights in multiple ways and I'm requesting legal action to remove this account Immediately.
12/11/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 36301	Web
I called customer service several times to inquire about an account that I see on my credit. When calling I have spoke with several different agents and supervisors. They have all told me that they can not find my account in their system. I have asked to have the account removed from my credit report due to the fact that they can not find any information in their system in regards to my social security number and name and they are refusing to do so. I have also asked for them to send me written validation of this debt and they have not done so. I have spoken to XXXX XXXX and XXXX who is the supervisor.
12/21/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	TX 76131	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions.
02/02/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 606XX	Web
Over thirty days has lapsed and I still have not received a written response to my debt validation request. I am trying to purchase home and my credit score dropped about 90 points as a result of this account being reported to my credit report. To date, I have yet to receive any kind of phone call or written notification regarding this supposed debt. I do know how or why someone can place something on your report without contacting you first. I have no knowledge of this debt or any monies owed to who they say i do. That is why I wanted them to validate the debt and they are not responding to me.
07/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MO 63123	Web
In 2014 I was in the process of signing a lease for an apartment complex. I was instructed to have gas service activated and show proof of receipt for the application process to be completed. My spouse paid the balance of {$110.00} in full and recieved a reciept for the paid account. This account has been paid for a significant amount of time and suddenly appears incorrectly on my credit report as a debt collection. Company is trying to claim several forms of payment.I have tried contacting Contract Callers Inc, and they do not have any documentation regarding validity of this debt.
01/24/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 23703	Web	Servicemember
Contract Callers Inc is reporting a collection with account number XXXX on my consumer credit report. Contract callers Inc was never given consent to share my information with any third parties such as credit reporting agencies. Also me the consumer was never provided a written notice of debt validation from contract callers and with that being said contract callers is in violation of FDCPA and this collection account is to be removed from any and all consumer credit reporting agencies that it is being reported to or the FTC will be notified of this violation of my consumer rights.
10/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 190XX	Web
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Please confirm the information shown in these collection accounts. The unverified accounts listed below are still reporting on my credit report in violation of Federal Law. These accounts were already PAID. I am no longer indebted to this company or its practices. Send any and all documentation that validates your investigation and comments and that the XXXX Credit Bureau is legally allowed to report these on my credit report. If unable to, remove the accounts immediately.
01/05/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MA 01824	Web
I have received my credit report from XXXX. I am copying/attaching the detail of report below : CONTRACT CALLERS INC XXXX {$120.00} - - - AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone ( XXXX ) XXXX Date OpenedXXXX ResponsibilityIndividual Account Account TypeOpen Account Loan TypeCOLLECTION AGENCY/ATTORNEY Date UpdatedXXXX High Balance {$120.00} Original CreditorXXXX XXXX XXXX XXXX Past Due {$120.00} Pay Status>In Collection< Estimated month and year this item will be removedXXXX Please note that the Collection Agency has not contacted me regarding this matter.
04/15/2023	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NJ 078XX	Web
Upon researching my credit report it looks like Contract callers is trying to collect a debt in a state where they are not authorized to do so, also I never had any dealings nor signed a contract with Contract callers nor did I give them permission to use my information and report it to the CRAs under 15 USC 1681b permissible purpose this account should be immediately deleted I was able to send a verification of debt on XX/XX/2023 attached ( exhibit 1 ) I then checked XXXX and they verified that Contract callers is not authorized to collect in the state of NJ ( exhibit 2 )
05/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 22032	Web
I have reached out to Contract Callers several times about removing the collections on my credit report. They assured me over the phone that if I paid the remaining balance that they would immediately remove the collections from my account. However, it is still sitting on my XXXX report. I called them to make them aware of the situation, and they told me to send screenshots and that they would remove it. That was almost a month ago and it is still on my report. I would like for them to honor what they said and remove this collections account from my report completely.
07/29/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 328XX	Web
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account XXXX Collector : XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Unpaid Balance
07/05/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	DC 20010	Web
I had a derogatory remark appear on my XXXX and XXXX reports for a debt of {$120.00} from CONTRACT CALLERS INC opened on XXXX that I was never contacted about. It says the original creditor is XXXX XXXX XXXX XXXX. I last used XXXX in XXXX of XXXX, when I moved from my apartment in XXXX. I closed my account. I have tried contacting ComED to see if there is an open balance I was unaware of an they have nothing on their record. The Contract callers have never contacted me about this so called debt but they keep filing derogarotry remarks on my XXXX and XXXX reports.
01/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30078	Web
This account was opened by the gas company for an apartment I never moved it due to the leasing office requiring the services be set to begin. I was in the hospital unexpectedly and told them I would not be moving into the apartment when they called to set up start date. The original company claimed there is no note of me saying that and that I moved the date. Completely incorrect. The company has sold the debt for utilities I never used. Leasing company for apartments refuse to take responsibility and utility company is deeming me responsible. I do not agree.
04/30/2018	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	NC 27587	Web
When I answer, the person gives me a name, but refuses to state WHY they are calling. I do know that I owe 2 companies that I plan to pay ; however, when this number calls, they just keep asking ME my name, etc., and refuse to say who they are calling for. I therefore am not even sure if they are calling me correctly, for whom they are calling, or who they are. It is hard to discuss what I assume is a debt when they do not say what company they represent. They also call SEVERAL times a day, including while I am at work and can not answer the phone.
10/25/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	GA 30038	Web
XXXX are trying to collect a debt which I do not owe. They are trying to collect a debt under two different account for the same company. I told the company that all debts and claims for XXXX has been fully resolved. They closed the 1st debt for this company however they are refusing to closed the other debt they claimed I owe for the same company. I sent a dispute letter on XX/XX/XXXX requesting further verification and proof within 30 days, today XX/XX/2016 I still have not receive this from the debt collector or confirmation that it has been closed.
11/13/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27540	Web
Someone called asking me to confirm my identity with my address and last 4 digits of SSN. I asked for her to identify what company she was calling from, and she said something like " corporate accounts '' but wouldn't tell me any other details without confirming my identity. Once I did that she said she was collecting debt from the Illumination Company in Ohio, where I used to live. I do NOT have debt with them - my balance is {$0.00} and was always paid on time. The number she called from was XXXX. I am now worried my identity will be compromised.
11/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NV 89183	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the CONTRACT CALLERS INC account still remains on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
07/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	KY 40219	Web
Contact Callers keeps harassing me via phone over a debt placed by XXXX XXXX. The account begins # XXXX and is for a electric bill in the amount of {$440.00} that they state is now {$600.00}. Ive asked both XXXX and the debt collector for a debt validation letter to be mailed to me for months and have yet to receive anything. I have and continue to receive harassing phone calls daily. I have Never lived at the address in file with XXXX XXXX and can show proof with my current lease that I was in the same location from XX/XX/2017 to Present.
11/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30349	Web
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. CONTRACT CALLERS account is inaccurately and erroneously reported in XXXX and XXXX Bureaus. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
02/13/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OR 972XX	Web
I asked to file a claim and contact the utility company that charged me {$240.00} for a month that I wasnt even living in the residence and it was the highest amount theyve ever charged. The meter was projected for use not actually read. ( XXXX XXXX XXXX. ) Im filing a claim with the FTC against XXXX XXXX XXXX, but I was told the debt collection company, Contract Callers Inc would report back with my claim before anything went on my credit report. That did not happen. {$240.00} has brought my credit report down to the mid XXXX.
08/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	UT 84118	Web
I am working on repairing my credit, so I have been using XXXX XXXX. One of the derogatory marks, has an origination date of XX/XX/XXXX, through a collection company, called Contract Callers Inc. The original debt, being from XXXX. Any account I had with XXXX, would have been from XXXX. I called the company in question, to inform them of the mistake, but they refuse to change the date. My problem is, if they are allowed to continually change the origination date, this debt will never go off my credit. The debt is for {$1400.00}.
04/05/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NV 89117	Web
Contract Callers Inc Opened XX/XX/2018 This account was re-aged illegally and I was not informed about it being put on my credit report. I have kindly called the original creditor ( Which they told me to talk to the collections, because they shouldn't of had my account re-aged ) and I have also called the collection agency. They just wanted to collect debt, and never answered about the re-aging part question. This debt is more than 4 years old and should not be posted as it is new. It was included in chapter XXXX bankruptcy.
10/31/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	SC 29360	Web
I did n't receive a notice of right to dispute. I sent Contract Callers a letter over 30 days ago about this account and the original creditor information and have n't not received any information. Also, I wanted this collection agency provide proof that they have been given the right to collect the debt or they have purchased this debt. Per FCRA, I have the right to sue this collector for reporting negative information without validating and providing false information.If this account is not deleted I will file a lawsuit.
01/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 329XX	Web
Im contacting you in regards to a notice stating that I owe {$3700.00} to XXXX XXXX XXXX, located in XXXX. Ive never been to XXXX and Ive never lived there. I contacted the company to see what was going on and they had no record of me ever dealing with them. This is a complete scam from some collection agency called Contract Callers Inc. Can you please help me with getting this fraudulent claim and charge off of my credit report and help me get my credit score back to where it was before this scam happened? Thank you
07/24/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77082	Web
XXXX leaked my personal information as well as the information of over 143 million Americans. This situation has affected me mentally as well as damaged my overall credit score and credit health. The three major credit bureaus XXXX XXXX and XXXX are now reporting accounts to my credit file that are a direct result of Identity theft. Credit reporting laws ensure that bureaus report only 100 % accurate credit information, and every step must be taken to assure the information reported is completely accurate and correct.
03/08/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60008	Web
I am receiving harassing calls from XXXX which claims to be Contract Callers, a debt collection agency. They say I owe XXXX XXXX over {$2000.00} and they want me to make a payment. I have a XXXX XXXX account and my limit is XXXX what they say I owe and I pay my XXXX XXXX card minimum payment every month. Furthermore, I check on my credit report every month using XXXX XXXX and there is no such outstanding debit. Please help me. They are calling my cell phone while I am working. How can I stop these harassing calls?
06/26/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	VA 244XX	Web
the person they keep calling for does not reside here. My number they call is for work related calls only, and is not given out for contact by anyone. I asked them to stop calling and to add my number to their do not call listed, but they said they do not have a do not call list. this is getting very annoying since they call so early waking me up. this morning it started at XXXXXXXX XXXX and the company information is Contract Callers Incorporated Address : XXXX XXXX XXXX # XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX
11/11/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 449XX	Web
I have resolved my identity theft issue with the original creditor. Contract callers XXXX states that they have requested this be removed from my credit clear back in 2017 yet it remains on my credit report. I have attempted to resolve this with CCI but they refuse to contact the credit reporting agency again to have it removed because they technically do not own this debt any longer. XXXX XXXX XXXX are all still reporting this as an open debt in collections when in fact it has ben closed since 2017
11/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT XXXXX	Web
Contract Caller Inc is reporting an erroneous debt on my credit file. I recently check my credit file and noticed this debt. I never received my phone calls, notices, or letters about this debt. If I would have know of this debt I would have paid it so that it doesn't report to my credit file. I have called and paid it immediately after seeing it on my credit file and it is still reporting a balance. I need this fixed/removed from my credit file ASAP as it is interfering with my finances.
05/09/2020	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	NY 11236	Web
This letter is your formal notice to cease your unauthorized inquiries into my credit report and a formal demand that you immediately contact the data furnisher, where their organization has made inquiries into my credit history, to have these illegal inquiries removed. Be advised that I will be checking my report to insure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Contract Callers Inc XX/XX/XXXX
10/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77365	Web
I have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
01/20/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 44145	Web
When living in my home at XXXX XXXX XXXX in XXXX XXXX, Ohio, I was evicted by XXXX which later was sued. When leaving the home, I contacted XXXX XXXX to let them know I was leaving the home and would not be residing in the home any longer. I was advised by the customer service representative to leave the gas on and someone would follow up, so not to let the gas lines " Burst. '' I did so, then received this utility bill which continues to show on my credit report as a derogatory mark.
11/02/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30033	Web	Servicemember
Hello and thank you again for having a look into this matter for me. Since XXXX I have done everything within reason and legally to the best of my ability to get this company to do the right thing. I have mailed off letters asking them to prove the debt and help me understand how it is mine as they claim. They have failed to do this within 4 months and I am now seeking help from CFPB. CONTRACT CALLERS INC/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Claiming I owe them {$130.00}
05/14/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	IL 601XX	Web
A woman called my work number and asked for my name. A person asked why. She wouldn't answer. She said do not call this number again ( co worker not me ). She called again and I told her to not call, she laughed, and she also gave out personal information without really knowing if it was me, given, its not my personal number. They are harassing me and I asked them to stop and they shared private information illegally. Company : Contract Callers Inc Phone number on caller ID XXXX
05/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78746	Web
I received a copy of my credit report and found an account that is a result of fraud. The account is being handled by a collection agency. The original creditor is the XXXX of XXXX. The account was for a utility for a home that I never lived or was associated with. All of the other accounts that were associated with this address have been removed due to fraud. This account is the only account that remains. The account is : CONTRACT CALLERS INC with a balance of {$980.00}
04/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 238XX	Web
This account is fraudulent activity I did not authorize anybody to sign me up for this account with this company if this doesnt get resolved ASAP I will use legal actions according to the federal law the debt that this company is trying to Collect for me was sold and not being authorized to do so I am obligated to use legal actions I want this account to be removed off my credit report as soon as possible if this doesnt get resolved legal actions will be pursued it.
07/13/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	VA 23669	Web	Older American, Servicemember
I have told them repeatedly on their web site that I am a XXXX veteran who owes no money to nobody and that they have a wrong number. I have reported them to the DO NOT CALL list. They continue to call day after day, interrupting everything I do. It is very stressful and I once got a call from them at XXXX XXXX on a Sunday. Innocent people should not be treated this way, and those responsible, had we a solid system of justice, should be in prison for a long stretch.
05/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30083	Web
This account is not valid nor is it mine. I have never lived at the address associated with this XXXX XXXX account and request that this inaccurate information is deleted off of my credit history. I have only resided at XXXX XXXX XXXX XXXX XXXX, GA XXXX. Any and all documentation that I have can prove this to be in fact true. This account is fraudulent and no debts owed. I have filed disputes against this company with no correspondence in return for the past year.
02/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60647	Web
I have an outstanding balance of {$1200.00} originally from XXXX XXXX XXXX XXXX XXXX. I was unable to make the original payments because I was living with XXXX roommates that didn't pay me for their portion of the gas bill. I've called the gas company and the only resolution offered was a payment plan. I haven't yet been able to enroll in the payment plan due to a current financial hardship. I'm currently in collections for this debt from CCI ( Contract Callers ).
05/19/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30046	Web
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
02/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	VA 23831	Web
Account Name : CONTRACT CALLERS INC Original creditor : XXXX XXXX XXXX {$820.00} I was going through Chapter XXXX bankruptcy. This has been resolved through Chapter XXXX bankruptcy. Contract callers have incorrect dates for the account. I have reached out and disrupted this account with all the credit bureaus. I have attached supporting documents for your review. Please let me know if you need any additional information on my end. Thank you for your attention.
06/11/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85286	Web
I received a letter from Contract Callers Inc on XXXX XXXX , 2017. The letter was forwarded to my new address from an address i no longer resided. Contract Callers Inc, is attempting to collect a debt that is NOT mine. i request th at Contract callers Inc. provide verification AND validation of this bill. provide the name, amount owed, signature of contract, address, tenants of this rental property for this inaccurate utility debt, dates occupancy.
02/20/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CT 06606	Web
I got alert from credit reports this about this collections company. I've never owed had XXXX account. I contacted XXXX customer service I was given very little information as they couldn't verify my info on file I was giving them and told me this is most likely fraud account. I opened dispute on XXXX and this collections is coming back as accurate. I've never owned had XXXX services. I have same company for over 20 yrs. They have Wrong person in collections
02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Billing dispute for services	CA 95901	Web
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a balance of {$580.00} I have never done business with this company they probably bought the so-called debt off of XXXX XXXX XXXX and which I just found out that is illegal companies do not have the right to sell your personal debt to dedic agencies after XXXX XXXX they can not collect on it this is about this is about XXXX XXXX XXXX
08/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	PA 18360	Web
I just opened a XXXX XXXX and noticed Derogatory marks from Contract Callers Inc XX/XX/2018 saying I owe them {$77.00}. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this. I would like thi off my credit as soon as possible due to the fact they have the wrong person and inaccurate information.
09/16/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PA 19134	Web
Contract Callers placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request Contract Callers to remove incorrect information off my credit report. More importantly, Contract Callers are in violation of FACTA section 623 ( A ) ( 7 ).
08/10/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PA XXXXX	Web
Contract Callers placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request Contract Callers to remove incorrect information off my credit report. More importantly, Contract Callers are in violation of FACTA section 623 ( A ) ( 7 ).
04/15/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85712	Web
On XX/XX/XXXX I was alerted by XXXX XXXX that Contract Callers Incorporated reinserted a previously deleted debt. Contract Callers Incorporated reported the collection date as XX/XX/XXXX. I believe this is an attempt to falsely reset the statute of limitations for debt collection. I was never notified about the reinsertion. I called and requested the false information be removed. Contract Callers Incorporated has refused to remove this falsified report.
07/12/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32208	Web
THE ALLEGED ACCOUNT WITH CONTRACT CALLERS INC WAS PLACED ON MY CREDIT FILE AFTER THE ACCOUNT WAS PROVEN NOT TO BE MY ACCOUNT FROM TWO PREVIOUS COLLECTION AGENCY XXXX AND XXXX XXXX XXXX XXXXXXXX BACK IN 2016 THEREFORE THE ACCOUNT IS NOT VALID AND HAS NOT PROVEN THAT THE ACCOUNT IS MY ACCOUNT AND NEED TO CEASE WITH COLLECTION ON A FALSE ACCOUNT. I HAVE REACHED OUT REPEATEDLY TO CONTRACT CALLERS TO VERIFY THE ACCOUNT AS BELONGING TO ME BUT WITH NO VALE.
03/06/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 23666	Web	Servicemember
This company is called Contract Caller INC, ( XXXX XXXX XXXX XXXX ) open XXXX, placed in collection on all credit reports. I have know knowledge of this company, never had an account with them. The balance they are trying to collect is from XXXX XXXX XXXX XXXX which that account has been paid in full directly to the original company. which is XXXX. The is paid in full. I have know knowledge of this company have never had no dealing with this company.
07/07/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 12603	Web
I found in XX/XX/XXXX on my XXXX Credit Report a collection account from Contract Callers, Inc in the amount of {$11000.00}. This is listed as assigned XX/XX/XXXX. To this day XX/XX/XXXX I have not received any documentation, phone calls, no correspondence at all, I have a right under the FDCPA to validate and dispute this debt. I wrote to the company on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have not received anything from Contract Callers, Inc.
10/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 95843	Web
Chief Compliance Officer XXXX XXXX employed XXXX Contract Callers Inc.n sent letter dated XX/XX/2021 via United States Postal mail alleging that I owe a debt with a positive balance of {$37.00} for XXXX XXXX XXXX XXXX XXXX. I DO NOW OWE THE ALLEGE DEBT. CONTRACT CALLERS INC employee and all others involved have committed identify theft by stealing my name and using it without my authorization to do so pursuant to fraud and scams under CFPB.gov
10/29/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 601XX	Web
I have never received anything in writing about this debt and it has been placed on my credit report as a collection. I believe this may be a time barred debt from XXXX, yet the collection agency put this on my report as if it was opened in XXXX of XXXX. The statute of limitations has passed on this debt and I would like for this to be removed from my credit immediately and for all the " hang up '' and repeated phone calls to end immediately.
12/26/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85353	Web
The debt showing on my credit reports is not mine. The account states that it was opened on XX/XX/XXXX. During this time I was incarcerated until XX/XX/XXXX. There is no way I could have established this account nor give anyone else permissions on my behalf. Based on the information showing on my reports, I cant even identify what type of account this is. However, I do know that I was not in the position to have opened this frivolous account.
11/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95240	Web
In regards to case # XXXX I just realized that this agency is doing this illegally. XXXX XXXX is from XXXX and this is how this bogus account came to being because XXXX told his associates to make up this debt to collect it from me. He knows about the code enforcement and the XXXX being aware that he was illegally pirating power and putting the charge on my account. I have my closing bill from XXXX, XXXX. and I will enclose it as a attachment
03/21/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 233XX	Web
I have tried to contact Contract Callers directly about this issue. They have placed my account in collections in regards to an alleged debt that I DO NOT owe. This collection is showing on my credit profile and is tarnishing my credit worthiness. This company has yet to show proper validation proving that I owe this erroneous debt. Contract Callers are absolutely horrible. They don't even attempt to follow proper validation measures.
08/17/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78745	Web
I already paid this debt off to the XXXX XXXX XXXX and as of XX/XX/2019 I am paid up/paid off all debts owed to the XXXX XXXX XXXX. This amount listed from Contract Callers is not only inaccurate but it is false, I want this removed from all 3 credit bureaus. I can show a bill that shows my account was current and still being billed on the date the Contract callers dinged my credit profile for the false amount of {$410.00} shown.
07/30/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30047	Web
Contract Callers is trying to collect a debt from XXXX XXXX that was opened fraudulently by someone else. I did everything I was supposed to do under the fair credit reporting act and disputed this as fraud. I asked for the bureau to block the item and forward the dispute to CCI as fraud. The bureaus did NOTHING and CCI did nothing. Is the Fair Credit Reporting Act still viable in this new administration? Do I still have rights?
01/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77373	Web
CCi is a collection company reported on my credit report in XXXX i notice the account and disputed it with the three credit companies explaining in my dispute this is not my account it was open fraud i sent in my police report and driver license XXXX and XXXX told me the account was verified and continue to report this on my credit report the could have not verified because i never open this account and its a fraud account
05/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07108	Web
I Disputed These Accounts as Fraud CONTRACT CALLERS INC Opened XXXX & XXXX XXXX XXXX Opened XXXX & I would Like them to Be Removed Or Reported as Such as They Are In Violation Of 15 US CODE1681C-2 - a consumer reporting agency shall block the re- porting of any information in the file of a con- sumer that the consumer identifies as informa- tion that resulted from an alleged identity theft, not later than 4 business days.
06/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MS 38655	Web	Servicemember
I received a phone call from contract callers inc. Saying i had a XXXX insufficuent funds check from XX/XX/XXXX of {$370.00} that needed to be paid. They said the check was from XXXX and i have never had an account with this bank. I told the man must be a mistake because this is XX/XX/XXXX and if i owed XXXX money i would not still have phone service 7 years later. Must be a scam ... trying to get money over the phone ...
05/13/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46410	Web
I contacted contract callers, I notified them that this account was identity theft. I also submitted certified letters, affidavit,, driver license, social security card, a copy of my identity theft report, a copy of notice of furnishers, a copy of 605B, asking them to please remove this account from my credit report. I have gotten no response. I have made phone calls and sent follow-up letters. last one sent XX/XX/20
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 Contract Callers ' 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 Contract Callers 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.
05/28/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CO 80205	Web
This information was already removed from my report and has since been added back on. The company was not willing to let me pay it with them even though it was an account someone else put in my name. They said there was nothing they could do because it was sold to a collections agency. The agency harasses and calls non stop and refuses to state who they are. This blemish was removed and should return that way.
05/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MI 48327	Web
Received a phone call today ( XXXX ) from ( XXXX ) XXXX stating they were calling to collect a debt from XXXX from XX/XX/XXXX. When I asked to verify what was purchased, she stated because the debt was so old, they would n't have that information. She said the company was " contact calling ''. I refused to communicate any further without proof of purchase, as it was almost 20 years ago. Do n't call me again.
09/25/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA XXXXX	Web
Letter was sent to collection agency and received XX/XX/2018 per their stamp on my letter. Letter asked for them to validate the debt information I pulled from my credit report. I never received notification of this debt from the collection agency. Their reply advised me, they searched their database and are unable to determine if I have an account in their office with the information I provided.
03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30331	Web
I sent in a letter to the XXXX XXXX to validate debt. The debt amount was for {$1100.00} to XXXX XXXX, from XXXX. They received the validation letter on XX/XX/XXXX. They Never sent a letter back to validate the debt. When I called them they continued to hang up on me. Then gave me the run around and then hang up on me again. They have failed to removed the debt after not responding within 30 days.
01/24/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 201XX	Web
I am filing a complaint against Contract Callers Inc/XXXX XXXX. Account number XXXX. The amount owed is {$70.00}. My complaint is they failed to send the last bill to your home address and it turned into a collection. If they would have sent the bill to the right address it would have been paid. This has costed me between 100-150 drop in my credit score and is affecting me refinancing my homes.
11/04/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30344	Web	Servicemember
I contacted Contract Callers Inc with a Validation letter sent via certified mail. I received their response via mail XX/XX/18 which did NOT include any signed documents/contracts as evidence I agreed to pay them any amount of money they say I owe. They have refused to remove this inaccurate info reported in my credit file with XXXX, XXXX, & XXXX which is a clear violation of the FRCRA & FDCPA.
03/27/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60004	Web
The only way I learned of this debt collection was that it was reported on all three of my credit reports. I disputed this several times on XXXX XXXX and XXXX XXXX removed it from my report. However, TXXXX and XXXX are being difficult and not removing this after I replied that I have no knowledge of this account. I never received any information regarding this debt by phone or in writing.
04/04/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 28269	Web
I had a previous account with Gas south which was paid off to the original creditor and Contract callers stated i owed them money and put a collection on my credit profile and after i showed prove it has been paid off to the original creditor XXXX XXXX. Contract callers updated my collection status on my credit as paid in full instead off deleting it Because i never owed money to begin with.
09/25/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 95472	Web	Servicemember
I did not get notified about this debt. It appeared on my credit report. I sent a letter asking them to validate the debt and they could not. This debt was opened in XXXX of 2019 in the amount of {$360.00}. I asked them for a full accounting which they could not provide. This account is on my credit report and they cant even show it belongs to me or where they got the balances or anything.
06/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11704	Web
I recently created a credit monitoring account in hopes to be informed about my financial standing because I am ready to start the process of purchasing a new home however, while checking my credit monitoring sights. I noticed a few errors on my credit report that I believe to be inaccurate and fraudulent. I would like for these accounts in this complaint to be removed as soon as possible.
06/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30331	Web
On the date of XX/XX/2020 I disputed charges that are inaccurate and obsolete that are affecting my Credit score. These charges were disputed with Credit Bureaus XXXX, XXXX, and XXXX. The false charges are listed below. Disputed Item : CONTRACT CALLERS INC ( ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ) Allege Amount Owed {$200.00} I have No knowledge of this accounts.
11/14/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX XXXXX	Web
Contract Callers - Tel : ( XXXX ) XXXX This company is listed on my credit report claiming to be a collection agency for XXXX. However, I pay XXXX directly. Not through and outsourced agency. I would like them to remove their negative remarks from all of my credit reports through each credit bureau, and issue a formal apology for the continued garnishment of my credit rating and score.
08/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA 98042	Web
I do not have a contract or gave permission to this company. This debt was paid to the original company. This debt was illegally given to these people against my knowledge until it showed up & I was alerted of it being place upon me. There are false addresses placed on my XXXX XXXX report that needs to be removed as well. I tried to remove them but they returned back up on my report.
03/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77449	Web
I recently received a email letting me know my credit report changed when I checked I saw that there was a collection account in the amount of {$120.00} dollars. I never received any information vial phone call or mail about this collection. I have no knowledge of where this could have came from. I am also a victim to Identify theft and fraud alerts have been placed on my credit report
01/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 360XX	Web
I saw a bunch of unknown collections in my report and I am wondering why they ended up under my sleeves. I want these accounts be removed because they are not mine and it really ruins my scores so bad. It will be a great help if we will enforce what is right based on FCRA. I have researched about this and I am sure that my rights were violated by simply reporting an inaccurate report.
10/03/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32506	Web
Contract Callers Inc used fake verification after I asked them to validate the dept this collection is not mine and I want them remove from my credit report on the bill statement they sent XXXX has the total due date XX/XX/2018 but on my credit report it says that this account with contract callers was open a year ago. The dates do not match up and also has the wrong address on it
07/23/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 238XX	Web
Contract Callers Inc is listed on my credit report. There has been no verification provided to show that I had or have any liable obligations to make payments to Contract Callers Inc for any type of services. They are collection a debt which I have no debt that is owed to their company and they have not provided me with any information or verification showing that I owe this debt.
01/08/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OH 44319	Web
I file a complaint and I didnt receive any validation of debt. I do know they in violation of 1692c ( a ) they are a third party and I never gave them consent to contact me. Also XXXX XXXXXXXX is in violation of bill error 15 usc 1666d. Also bills and coupons are obligations of the United States pursuant to 18 usc 8. So I dont owe anything to the XXXX XXXXXXXX sent out a coupon.
06/28/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30180	Web
This usurper company has been harassing me about a debt that I do not owe. They keep calling and after I give them my name and date of birth, will not give me full disclosure and did not read to me the mini miranda as required through the FDCPA for the state or federal. They have obtain my private information without my express consent or authorized signature and are scaring me
05/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85027	Web
I paid Contract Callers the debt that I owed them of XXXX and that status should be paid in full. They reported the same debt XXXX on my XXXX report and only closed XXXX of them. I have an open collections for XXXX that needs to be completely deleted as they only closed XXXX of them as paid in full. So it looks like I had XXXX collections rather than the XXXX that was valid.
04/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 125XX	Web
Debt Collection Company, Contract Callers, filed a collection account onto my credit report for a {$850.00} utility bill. I do not not know who they are. They never contacted me in anyway prior to this. I also dont own a home or pay a utility bill so this is clearly not a bill I owe. I disputed it through the credit reporting agency XXXX and they did not take it off my report
10/10/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 93117	Web
This company is posing as a debt collector and phishing for personal information. They called and asked me for my address and last XXXX digits of my social. When I refused and asked them who they are, they hung up on me. If it was a legitimate debt collector they would have that information or would be willing to answer my questions. CCI Contract Callers Inc. XXXX, GA XXXX
05/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 357XX	Web
There is a collection account that just appeared on my credit report. I have no idea what this is or who this is for because I have received no communication from anyone regarding this debt. Because of this, I can not confirm if this is a debt that would have been owed nor was I given the opportunity to dispute this debt should it be found to be incorrect as required by law.
03/21/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 171XX	Web
On XX/XX/2020 @ XXXX XXXX.EST spoken with XXXX and attempt made to discuss debt with original creditor XXXX XXXX XXXX. Immediately representative stated " speak with collection agency who is now handling the account, debt must be satisfied in full ''. The amount is XXXX. During this time of crisis, I'm requesting debt sent to original creditor for payment plan options.
06/08/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MN 551XX	Web
My dispute is addressing the Contract Callers INC in the amount of {$3700.00}. This account was sent for collection by XXXX XXXX XXXX XXXX for an account in XXXX, Ohio. This debt was created without my consent by a deceased family member, either before I was the age of XXXX or without my consent due to the fact that I have never been the renter or owner of a property.
06/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 230XX	Web
I have a delinquent/collection account that was paid off and has a balance of {$0.00}, however it is still reporting to the CRAs. It is against the law to report a paid and XXXX balance collection. I have contacted the company numerous times and was told the account would be removed from the credit reporting agencies. This account has been paid off for years!
09/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 23456	Web
Contract Callers continues to report a debt on all three credit reports that was recalled by XXXX XXXX. This is not Contract Callers debt and they need to relive from credit reports. They have not sent any mail to me verifying this debt and are violating FCRA laws by not removing a recalled debt and not sending verification of such debt they claim I owe them.
02/28/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33446	Web
I have an account with Contract Callers, Inc ( CCI ). I have sent both verification and validation letters with no response. I am asking to see my original contract and how this collector came to own my debt. Because they can not validate the debt and I have not seen any proof that they own it, I believe that the debt should be removed from my credit report.
03/10/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	SC 29456	Web
I was contacted by a collection agency. The agency information was incorrect. The address, visa card bank name and amount of {$5000.00} was definitely not me. The agency name and email is XXXX I will be providing my credit report from the beginning of the year. I am attaching my recent report as well due to cleaning up my credit report from the new year.
05/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33147	Web
This account was wrongly created by a store employee that did not followed the correct procedures. The phone was returned prior to 48 hrs and the offer was up to 72 hrs. I tried to fix this matter with the company and they were not able to help me. I have never had a late payment in my credit history and they are telling me I owe them {$53.00} dollars.
03/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 78660	Web
On I discovered ( CONTRACT CALLERS INC ) had been re-inserted into all my XXXX credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification, without my knowledge of this account. I've proof of account was deleted and reappearing. Please delete this item immediately.
02/24/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30281	Web
There has been an ongoing final bill discrepancy with XXXX and a collection bureau has placed this debt on my credit report. I do not owe because I was billed incorrectly. I had renewed my contract via telephone but XXXX continued to charge me a variable rate resulting in extremely high bills. I made numerous phone calls to XXXX without any resolution
03/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 233XX	Web	Servicemember
This company hasn't shown anything valid that states I owe this debt. There's no agreement, no signatures, or anything that states I owe this debt. They bought an alleged debt from XXXX XXXX for pennies on the dollar with NO validation that I even owe this. They are attempting to tarnish my credit worthiness for a small profit. It's ridiculous.
07/14/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30043	Web
Contract Callers INC usually calls me 6 to 12 times per day about a phone bill that does not belongs to me. I have told them several times it is not my debt and to stop calling me but they refuse to stop. So now they send me a letter with the amount of {$1900.00} stating that if such balance is not paid they will garnish my wages and sue me.
07/13/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89134	Web
I have never had any signed contracts with these collection agencies and they also do not have a legal practice for the State of Georgia. I don't have any recollection of this debt of Contract Callers {$400.00} It violates my Consumer Rights according to XXXX practices that my personal information was given to these above listed companies.
04/23/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75115	Web
I have not received any documentation validating the debt that they are trying to collect, also no inventory report from store showing phones were no returned to XXXX in XXXX off of XXXX XXXX! All property was returned yo XXXX. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.
10/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98003	Web
This company XXXX XXXX XXXX Account # XXXX Is reporting inaccurate information on my credit report which I do not recognize. They are reporting that I owe {$490.00} from XX/XX/2018. Please reinvestigate this company from top to bottom or remove this negative item from my credit report as soon as possible. It has ruined my credit score.
08/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IL 60441	Web
CONTRACT CALLERS INC. HAS BEEN OPERATING IN ILLINOIS WITHOUT A VALID BUSINESS LICENSE SINCE XX/XX/XXXX. THEIR LICENSE EXPIRED ON XX/XX/XXXX. THERE ALSO APPEARS TO BE A GAP BETWEEN XX/XX/XXXX AND XX/XX/XXXX AND THEY HAVE BEEN ACTIVELY COLLECTING DEBTS WITHOUT A LICENSE. RE : Illinois Department of Financial and Professional Regulation
03/05/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75115	Web
I received a notification from CCI, Contract Callers Inc. indicating I had an alleged debt with this company. A certified request was sent to this company to validate this debt and no other communication was received from them. As of this Friday, XX/XX/18 this company reported this debt to my credit profile without proper validation.
03/30/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 17046	Web
I was a victim of identity theft and I can not get it resolved. I have reached out to Contract Callers Inc and they are not able to assist me. they have placed a collection on my account and will not remove it even after I completed the fraud packet and proved to them that it was not my account and I was a victim of Identity theft.
12/11/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 336XX	Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
05/03/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30092	Web
CONTRACT CALLERS INC Last reported XXXX XXXX, XXXX {$270.00} Reported balance Original balance {$270.00} You owe 100 % of the original balance OVERVIEW Opened XX/XX/XXXX ( 6 mos ) Account status Open Type Original creditor name XXXX XXXX XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX, GA XXXX XXXX
12/23/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IN 46203	Web
{$710.00} opened XXXX/XXXX/2019. supposedly owed to original creditor XXXX XXXX XXXX. Now debt is sold to Contract Callers INC. I have contacted XXXX on XX/XX/2019 to validate debt that I have no knowledge of, which I still have not received valid proof of anything with my signature of proof that this debt is mines.
04/11/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	GA 30016	Web
I went to review my credit report, only to discover that there was a collection account on my credit report. I have never receive any communication from them, whether in writing or a phone call. I truly protest this level fraud by putting this on my credit before contacting me as I have been at the address for years.
03/26/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30022	Web	Servicemember
I'm unware of this debt and did not have the opportunity to dispute. Please provide validation of debt, method of verification and Assignment of debt for this account. They have place this account on my credit report without notification. If they believe they have notified please provide " Certified Mail Receipt ''.
11/19/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 60901	Web
This company reported a debt on my credit report without notifying me of this debt. it was previoulsy with another company that done the same, This was worked out in good faith with the original creditor. I was also not notified that this debt would be reinserted on my report within 5 days As I was supposed to be.
10/29/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30035	Web
ON XX/XX/2018 CONTRACT CALLERS INC SENT A NOTIFICATION ABOUT A DEBT. I RESPONDED ON XX/XX/2018 WITH A DEBT VALIDATION LETTER. LETTER WAS RECEIVED XX/XX/2018. CONTRACT CALLERS HAS NOT SENT ANY NOTIFICATION CONCERNING MY DEBT VALIDATION LETTER AS REQUIRED BY LAW, BUT HAS REPORTED SUCH DEBT TO XXXX, XXXX AND XXXX.
03/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 45371	Web	Servicemember
Debt collection was placed on my credit report on XX/XX/XXXX for {$660.00}. I do not owe said collection for a XXXX bill from XXXX as it was paid in full. I disputed with XXXX and XXXX. This company is a junk debt buyer and should be shut down as they are not good for consumers or legal debt collectors.
09/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web	Servicemember
Contract Callers has consistently called my phone. Even after asking them to contact me only via mail. I am demanding to only be contacted via mail or through the CFPB. I am requesting verification, validation and investigation into this alleged account that has been placed on my consumer reports.
01/30/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 78729	Web
Company named Contract Callers submitted a derogatory mark on my credit report on XXXX-17. I have no idea what this negative mark is for nor have they contacted me regarding the amount owed of XXXX. I have no idea what this was for and I wanted to see if this can be deleted from mt report.
04/02/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43207	Web
I recently on XX/XX/XXXX noticed a collection ton was added to my credit report for XXXX. By a contract callers inc. Looks like they bought an old unverified debt that was deleted from my report 2 years ago and now they re aged it to look like it was recent on my report it says XX/XX/XXXX.
08/23/2022	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CO 80229	Web
received letter today monday XX/XX/XXXX of 2022 and reference number XXXX where the letter said i had account with XXXX XXXX bank as XX/XX/2022 i owed the amount of $ XXXXtill now said i owed same amount of $ XXXXand i like to dispute this is not me may bellongs another person on this house
03/25/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30126	Web
I noticed that I had a collection on all my credit reports. I sent the company a debt validation letter in the beginning of XX/XX/XXXX. I have called them to see what the status. They keep telling me they are working on it. These people need to remove this entry from my credit reports ASAP.
01/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10453	Web
I told the company and the collection agency it was not me I never lived in that state or visit it in was told to contact the other one in despites having it disputed through XXXX XXXX, XXXX, and XXXX it is still not resolved in keep being told they are saying I am responsible for this
04/23/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 49503	Web
Numerous calls ( more than XXXX ) to my cell phone in less than 2 weeks. Caller does not leave a message and does not answer when I have picked up the call. Internet research lists this number for a debt collection agency Contract Callers , Inc. of XXXX, Georgia XXXX XXXX XXXX XXXX.
11/04/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IN 46410	Web
This company calls and harassed me about a debt that I dont owe. This is for a phone that was returned to XXXX and is not owed. This company has also reported this debt twice to the credit bureau and appears as TWO SEPARATE accounts on my single credit report. I do not owe this debt.
02/02/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75234	Web
Disputed with the company on XX/XX/XXXX. The dispute was sent by certified mail which shows the company receiving the documents on XX/XX/XXXX. It has been well over the 30 days the FCRA gives the company to respond. It is now XX/XX/XXXX and I have yet to hear back from this company.
12/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	NC 27617	Web
I just discovered that a collection agency started reporting an {$82.00} collection account on my credit report that I do not owe. Prior to this account appearing on my credit report, I was never contacted by phone, mail, or otherwise ; and given an opportunity contest the charges.
06/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30331	Web
I have tried to dispute this many times and they aren't willing to work with me. This account is not mine its a result of someone using my name and information fraudulently from a previous address. They are collecting and damaging my credit for an account that isn't mine.
09/05/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 77598	Web
I have contacted XXXX callers inc. and to no prevail have received no information.I have no knowledge of this account and have never heard from or dealt with this company before. I am a victim of identity theft and believe that this account is a result of identity theft.
12/03/2017	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30228	Web
I revived a letter from CCI to collect a debt. I do NOT have a contract with this company and I have never heard of them. I have also received phone calls from this company trying to collect a debt that is not mine. This is absurd!! This is not legal. This is illegal.
12/03/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30228	Web
I revived a letter from CCI to collect a debt. I do NOT have a contract with this company and I have never heard of them. I have also received phone calls from this company trying to collect a debt that is not mine. This is absurd!! This is not legal. This is illegal.
01/07/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33067	Web	Older American
These people are calling me about a debt I never heard of. On top of that they say there is XXXX debt from 2007 and XXXX from earlier than that. XXXX past SOL, IF they were my debt to begin with. I want this company to cease and and all communication with me ASAP.
03/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OR 97214	Web
CONTRACT CALLERS IS MISTAKENLY REPORTING ME IN COLLECTIONS. I VISITED XXXX AND WAS ABLE TO GET A PRINT OUT OF THE RECEIPT FOR RETURNING MY EQUIPMENT AND DUES OWED AT THE TIME. PLEASE SEE ATTACHED. PLEASE DELETE THIS COLLECTION ACCOUNT FROM MY CREDIT IMMEDIATELY.
08/14/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30349	Web
I BOUGHT TWO XXXX XXXX CARDS FOR XXXX I NEVER USED XXXX SERVICE THEY HAVE NO PHONE BILL OR ANYTHING THEY CAN PROVE TO SHOW I EVER HAD SERVICE WITH THEM. SO I DONT OWE THEM ANYTHING, I PAID FOR THE XXXX CARD AND IT WAS NEVER EVEN ACTIVATED AND WHEN I TRIED TO XXXX
01/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11222	Web
XXXX XXXX falsely reported my residence at XXXX XXXX XXXX XXXX in XXXX XXXX, NY XXXX. Contract Callers has placed a fraudulent {$330.00} charge on my credit report. This is not my account, these are not my charges. I live over 72 miles away from that address.
07/31/2017	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	MO 63121	Web
Original debt from XX/XX/XXXX for {$310.00} to XXXX XXXX XXXX XXXX fell off my report in XX/XX/XXXX. Account was apparently bought by Contract Callers Inc and put back on my report with a delinquency date of XX/XX/XXXX and date to fall off listed as XX/XX/XXXX.
10/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95820	Web
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
08/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Billing dispute for services	NJ 08028	Web
Contracters, credits, bill collectors credit cards, XXXX, XXXX XXXX, XXXX XXXX, XXXX, collecto/business accounts all kind of things and if owe I want part for pain and suffering for me lost income and kissing my place for months at hand and losing jobs
11/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	SC 29203	Web
Since XX/XX/2019 contract callers has placed four derogatory accounts on my credit report. Im not aware of this company and how they got my credit information and they continue to impact my credit with their multiple reports. They say I owe {$540.00}.
04/26/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 17046	Web	Servicemember
Contract Callers Inc has called my home phone every single day looking for a XXXX XXXX. I have told them twice now I have no known knowledge of this person and asked them to remove my number and they have not. They call my home phone every single day.
08/17/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 24401	Web	Servicemember
No legal notifications. Reported as collection on my credit report for less than {$150.00}. Damaging my credit. Did not follow fair credit collection laws. Damaged my credit without legal notifications. Please investigate this bottom feeder business.
09/29/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	AZ 85023	Web
Have been called several times by this company saying I still owe money on an account. I paid the account off in 2006 and told them that. Continues to call me despite the account being paid off over 10 years ago and past statute of limitations.
07/30/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33071	Web
I filled a dispute with XXXX for unauthorized charges for account in collection from contract callers inc. This account was related to ID theft and should be deleted from my credit report. Date opened : XX/XX/2018 Amount owed : {$1400.00}
06/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 22802	Web
Anaccountwasopenedinmyname.IdidnotopenaXXXXaccountandamconfusedonwhythisaccountisinmyname.ThisisafraudulentaccountthatIdidn'taskfornorhadknowledgeofitbeingopen.Iwantdocumentationonwhoopenedthisaccountandwhyisthisreportinginmynameasmyaccount.
02/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60617	Web
XX/XX/2018, CCI together with XXXX XXXX placed a collection in my name for {$68.00}. I did not have utilities with this company. I am unable to validate this debt & have reason to believe it is FRAUDULENT. This debt does not belong to me.
12/09/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77396	Web
This company Contract Callers has reported inaccurate information regarding an account that reports as opened on XX/XX/2019, and that I owed them {$510.00}. The account is reporting as XXXX XXXX, and I have not been aware of such a debt.
03/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60620	Web
I have a loan for a vehicle that i have never had along with an address that i have never resided in.The amount for the vehicle was around {$18000.00} and the amount that it says is delinquent is around {$9800.00} The lender is XXXX XXXX
12/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23666	Web	Servicemember
CONTRACT CALLERS, INC has sent forms via mail stating I OWE A DEBT, ATTEMPTING TO COLLECT A DEBT, they also called my phone many of times harassing me about a debt. CONTACT CALLERS, INC is violating my rights to privacy as a consumer.
06/26/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 12603	Web
on XX/XX/2021, i sent CONTRACT CALLERS INC. a letter for a alleged debt of XXXX that i do not owe nor have any business contacts with him.I requested the validity of the debt on XX/XX/2021 and has not heard from them as of yet.
01/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60644	Web
DEBT COLLECTION COMPANY IS FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION.
02/28/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA XXXXX	Web
This debt keeps popping back up on my credit report in different amounts. I am not sure if XXXX has sold it to one company who then sold it to another company and so on and so on. The debt has been satisfied a long time ago.
04/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30265	Web	Servicemember
I have attempted to get clarification on this with Contract Callers. I have enclosed my final request. Failure to respond with a lawful answer in 15 days will result in your admission that this debt is NOT legal/lawful.
05/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07108	Web
This Account is not mine & was opened Fraudulently & I have yet To see a bill with my name On it, nor was I made aware From the utility company. I never signed up & Gave anyone authorization to put a bill under my name
01/28/2020	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	PA 17055	Web
Contract callers continues to furnish negative tradeline on credit file. Sent company verification and validation of signature. Company failed to comply and continues illegally furnish according to FCRA Guidelines.
07/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	UT 84095	Web	Servicemember
Checked my credit report and have a derogatory remark against my credit score. A debt of XXXX dollars for a electrical bill in XXXX, VA. I do n't live in XXXX. So of course this could be identity theft as well.
09/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	PA 188XX	Web	Servicemember
XXXX XXXX has made several mistakes with my account. -sending bills to the wrong address -sending bills to collections and giving the collection agency the wrong address -applying payment to the wrong account
05/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	UT 840XX	Web
Contract Callers Inc XXXX - I did not receive a 30 day right to dispute this debt as it wasn't owing because it had been paid. This should not be reporting on my credit report as I never received a statement.
10/13/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AL 357XX	Web
I keep getting calls requesting that I call them back. The rep does not identify the company they 're representing or what the call is in reference to. They call me at least twice a dayXXXX 5 times per week.
07/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 43605	Web	Servicemember
I called to get debt validation. I gave the full file account number. The call was recorded. The representative stated the number I gave was too many numbers. I was transferred to XXXX people with no result.
07/21/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60644	Web
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE.
05/18/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30236	Web
Requested for debt validation on XX/XX/2020 company have not sent any information regarding this debt that's claimed that I owe. As of XX/XX/2020 have not received any correspondence from this company.
02/22/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30518	Web
I was contacted last Friday by the debt collector. I told her I wasnt able to pay last Friday but I could The next Friday. She agreed and now there is a collection in my credit. I was paying Friday.
10/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77065	Web
This debt was opened fraudulently in another state that I do not reside in. I have contacted Contract Callers via certified mail to validate and verify the alleged debt and they have not responded.
07/09/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	KY 40218	Web
Paid collection in full. Was told by rep when I paid in full. The account would be taken off of my credit report. Still reporting to all 3 credit bureaus. Please remove and listen to recorded call.
03/28/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 295XX	Web
Contact callers was a collection agency this account was paid in full to XXXX and I contacted them about removing this because this account was paid to the original owner and I have a paid receipt.
06/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30223	Web
I recent pulled my credit because Im looking for a new homes I found fraudulent accounts and inquiries I didnt authorize I dispute with companies and bureaus its been over 30 days with no response
07/13/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23223	Web
This company was contacted multiple times, along with the original company. I have had fraudulent claims on my credit report thoughput the past few years, and this one is listed as an account.
06/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NJ 07522	Web
Company continues to report to credit bureau a debt that was previously included in a chapter XXXX bankruptcy and discharged. Dispute was made with credit bureaus and the reporting continues.
05/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32218	Web
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 713,719, I presume that no debt, nor therefore any such debt, in fact therefore exists
07/31/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 60148	Web
I receive a phone call from this number at least once a day, while I am at work. They do not leave a voicemail stating what they are calling for, they just continuously call every single day.
08/24/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 641XX	Web
THIS IS NOT MY ACCOUNT THIS COMPANY HAS PLACE THIS FRUAD ACCOUNT ON MY CREDIT FILE AFTER I ADVISE THEM THAT THIS WAS NOT MY ACCOUNT AND MUST HAVE BEEN OPEN WITHOUT MY KNOWLEGE
07/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95670	Web
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
07/24/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IN 46112	Web
I do not recognize what CCI contract callers Inc. Is saying I owe. I contacted the company that they supposedly are collecting for and they had no record of it either
05/04/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MD 20910	Web
Repeated phone calls from various different numbers even after I asked them to stop calling and advised that I was not aware of the debt they claim to be collecting.
10/17/2017	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34787	Web
letter send by debt collector the age of bebt i can not be sued. I want proof of contract and validity of this debt.Verify everything that i owe this debt to you.
03/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 436XX	Web
I have filed a dispute in regards to the incorrect items on your credit report. It has been well over 30 days and I haven't received any investigation results.
03/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 43612	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
03/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 43612	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
11/15/2020	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	KY 40272	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
09/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 31405	Web
Gas company wants me to pay XXXX for services that occurred after I sold the property. I called and let them know I was moving and they still send me bills.
07/11/2020	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	MD 20746	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results
08/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30528	Web	Older American
A credit collection company ( Contract Callers ) has put fraudulent information on my credit report. I have contacted them three times with no resolution.
03/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 78664	Web
I have filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I haven't received any investigation results.
11/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NJ 08861	Web
CCI Contract Callers Inc., XXXX, GA XXXX, telephone number ( XXXX ) XXXX, is attempting to collect a debt not owe from client XXXX, account number XXXX.
10/15/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CT 06002	Web	Servicemember
A debt for an electricity bill that was fraudulently opened under my name that I had removed from my credit report last year that was readded this year
03/04/2022	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	GA 30016	Web
geting phone and letters about a debt that dont belong to me and i send the credit company 's my ftc letters and the still dont belive me
12/30/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29223	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
12/01/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	VA 23236	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
05/31/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30067	Web
i have several accounts on my credit thats not mines i need it deleted i called all creditors they said the samething i still must pay it
01/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07306	Web
do not recognize this collection company, and not aware of any public service bill owed. I have called the company but no one answered.
11/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72712	Web	Older American
3 COLLECTORS ARE ON MY CREDIT REPORTS, CEASE AND DESIST COLLECTIONS AND GET OFF CREDIT REPORTS. OR BE SUED IN CLASS ACTION LITIGATON.
02/10/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29579	Web
XXXX XXXX.I do not recognize this company and didn't authorize any transaction on this day or around this time. Contract Caller XXXX
08/11/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 61032	Web
Not sure who this company ( CONTRACT CALLERS ) that is trying to collect a Debt in the amount of {$960.00} that is not owed.
04/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 23701	Web
continue to try and collect on a debt thats already paid for 12 usc 1813, need to be updated as paid in full and discharged
04/15/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 31206	Web
this company cannit show any proper debt validation for me to be correct in paying anything based on policy of the fcra
07/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60612	Web
They sent me stuff in the mail saying its mines collection are at address I never lived actually one is a XXXX XXXX
11/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KY 40509	Web
Contract Callers is is reporting a debt that doesn't belong to me. Remove this immediately or I'll seek damages.
08/31/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32835	Web	Servicemember
Calls excessively during the day, no one answers the phone when I pick up, the phone number harassing me is XXXX
11/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 770XX	Web
Debt collector is attempting to collect a debt. I sent a debt validation letter via mail with return receipt.
07/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30013	Web
Requested verification of debt being owed to me. Advised this debt does not belong to me via several letters.
02/08/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AZ 85022	Web
Debt is unknown to me and cci can not provide details regarding debt orgination or dtails of the type of debt
05/28/2020	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	CA 95209	Web
I have filed a complaint with the three major credit bureaus and the investigation took well over 30 days.
07/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 315XX	Web
Paid debt off a few months ago and was told within 30 business days it would be taken off my credit report
06/28/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30331	Web	Servicemember
The debt was paid directly to XXXX XXXX but it is being reported by this company on my credit report.
06/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web
Initial dispute was submitted in XX/XX/2022... still tryping to resolve error... see attached letter
05/18/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 08054	Web
i am getting calls and company have report negatively about me I paid original bill a years ago
09/26/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	VA 23464	Web
I am still having a negative collection being reported to my credit after being paid in full
10/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33404	Web
I dont know this company and I want this account removed immediately off my credit report
02/09/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 27587	Web
Received a letter from XXXX advising of debt without providing proof of debt being owed.
04/25/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	UT 840XX	Web
After calling to resolve this debt, that wasn't mine, they threatened to ruin my credit.
07/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	FL 33436	Web
Recieved a call trying to collect on this debt but debt is not listed on credit report
08/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 236XX	Web
This account is in violation by misleading and false reporting on my consumer report.
02/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Billing dispute for services	TX 75208	Web
The company reported a collection account for an account that does not belong to me.
06/12/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30519	Web
I never received a validation letter via mail or electronically from this company.
11/01/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 32218	Web
the debt is now in collections and needs to be taken off of my credit report
12/07/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 23235	Web	Older American
receiving calls on someones dept on my phone from contact callers int. XXXX
08/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07424	Web
Fraudulent debt not mine there reporting this fraudulent debt to XXXX
12/20/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OH 44319	Web
Want to dispute and validation this debt. Pursuant to 15 USC 1692g
02/10/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 23323	Web
Company has committed identity theft and fraud.
02/04/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 94124	Web

02/02/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30013	Web

01/25/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10552	Web

01/12/2024	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	GA 30228	Web

01/02/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07538	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	VA 23223	Web

12/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30319	Web

12/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34102	Web

12/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75230	Web

11/27/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	VA 22314	Web

11/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 39455	Web

10/29/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23127	Web

10/03/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30268	Web

10/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30294	Web

09/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23924	Web

09/07/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30067	Web

09/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 236XX	Web

08/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 236XX	Web

08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85345	Web

08/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 236XX	Web

08/10/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07302	Web

08/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 18073	Web

07/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30236	Web

07/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30012	Web

07/16/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 23805	Web

07/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30316	Web

06/25/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30014	Web

06/01/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07108	Web

05/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 24590	Web

05/25/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 23234	Web

05/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33317	Web

05/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10029	Web

04/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33578	Web

04/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07305	Web

04/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30274	Web

03/01/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 78109	Phone

02/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30324	Web

02/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30096	Web

02/27/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	VA 23220	Web

02/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23831	Web

01/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	DC 20018	Web

01/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22303	Web

01/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78759	Web

12/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23504	Web

11/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30281	Web

11/17/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NJ 07405	Web

10/31/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 11374	Web

10/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 23851	Web

10/02/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44128	Web

09/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23150	Web

09/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 08048	Web

09/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30349	Web

09/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23226	Web

09/10/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30281	Web

08/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23325	Web

08/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23223	Web

08/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KY 40216	Web	Servicemember

08/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30341	Web

08/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 10016	Web

08/10/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 63031	Web

08/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10467	Web

08/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 37040	Web

08/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07501	Web

07/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 16602	Web

07/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	ND 58103	Web

07/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21217	Web

07/18/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30012	Web

07/11/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 21217	Web

07/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23320	Phone

05/30/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33160	Web

05/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23602	Web

05/23/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	VA 22206	Phone	Older American, Servicemember

05/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89123	Web

04/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30253	Web

04/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30253	Web

04/26/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	KY 40511	Web

04/17/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10002	Web

04/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23834	Web	Servicemember

03/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30134	Web

03/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30080	Web

03/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43302	Web

03/15/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 18103	Web

03/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30223	Web

03/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63120	Web

03/01/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 20877	Web

02/28/2022	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	SC 29829	Web

02/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 31904	Web

02/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	KY 40216	Web	Servicemember

02/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NJ 07111	Web

02/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93304	Phone

02/02/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 60156	Web

01/24/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 60013	Web

12/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23434	Web

12/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29715	Web

12/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29715	Web

11/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32835	Web

11/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 76266	Web	Servicemember

11/25/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30137	Web

11/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23435	Web

10/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23224	Web

10/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30060	Web

10/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30080	Web

10/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 44146	Web

09/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30213	Web

09/14/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 91030	Web

09/07/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 78055	Web

08/31/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77057	Web

08/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MS 39503	Web

08/20/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77088	Web

08/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30035	Web

07/20/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	IN 47122	Web

07/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30038	Web

07/07/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30274	Web

07/01/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 44301	Web

06/25/2021	No	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	GA 30238	Web

06/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77083	Web

06/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77396	Web

06/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	IN 46069	Web

06/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30127	Web

05/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30309	Web

05/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 31061	Web

05/20/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 28312	Web

05/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98247	Web

05/07/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	PA 19460	Web

05/03/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 28312	Web

04/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60506	Web

04/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	VA 20189	Web

04/22/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30349	Web

04/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75204	Web

04/02/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PA 15139	Web

03/27/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30088	Web

03/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08872	Web

03/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77077	Web

03/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MN 55325	Web

03/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11554	Web

03/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 43617	Web

03/09/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 24541	Web

03/08/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 23452	Web

02/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 38308	Web

02/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30067	Web

02/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78610	Web

01/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33410	Web

01/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 17041	Web

01/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 44110	Web

01/13/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AZ 85248	Web

12/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30355	Web

11/27/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AR 72202	Referral

11/18/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33441	Fax

11/05/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30213	Web

10/29/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 10314	Web

10/28/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CO 80013	Web

10/27/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75189	Fax

10/01/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls		Phone

09/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30318	Web

09/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30215	Web

09/02/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23507	Web	Servicemember

08/22/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78747	Web

08/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 23601	Web

08/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93702	Phone

07/31/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 95448	Web

07/30/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	UT 84005	Web	Servicemember

07/24/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85022	Postal mail

07/21/2020	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 30180	Web

07/15/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19032	Fax

07/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30016	Web

06/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30350	Web

06/24/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30340	Web

06/08/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 23229	Fax

06/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KY 40356	Web

05/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89123	Web

05/22/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77459	Web

05/07/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 17972	Referral

04/15/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30328	Fax

02/25/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NM 87035	Postal mail

02/06/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 35824	Web

02/05/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43615	Web

02/04/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount		Phone	Older American

01/29/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IA 50322	Web

01/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60085	Web

12/30/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30093	Web

12/30/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 44903	Web

12/23/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30032	Web

12/12/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30032	Web

12/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11501	Web

11/25/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid		Phone

11/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 90062	Web

11/08/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30263	Web

11/04/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77336	Web	Servicemember

10/30/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33137	Web

10/28/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89123	Postal mail

10/24/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 37067	Web

10/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08701	Web

10/08/2019	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	NJ 07033	Web

09/29/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08701	Web

09/22/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 46228	Web

09/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	AZ 85012	Web

08/29/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08075	Web

08/26/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27604	Phone

07/23/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90717	Phone

07/18/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11423	Postal mail

07/17/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08518	Web

07/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30024	Web

07/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 15025	Web

07/04/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11050	Web

06/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77568	Web

06/21/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30349	Web

06/21/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34787	Web	Servicemember

06/13/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33056	Web

05/30/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 27616	Postal mail

05/28/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount		Fax

05/22/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32218	Web

05/14/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48146	Web

05/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20774	Web

04/09/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08016	Fax

04/08/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07020	Web

04/08/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 60431	Web	Servicemember

04/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33056	Web

03/29/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 20109	Web

03/13/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 94901	Web

03/12/2019	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	FL 32177	Web

03/05/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MO 63146	Web

02/21/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 27410	Web

02/18/2019	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	KY 40268	Web

01/17/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30308	Web

01/05/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77479	Web

12/20/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	WI 54428	Web

12/11/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OR 97086	Web

12/01/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 75644	Web	Servicemember

11/01/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32218	Web

10/26/2018	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60616	Web

10/23/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MA 02301	Web

10/15/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28210	Web

10/10/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29501	Web

10/03/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90025	Web

09/29/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 95136	Web

09/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 38118	Web

09/19/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AL 35234	Web

09/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33064	Web

09/10/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 08861	Fax

09/04/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 10463	Web

08/22/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 92584	Postal mail

08/08/2018	No	Debt collection Other debt	Communication tactics Frequent or repeated calls	AZ 85120	Web

08/04/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 10562	Web

07/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76244	Web

07/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30809	Web	Servicemember

07/03/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33135	Postal mail

06/17/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 07666	Web	Servicemember

06/12/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	OK 73159	Web

05/29/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75214	Web

05/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29568	Postal mail

05/01/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30127	Web

05/01/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60958	Referral

04/23/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75115	Web

04/11/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60651	Web

04/06/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 63303	Fax

04/05/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	SC 29910	Web

04/02/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31216	Web

04/02/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43213	Web

03/26/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33614	Web

03/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30076	Web

03/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 22191	Web

03/12/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76033	Web

03/11/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10116	Web	Servicemember

03/09/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute		Phone

03/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 98029	Web

02/27/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30008	Web

02/23/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

02/20/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30034	Web

02/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30318	Web

02/12/2018	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CT 06705	Web

02/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75087	Web

01/25/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60608	Web

01/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07003	Fax

11/15/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30318	Web

11/07/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NY 10461	Referral

10/21/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30045	Web

09/24/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48159	Web	Servicemember

09/19/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29379	Web

09/19/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48159	Web

09/11/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 14216	Web

07/26/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60637	Web

07/20/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Phone

07/17/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KS 66062	Web

06/30/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60637	Web

05/03/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43211	Referral

04/25/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60473	Web

03/15/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60624	Web

03/08/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 96003	Postal mail	Older American

12/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 78660	Web

12/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 14105	Web

11/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WV 25511	Web

11/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	NH 03244	Web

11/03/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30907	Referral

11/01/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IL 60473	Web

10/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60433	Web

10/12/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	IL 60101	Web

10/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 43334	Web

10/03/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IL 60473	Web

09/22/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IL 60473	Web

09/19/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	OH 44120	Web

09/13/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60466	Web

09/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	DE 19720	Fax

08/22/2016	Yes	Debt collection I do not know	Taking/threatening an illegal action Seized/Attempted to seize property	FL 33063	Web

08/18/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 76002	Phone

08/16/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	NJ 07111	Web

08/10/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 95240	Phone

07/29/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30214	Referral

07/27/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CO 80538	Web	Servicemember

07/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30031	Referral

07/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	MO 63104	Web

06/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	VA 22314	Web

06/02/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	AZ 85021	Web

05/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 23015	Postal mail

04/05/2016	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	VA 23229	Web

03/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	GA 30038	Web

03/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 18062	Web

03/03/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IN 46514	Web

02/02/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	IL 60411	Web

12/22/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	KY 40356	Web

11/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 18058	Web

08/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 76133	Referral

08/05/2015	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	CO 80016	Web

08/03/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 19067	Web

07/24/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	TX 78244	Web	Servicemember

06/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	PA 18966	Web

06/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	NJ 07024	Web

06/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 10011	Web

05/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	OH 45503	Web

05/06/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 14216	Web

04/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	IL 60411	Web

03/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60620	Web

02/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 18902	Web

02/26/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32504	Referral

02/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	OH 44256	Web

02/05/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 76132	Web

02/05/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	GA 30114	Web

01/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 19426	Web

01/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 28210	Web

01/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WI 53090	Web

01/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 75150	Postal mail

12/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	IL 60148	Web

12/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	DC 20020	Web

12/05/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TN 37211	Web

11/26/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	TX 76111	Web

11/26/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 78259	Web

11/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 14205	Web

11/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called outside of 8am-9pm	TX 76112	Web

10/28/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 14210	Web

10/27/2014	Yes	Debt collection Medical	Communication tactics Called after sent written cease of comm	GA 30044	Web	Servicemember

10/01/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 38375	Web

09/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	IL 60487	Web

09/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	IL 61604	Web

09/16/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IL 60073	Web

09/08/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NJ 07303	Web

09/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 21202	Web

09/05/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	SC 29474	Web

09/03/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	PA 18017	Web

08/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CA 94133	Phone	Older American

08/16/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MA 02743	Web

08/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	TX 75051	Web

07/31/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	NY 10606	Web

07/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60706	Web

07/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NJ 08080	Referral

06/04/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 10308	Web

05/14/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30312	Web

05/08/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	VA 23464	Web	Servicemember

04/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60619	Referral

04/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	VA 23850	Referral

04/13/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60411	Web	Older American, Servicemember

04/05/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	VA 23669	Referral

04/05/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	VA 23669	Referral

04/05/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	SC 29229	Web	Servicemember

03/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NY 11514	Web

03/19/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33672	Web

03/04/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	KY 40854	Web	Servicemember

02/05/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TX 75214	Web	Older American

01/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60099	Web

01/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	NY 11216	Web

01/11/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 10025	Web

12/06/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	DC 20009	Web

12/02/2013	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	PA 17013	Web	Servicemember

11/05/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 79908	Web	Servicemember

10/31/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MI 49464	Referral

10/01/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	SC 29906	Phone

07/29/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	GA 30042	Web	Servicemember