Cornerstone Holdings, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
06/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AK 995XX	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 XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. CORNERSTONE CREDIT S bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
10/10/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76904	Web	Servicemember
Complaint against Cornerstone Credit Services. Background Information In early XXXX of XXXX, I contacted cornerstone credit realizing that they were claiming I owed them close to {$900.00}. After researching the matter, it turned out that XXXX XXXX XXXX ( XXXX ) in Alaska did not terminate my cable and internet accounts when I left Alaska. On XX/XX/XXXX, I presented my military orders to XXXX so that they could terminated my contract with the terminations fees waived. At this point, my account indicated {$0.00} with no forwarding charges. However, there was still a balance on the account, but XXXX invoice system indicated {$0.00} due to a poorly design system. I went on with my life not knowing that XXXX never processed my request completely, and continued to charge me terminations and late fees etc. While XXXX is one of the company responsible for this issue, this complaint is solely against Cornerstone credit services due to their lack for morals, poor judgement, accountability, and frankly laziness. 1. Failure to communicate and take initiative/research Cornerstone credit services did not make a satisfactory attempt to contact me. I am aware that collection companies are limited with how and when they can contact people who owe them, however, Cornerstone made no attempt to contact me. I have lived at the same address for the past five years ( XXXX ). Yes, my phone number changed a few times ; however, my correct phone number is recorded on all three credit bureaus. Additionally, I am the only person in the United States with my name. A simply search with the U.S. postal service would have indicated my correct address because I am a service member and I have to update my address every time I move. Most importantly, Cornerstone needed to verify amount owed with the XXXX. This was not done. Cornerstone did not even have my invoices. Moreover, XXXX had my department of defense ( DOD ) identification number which Cornerstone could have utilize to locate me. Over the past five years, Cornerstone made zero efforts to contact me concerning this debt. Instead, then waited for incorrect balances to accumulate interest, over time. Lastly, Cornerstone credits services is listed as Cornerstone Bank on my credit report. This is misleading and resulted in me not recognizing them as a collection agency. 2. Takes advantage of unfortunate situation/mistakes After intense research with supporting documents, the amount I actually owed XXXX was about {$430.00}. However, Cornerstone demanded that I pay them {$900.00} due to interest. They wanted to charge me almost double the principal owed due to several failures on their end and XXXX. XXXX reported my name incorrectly to Cornerstone ( first name written as last name and last name written as first name ) was not my mistake. XXXX reporting a largely inaccurate balance to Cornerstone because they did not process my termination request and close my account was not my mistake. Cornerstone failing to do their research with contacting me was not my mistake. The only mistake I made was, not recognizing that Cornerstone was not a bank on my credit report, but was a collection company. I take responsibility for this. Additionally, I contacted Cornerstone and XXXX immediately when I realized I had a collection issue. I expressed repeatedly that I am willing to work with both parties to correct the issue. Yet, Cornerstone demanded that I am still required to pay the interest that was double the amount owed. I presented myself as a service member that has a stable income and a trustworthy financial history. I pointed out that it is not of character for me to deceive anyone, especially when it comes to paying bills. I also pointed out the chains of mistakes made on both companies that led to this situation. However, Cornerstone, repeatedly told me that it is not their mistakes and I deserved to be charged double the amount I owed. 3. Harsh negotiations. I offered to pay {$500.00} to settle the account to which they initially rejected. One supervisor made me a counter offer of about {$870.00} who was not able to explain why I should pay this much. Another supervisor supported the {$870.00} offer and bashed me for not paying my bills. Cornerstone did not attempt to accept or apologize for their failure to contact me, or research the issue. After several pleadings, I eventually spoke with a manager who accepted my offer, but I was still denied any form of settlement letter or confirmation to the credit bureaus that the issue was revolved. Overall, no collection agency should seek to take advantage of someone willing to pay what they actually owe. Cornerstone needs to recognize that mistake happens due to poor management of records and customers service which leads to situations like my case. People who owe debt are not always intending to rob a company, especially service members. Cornerstone lack the ability to recognize this. 4. Impact of Cornerstone mismanagement of my case. Cornerstone has cause me unnecessary financial and mental stress. Having a collection agency on my record almost cost me my job in the military and could have severely affect my qualifications in my field of work. Moreover, Cornerstone poor management of my case limited my credit score, and will remain so for the next 7 to 10 years, causing other financial hindrances such as buying a property at a lower interest rate.
11/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MT 598XX	Web	Servicemember
I was seen in the Emergency room at " XXXX XXXX '' in XXXX, AK. I was suffering from a severe XXXX/XXXX XXXX ( for background information I am a XXXX XXXX XXXX veteran with severe XXXX XXXX due to my service in the military ) The doctors treated my symptoms like a XXXX, despite my trying to communicate to them what it was. Later, as I was beginning to feel better and had been treated, I gave my info to the nurse/billing individual. At the time I had XXXX insurance as well as VA coverage ( 100 % for XXXX related issues ) Months later I began receiving letters saying I owe some {$300.00} to the hospital. After a quick look at one of these bills I was able to ascertain that the hospital was not/ did not charge the VA , just XXXX . When I was able to get in contact with XXXX billing department some months later, ( I had moved from Alaska and was nearly homeless ) I explained what their mistake might be. The employee immediately saw their error and promised to right it immediately. Several months later I received letters from the VA stating that there had been an attempt to bill me more than 6 months after a hospital visit. They will not cover these things after 6 months. When at the hospital, I did my due diligence and gave all my information for payment at that time. When contacted by the hospital I did my due diligence and explained their error, which their representative admitted it was their error, and again, I had done my due diligence. The hospital employees failed to read over all the information provided by me at the time of the visit. They failed over and over again until the VA period of payment passed. They did not do their due diligence. Instead of accept that their employees failed to get their jobs done right, they sent my " bill '' to collections. " Cornerstone Credit services '' is the collections agency. They first contacted me on or around XX/XX/2021, @ XXXX. As I have mentioned, I have severe XXXX and other XXXX related to my service; I usually don't take phone calls. I chose to anyways that day. I was informed of a debt, and I frankly did not believe the caller. I explained I had moved to XXXX and wanted to see everything in writing before I would even believe the caller wasn't a phone scammer. I gave my new address ( and confirmed it that day and during another call ) and began politely waiting for the billing information. I even explained to the caller how this is not my debt, the hospitals employees screwed it up, not me. I was promised a letter within 10 days. Finally, after months of not receiving ANYTHING but calls claiming they had sent out plenty of copies to me in XXXX ( suggesting I was the one avoiding payment ) I wrote a letter with my information on it, included a Self-addressed Stamped Envelope for their own good, and sent it to them clearly marked " COLLECTIONS '' via registered mail on XXXX XX/XX/2021. Today ( XXXX XX/XX/2021 ) I FINALLY find a letter from the collections company in my mailbox. Since I received confirmation of my debt only today, I am invoking my 30 days to dispute these charges. They are not mine to pay, as I have laid out : 1. I did my due diligence the entire time when communicating to the hospital. From initial giving of BOTH my insurance coverages, to helping correct the already too late error their employees made. It's not my job to make sure the billing is done right, that's their employees job. 2. I did my due diligence when contacted by the collections agency. Made sure my story was told and gave a correct updated address. The length of time it took to get me a hard copy, and the fact I had to send registered mail to them before I even got one statement shows that their employees too are not doing THEIR due diligence. 3. All of the individuals involved failed to do their jobs correctly, and in a timely manner. This is not my fault as they are not my employees nor did I train them. So how can they press a debt on my person when their peoples mistakes caused it? 4. Lastly, the collections agency tries to call me semi-frequently, despite my XXXX issues being made known to the original caller in XX/XX/2021. I find this to be harassing, and severely detrimental to my XXXX health as well.
03/02/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77545	Web
Accordingly, to the Fair Debt Collection Practice Act, a debt collector can not add fees are interest to the amount owed on a debt. In my case this is what is happening in which makes the debt unlawfully to be collected. Section 804 and 809 - Validating Debts of the Fair Debt Collection Practices Act and Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State, Also, a debt collector or Debt Buyer can not hire a third part debt collector to collect debt in Texas on their behalf and the debt buyer is not registered with the State of Texas. I respectfully request that you provide me, in writing, the following : What the money you say I owe is for ; Provide me with itemized calculations on what you say I owe ; breakdown all fees Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; and original contract from original creditor Provide a verification or copy of any judgment from the original creditor ( if applicable ) ; Show me that you are in compliance with Texas Finance Code section 392.101 with my state, and provide me with your bond information and registration. Provide to me the full name, address, city, state, zip code, and phone number to the original creditor Provide the original account number in the contract from the original creditor Provide me with the open and close dates on the on the original creditors account number Provide the month-day-year of the last payment received from the original creditor Provide me with the contract agreement between the original creditor and your company to prove you been hired to collect on their behalf Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : You can not add interest or fees accept those allowed by the original contract and state law. You do not have to respond to this verification except to tell me that you either intend to cease your collection efforts or to pursue other legal means of collecting this debt. Should you pursue a judgment without validating this debt, I will inform the judge and your case will be dismissed based on your failure to follow the FDCPA. Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the Federal Trade Commission, the Better Business Bureau and the Consumer Federal Protect Bureau. identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; not state that such consumer owes any debt ; not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; not communicate by post card ; 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 ; and after the debt collector knows the consumer is represented by an attorney or representation by choice of the consumer with regard to the subject debt and has knowledge of, or can readily ascertain, such representations name, number, and address, not communicate with any person other than the information given, unless the representation fails to respond within a reasonable period of time to the communication from the debt collector. Can be taken up with the consumer themselves. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. At this point the collection company is report the inaccurate amount I owe on my credit report.
10/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	CA 959XX	Web
I have disputed a dental bill on my XXXX credit report. It was denied due to dental office provided record of my visit. I called dental office as well as cornerstone credit to explain my dispute. I did not deny visit my problem is this. 1 ) the bill was sent to an address I lived at in XX/XX/XXXX so I did not know it existed. My husband and I currently use this dentist and they have our updated address so I dont know what they mailed something to an address from XX/XX/XXXX. 2 ) the dentist at the time ( who is no longer with Office ) saw me to look at a XXXX he made that was giving me problems. He told me there was no charge due to circumstance of it not fitting properly. I was given the option to send to the lab for a few days with charge of around 500.00. I declined at the time because I couldnt afford it and did not want to be without it for 3 days at work. He put a temporary repair on it no charge until I could get a permanent fix. I did not know of or expect a bill for this. I disputed and was denied due to dental office providing proof of service I resubmitted dispute under the information I just provided to you On XX/XX/XXXX The estimated time for dispute under XXXX web sight for investigation to be complete was XX/XX/XXXX. Checking the status of that dispute it was never completed by XXXX. As of today XX/XX/XXXX conformation # XXXX Is still showing a pending status and has he ever been investigated. I did resubmit a dispute XX/XX/XXXX for the same debt and it was denied again. I believe my dispute should be granted due to the fact that the XX/XX/XXXX dispute was never completed properly according to my rights as a consumer their job was to investigate and complete investigation within a timely manner. It has not been completed as of this day. As far as my most current dispute on same credit issue I am disputing the conversation the doctor and I had about not charging me for the visit, as well as the mail not being sent to the appropriate address. The staff in the office currently are all mostly new as they had a huge turnover since my XX/XX/XXXX visit. When I talked to a lady in reception at dental office she encouraged me to dispute this, as according to her files are so messed up from old staff, I am still trying to fix things, we have found so many errors its a nightmare. I wanted the dentist no charge promise investigated and the problem regarding mail not being accurately mailed to me to be looked at I would like my disputed granted due to incomplete investigation from XX/XX/XXXX and would like proof of current dispute that was denied was investigated properly.
03/04/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AK 997XX	Web	Servicemember
To whom it may concern : Both my children were enrolled in the XXXX XXXX XXXX XXXX in XXXX Alaska From XXXX until XX/XX/XXXX. I paid consistently and on time twice a month. At the beginning of XXXX I put in a request for termination of service. I also received assistance for Child Care from the military as I am an XXXX XXXX XXXX. They paid a portion and I paid my normal XXXX on the XXXX and XXXX .. this was automatically took out of my bank account.. first week of XXXX my XXXX was deducted from my account. The children ended their time at XXXX XXXX on the XXXX. There should not have been a balance due at this time. XXXX XXXX proceeded to tell me I owed another XXXX. I argued with them that was false and showed them the record where I paid the first half of XXXX. Everything is pre pay! I had to pre pay them for them to start. They insisted I owed them more money. I agreed to pay half even though it was completely unfair and robbery but they said no. The bank even told me they had other clients with the same issue from this business. XXXX XXXX sent this bill to collections. I am currently XXXX in the XXXX XXXX with limited access to email and phone. I received the collection while in country with a notice saying if I did not dispute this account by XX/XX/XXXX I would have to pay in full, seeing as today is the XXXX and I just received the letter that is impossible. I would like to hold this company responsible for trying to over charge me and as well as the collection agency for the harshness of not being able to dispute while I am XXXX to a foreign country. any help or insight you can provide would be greatly appreciated! I am not sure what else to do. I know I have the right to see the justification for the charge but how and why does it make sense for me to pay a full month child care when my children were only in attendance for 2 weeks and I was instructed it would be prorated. If I was going to have to pay the full amount I would have left them in attendance for the full month Please excuse the harshness of this email as I am upset and already have a lot of stress in the environment I am in. I apologize if it sounds harsh. Please help Collection agency : Cornerstone Credit Services LLC Ref number XXXX Also they are trying to charge me interest when I am on a delayed timeline being overseas with limited access!! Very Respectfully, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
09/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AK 995XX	Web	Servicemember
I checked my credit reports and contacted the people it said I owed the Debt to. Several of the companies no longer exist. The ones that still existed I paid the debt and it was thousands less than what was shown on my credit report. I had an attorney contact Cornerstone credit about the ones the company no longer existed on. Cornerstone credit said adding 15 % interest to medical debt a month was allowed. So debt that was XXXX dollars as now several thousands of dollars. When asked if they would make a deal, they refused even though they knew that several thousands of dollars is all interest, for a company who probably took a deal as it was being bought out by another company. I recently have been divorced I guess several of the medical bills went to my ex-husband 's address. I did not know I owed them until I had seen them hit my collections. I contacted both of the debtors because it was only 2 new debts that I had missed. I paid off one debtor and it should show as paid at the end of the week. ( XXXX hope. ) The 2nd debtor says they do not show I owe them anything, nor would they because they sell their debts to Cornerstone. I have tried to make payments to a specific account before to cornerstone and they just add it to whichever one they feel like so they can restart a 6-year-old account to a company that no longer exists. I called the other debtors who say I have paid all my back bills and their affiliates in full. The Attorney and my divorce Judge have told me not to contact Cornerstone because of the stuff they have been doing but I would like to pay off the recent bill so it is not on there when the others one fall off nor do I want it to start collecting the 15 % interest. Is it allowed for the original debtor to refuse you to pay off your back debt? If I want to make a payment to a collections agency on that specific account are they allowed to put it towards whichever account they wish? Is the collection agency allowed to keep stuff on my credit they can not prove I owe? ( I can not find the information or the bill and when the attorney asked them to send me the proof of the debt, they only send me their debt bill on not the original. They said this would a breach of confidentiality. ) With the above explanation, How is it a breach of confidentiality for a debtee to know who is claiming the debtee owes them ( the debtor ) money? How am I to know it is not fraud?
08/18/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AK 99654	Web
An Alaskan physician egregiously billed for labs to my insurance company that were well above industry standards. This occurred in XXXX, XXXX at which time I sent a letter requesting additional information to the physician. I never received a response, and in XXXX, XXXX found the charges in collections. My insurance company paid above usual and customary. For example, the physician charged {$130.00} for a XXXX XXXX Panel. This test cost under {$20.00} in the industry. I am being billed for charges that greatly exceed industry standards. I 've written several times to the physician and collection firm disputing the debt and asking for them to substantiate their charges. I 've asked where do they get their charge data to what do they accept as payment in full from all payors because that is the true value of their services. For example, if they accept {$15.00} for the XXXX XXXX from XXXX XXXX, they are charging up at an enormous rate for out of network patients. The collection company and physician refuse to offer any of this information and have never responded to any of the specifics of my dispute. All they have sent is an itemized statement showing their over-billed lab charges, a copy of the form I signed regarding paying the remaining charges, and refuse to recognize and place my account in dispute. Although I did sign the form, I had no idea what the physician would have charged for services nor what would be considered reasonable for the services. The rates for XXXX are under 20 % of what they 're charging for an example. The collection firm has spoken to me as if I am a child in that they 've " gone above and beyond to get this resolved. '' That is false. They have provided nothing beyond an itemized statement. I will pay extra for the labs that my insurance company did n't cover but the charges must be reasonable. The charges are unregulated and excessive and they will not even consider negotiating. My professional experience has been in health insurance and health care clinics. In my role, we worked with patients/consumers to collect outstanding debts, sent monthly statements, and treated our consumers with respect and dignity. Cornerstone has done none of it, nor has XXXX XXXX office. I am asking for your help in resolving this and having my account recognized by the collection firm as being in dispute.
04/08/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 327XX	Web
I have tried to communicate with both the debt collection agency and the medical group about my dispute regarding there inability to provide adequate notice of this debt. I am well aware of local and state consumer protection statutes and am asking the CFPB for assistance regarding the credit reporting of the above referenced account. Specifically, I have sought advise as to recently discovered adverse credit remarks on my credit report. I was informed that both the Fair Debt Collection Practices act and the Alaska Unfair Trade Practices Act protect consumers against unfair collection practices and malicious persecution. I would like to point out that creditors or collection agencies are prohibited from submitting information relating to the consumer to any consumer reporting agency if they have been notified by the consumer that the information is inaccurate pursuant to 15 U.S.C 1681 ( S-2 ). I hereby remain adamant that should I have been given the opportunity to dispute or pay, I would have exercised my rights as prescribed by law. For the record : I was NEVER in receipt of your original dunning notice allowing me 30 days to dispute this debt, or satisfy this debt and avoid any negative marks on my credit record. Therefore, the information that was submitted is inaccurate and must be removed. In my communication from XX/XX/XXXX with this debt collection agency, they claimed that they spoke to me in XX/XX/XXXX and that I hung up on them. This is completely false. I have never spoke to this debt collection agency. Unless you have compelling evidence to prove otherwise, I demand that you immediately withdraw all negative credit reporting and delete this from my credit reports. Please be informed that I am a travel nurse and thus by the nature of my profession move every 3-6 months as a new assignment is made. I can virtually guarantee I can prove I was not residing at the address you claim to have mailed the initial dunning notice to. You are violating the law and I am documenting it. Should this item remain on my credit report and you refuse to remove it, I will have no choice but to file formal complaints with the Consumer Financial Protection Bureau and the California Department of Justice. I hope you cooperate with my request.
09/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AK 99508	Web
I have filed a dispute in regards to the incorrect items on my credit report and its been well over 60 days and I haven't received any investigation results. Also the disputed accounts are still being reported on my credit reports and the company has yet to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature, As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : -Defamation -Negligent Enablement of Identity Fraud -Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) -Violation of the Fair Credit Reporting Sct ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
12/09/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	HI 96789	Web	Servicemember
A few years ago I cancelled my phone contract with XXXX because I found out it was cheaper if I just bought a pre-paid phone. Well in order to get a pre-paid phone and get out of my current phone contract I had to pay off what was left on my current phone contract. I'm pretty sure I was told I paid off everything with them. Later my card information must have not been taken or rejected because I found out I had money in collections. I wasn't able to find out that I had an unpaid debt because I had changed phone numbers! I have never had any problems with paying my credit on time or debt problems of any sort and I hate that this is on my credit record and I want it off if any way possible. The creditor that was trying to call me but was calling by previous cancelled number was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX ( XXXX ) XXXX The phone company I had cancelled with but couldn't contact me because they were calling a canceled number was : XXXX XXXX XXXX XXXX XXXX, AK XXXX ( XXXX ) XXXX My credit collection opening date was : XX/XX/2015 The collection amount I paid of on record at XXXX XXXX is : {$110.00} ( However, I remember paying way more ) My current phone number is : ( XXXX ) XXXX I want this off my record as I genuinely was not able to be contacted for years because they were trying to contact me at the wrong number. I didn't find out about this until got an account with XXXX and saw it on my record. So I ended up having to call them from my new number. Thank you so much for your help. Respectfully, XXXX XXXX
07/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78244	Web
To someone in a position of authority, I am making a formal complaint because Cornerstone Credit Services has placed information on my report without my consent, and without validating the debt. I reached out to this company over 4 months ago and I still have not received a response. I informed them that they were violating 15 U.S.C. 1681a ( 2 ) ( B ) as they were supposed to exclude information from my report that was authorized by a credit card. I informed them of this violation and they have not responded to my correspondence. Additionally, I asked them to validate the debt they are reporting on my consumer report with XXXX ; I made a formal complaint with XXXX, Cornerstone Credit Services, and XXXX and they all failed to show proof that this debt that they are reporting belongs to me. Because they failed to validate the debt with sufficient proof, they are in Violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. If I continue to be ignored about this matter I will proceed to seek litigation and remedy for {$1000.00} per violation for defamation of character, Negligent Enablement of Identity Fraud, and Violations of 15 U.S.C 1692g. I demand these accounts be deleted from my experian report within 5 days, or I will move forward with litigation and remedy. I also demand that that an updated report be mailed to me. Any actions taken to hinder my consumer report will also result in me seeking litigation and remedy. Thank you.
06/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70503	Web
I had several medical bills from XXXX XXXX XXXX get sent to a collections company called Cornerstone Credit Services in XXXX, Alaska. I was unaware of these collections and as soon as I found out I paid the collection agency with the understanding that they would be deleted and stop reporting negatively. All accounts were paid in full on XX/XX/XXXX. As of XX/XX/XXXX they are still reporting negatively with all three credit bureaus. The account informations is as follows : XXXX XXXX XXXX : Date assigned to cornerstone : XX/XX/XXXX Amount : {$260.00} XXXX XXXX XXXX : Date assigned to cornerstone : XX/XX/XXXX Amount : {$300.00} XXXX XXXX XXXX : Date assigned to cornerstone : XX/XX/XXXX Amount : {$60.00} XXXX XXXX XXXX : Date assigned to cornerstone : XX/XX/XXXX Amount : {$53.00} XXXX XXXX XXXX : Date assigned to cornerstone : XX/XX/XXXX Amount : {$53.00} XXXX XXXX XXXX : Date assigned to cornerstone : XX/XX/XXXX Amount : {$330.00} There is also a collection account sent to Cornerstone credit services from XXXX XXXX XXXX. That was never my account and disputed this also. I paid cornerstone the collection amount to ensure that it would be removed from negatively reporting from my credit report. This too has not been done. Information is as follows : XXXX XXXX XXXX : Date assigned to cornerstone : XX/XX/XXXX Amount : {$760.00} It is my desire to have these items removed/deleted as promised by cornerstone when I made payments on these collections accounts.
09/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DE XXXXX	Web
For the entire year of the dates of service from XXXX XXXX XXXX XXXX, I was receiving daycare vouchers from the state of Alaska. Those vouchers were sent directly to them, from my caseworker at the time. Her name was XXXX XXXX. When approached to pay the amount by XXXX XXXX XXXXXXXX XXXX, they informed me they hadn't received my payment. I told them that the payment had been arranged through my case worker, prior to the kids coming. They said they would contact office. The next time they asked, they asked me to pay it and then if payment came from state they would reimburse me. By this time, it was 2 months worth so I informed them I could not pay, but I could pay in installments, if it would keep the kids in daycare while they sorted out the vouchers. They declined my payment attempts, and said the kids could no longer attend until balance paid. I contacted my caseworker again, who stated she had already submitted payment to XXXX XXXX XXXX XXXX for the amounts owed. I've asked to have an invoice or listing of months that were submitted for payment from XXXX XXXX XXXX XXXX to my case worker. ( Which months did you send the bill to the state for? ) Or did they never submit for payment? In order to know which charges are due, I need to know which months were paid from vouchers from the state. Please advise a break down of accounts, and payments that were paid by both myself and through the daycare assistance voucher through the state.
10/28/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AK 99645	Web	Servicemember
Re : Cornerstone Credit Services.L.L.C ( XXXX ) I have spoken to representatives at Cornerstone regarding notices to pay client XXXX XXXX XXXX the total amount of XXXX regarding statement XX/XX/2022. When I called the Cornerstone representative today, XX/XX/2022, they notified me the total in now {$180.00}. Even though I still have not received a bill from XXXX XXXX. I called XXXX XXXX today and I paid my bill directly and paid the {$150.00} bill. ( paid on XX/XX/2022 ref # XXXX ) On XXXX, XXXX Cornerstone sent a notice on behalf of XXXX XXXX XXXX for the amount of {$44.00}. I also paid them directly. ( attached statement paid on XX/XX/2022 ref # XXXX ) Cornerstone wanted me to pay the {$44.00} and {$180.00} today. One amount has interested applied and the other does not. When I last spoke to Cornerstone I was told the total amount included both the {$44.00} and {$150.00} to get me pay the {$180.00} that the XXXX XXXX statement was at the time knowing the {$180.00} would not cover the {$44.00} amount. Both attached statements are from Cornerstone Credit Services. Cornerstone wanted me to pay a total of XXXX today but I declined stating both Alaska XXXX XXXX and XXXX XXXX have been paid. The statements attached are the only Cornerstone Statements I have received. They informed me the interest will be billed to me. Please Advise
03/30/2019	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	AK 995XX	Web
To whom it may concern, I have on more than one occasion to verify two items XXXX XXXX XXXX XXXX # XXXX specifically on XX/XX/2019, XX/XX/2019 asked this company to validate the information on my credit report under Section 609 ( a ) ( 1 ) ( A ), that they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Included in this process is required for them to show proof of verification and validation with documentation but they have never provided me with proof that this debt is indeed mine. They have arbitrarily stated that it is verified or updated without any evidence or proof ( which will be provided in the documents below ). In addition one of the items is beyond the statute of limitation of reporting and also should be removed from my report. All I am asking for is a thorough investigation of the items on the report that are required to report accurately under FCRA standards.
05/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OK 745XX	Web
When I was residing in XXXX, Alaska in XXXX I had been taken by ambulance from XXXX XXXX to XXXX XXXX. While the Dr was tending to me my fiance ' provided the billing department with my Drivers License as well as my XXXX card and XXXX XXXX card. I am 100 % XXXX and have been since XXXX, however the ER Dr 's office did not file under my insurance within the twelve month period they have to file under. More than a half dozen times in the past two years I have filed a dispute via XXXX and every single dispute has come back in my favor as being correct insurance information had been given to the hospital billing department in XXXX, Alaska on the date that services were rendered. However, everytime Cornerstone Credit Services LLC is forced to remove this collection, they turn right around and file against my credit file again. They are absolutely ruining my credit and preventing my fiance ' and I to be able to proceed with the process to purchase a home for us and our children.
08/25/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AK XXXXX	Web
XXXX XXXX never sent me a bill for the body scan they performed on XX/XX/2022. I paid {$230.00}, then they said they would send to my insurance, XXXX XXXX. I never got a bill from XXXX XXXX or from XXXX regarding my XXXX scan. I checked my XXXX credit report 2 days ago, and I was astounded to find a collection account on my report from Cornerstone Credit Services. I never received any letters in the mail, nothing. XXXX XXXX sent my bill to collections without notifying me. XXXX never sent me a bill, and now this collection agency put a report on my credit, without sending me a letter notifying me of the charges. So this collection agency has broken the law by not properly communicating these issues with me. XXXX XXXX and XXXX have dealt treacherously with me by not notifying me that XXXX XXXX was out of network for XXXX. I am disputing this with XXXX now and trying to get this taken off my report. I can't even validate that this debt is mine.
09/07/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 655XX	Web
XX/XX/22 a most recent credit report revealed an account in collections. A letter was sent to XXXX XXXX asking yo verify debt on XX/XX/22 certified mail ; no response was received providing any of the information requested. Pursuant to 15 USC 1692 ( d ) .1, Cornerstone Credit Services, a collections company, has violated the FDCPA by damaging my reputation which is my credit history and score as their alleged debt has now been reported. I have never been contacted about this debt nor spoken to anyone and was unaware of the existence of said alleged debt. The reporting of fraudulent information by Cornerstone Credit, whom I have no contract or agreement with regarding any alleged debts or services, is defamation and stands as damages to my personal reputation. If Cornerstone Credit can produce a contract I have with them, I will gladly review and respond and I will be sending communication to them as well.
07/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 856XX	Web	Servicemember
We were customers of XXXX and upon closing out our internet services we werent notified that we had a router that needed to be turned in. Instead a debt collector called us and told us we had a {$150.00} unpaid debt from XXXX. I immediately gathered the router and brought it to XXXX and received a receipt of proof that the issue was returned and taken care of. I emailed the copy of the receipt to XXXX XXXX XXXX on XX/XX/23 and still this debt is showing on our credit history, hurting our credit score. We need this removed. My family and I have since moved from Alaska to Arizona on military retirement orders and no longer have any ties to gci. I went to purchase a vehicle yesterday and this populated as a derogatory impact to our credit with should be resolved with no impact. We have never missed a payment and take great care of our credit. Please help me in resolving this. Thanks
02/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 196XX	Web
When I paid this debt, I was promised by an agent, that the account would be removed from my credit in full. they have since reported a {$0.00} balance on the account for many months, I was under the impression that after I paid the debt, they would report the {$0.00} balance for 1 month, then remove the account entirely! I have asked the company to investigate this matter many times, and each time they have refused because I paid them! I paid them because they promised to delete the account, I would have had to consider my actions more carefully had they not misrepresented the situation! I know paying an older debt can hurt my credit scores, so I would have taken more time to consider my actions, but since they promised FULL ACCOUNT DELETION, I paid that day, thinking it would benefit me the most! Why are they still reporting?
10/04/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	AK 996XX	Web
i was contacted by an agent asking about person who doesn't live with me or at my address, when i asked who was calling they refused to give any information. only to have person who doesn't live at my address or use my phone, call back number on caller id. i researched number found out it was Corner Stone Credit services. i called them back and explained to them that said person doesnt live at my address, doesn't use my phone, and told them to put my number XXXX on a DO NOT CALL LIST. that is when the lady got rude and said my number was put down as contact number. i said no my number is listed as an emergency contact not debt contact. and do not use it as such. that is when she got mad and said i am placing you on hold. that is why i am filing complaint as this is not good debt collections from these blood suckers.
09/16/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AK 99705	Web	Servicemember
I had a large amount hit collections for medical debt. I called the collection agency- they said XXXX send me paperwork. I never received paperwork. I called my insurance company- they said absolutely Im covered and shouldnt have any debt. I called the hospital that supposedly sent my account to collections. They told me IMMEDIATELY that some sort of mistake was made, and that they will have the collection agency delete the collections off of my account immediately. My biggest issue with this is, 1. ) I disputed this account MULTIPLE times and it came back as all good thats a huge violation 2. ) Even once they delete this off my credit, it wont fall off until next credit cycle. So my credit will remain affected for even LONGER- when it should have never been affected at all.
09/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX XXXXX	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
01/21/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AK 99645	Web	Older American
I was diagnosed with XXXX while studying medicine out of state in Alaska. Since the insurance was through a Washington state coverage ( my home state ) I had to get prespptoval for treatment out of state. I thought bills had been paid by insurance and later learned the had failed to cover the initial XXXX XXXX performed in Alaska as well as a number of follow-up visits which were in Washington state, where the major treatment was performed. The insurance company also failed to cover needed supplies for my XXXX XXXX materials. All this has resulted in damaging my credit when I THOUGHT I was completely covered. XXXX, XXXX, XXXX, XXXX were covered for the most part but the few items they never paid adversely affecting my credit.
05/27/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AK 99709	Web
Cornerstone Credit Services reported my unpaid medical bill to my credit report, and this is damaging my credibility. I attempted to resolve this though direct talk and through my lawyer and failed. I was attending XXXX XXXX for a work accident. Unfortunately, my worker comp case was controverted, and I had to hire a lawyer. Meanwhile, the provider, XXXX XXXX XXXX, send my unpaid balance to Cornerstone Credit Services for collection. My lawyer and I informed Cornerstone Credit Services of the situation and the company did not care. This negative reporting is hindering my financial prospects and I would like CFPB ' intervention. I need that collection removed from since the litigation is still pending. Thank you
12/08/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AK 99502	Web
On XXXX/XXXX/17 at XXXX XXXX XXXX XXXX XXXX in XXXX, Alaska called demanding payment on debt that they refuse to show proof of. When I asked for proof they only send a statement from their firm with no actual contracts or ER visit dates. The " proof '' that they did send had another client 's name and birth date. When asked for further proof that had my name and birth date on it I was screamed at and told that they would not provide it and demanded payment. The employee, who is female, is exceedingly rude and very unwilling to send further proof. I believe that XXXX XXXX is trying to collect payment from me in a fraudulent manner. Their representatives are very aggressive and will shout and argue.
07/12/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AK 99508	Web
I received a summons to small claims yesterday for two emergency medical bills accrued during the pandemic and that also fell in a grey area when looking at what my Medicaid covers retroactively. I spoke with the debt collectors in XXXX of this year to explain that. After no further contact, I thought Medicaid covered one or both of the accounts. I definitely did not think Id be sued, given I had made recent payments on other accounts and had long standing unpaid accounts that werent attempted to be collected as aggressively. Both the collector and his supervisor made disparaging comments to me about my financial state and laughed while saying he cant wait to see me in court.
09/15/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AK 996XX	Web
I contacted XXXX XXXX XXXX in XXXX, AK when I discovered I had an old cable account from 2008 which was sent to collection. I spoke with a " XXXX '' at Cornerstone regarding this old account, which does not report on my credit report. Asked the balance, amount and where I could make payments when I am ready. He called my work today at XXXX from an unknown number during my work business hours to ask if was still going to pay that account. I did NOT give him my work number as a contact number or permission to contact me here, EVER, nor did I tell them my employers information. They have my current mailing address, that is sufficient. This is a violation of the FDCPA!
07/28/2020	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 Their investigation did not fix an error on your report	TX 77388	Web
Cornerstone Credit Services has placed 2 collections on my credit report, for a medical company in Alaska. I live in Texas, not Alaska. I have disputed this several times with both XXXX and XXXX, and was told each time that the information has been verified. This is getting frustrating to the point that if I can't find resolution this time, I'll have no other choice but to file suit against them! All I want is for them to use common sense, as I can't be in Texas and in a medical facility in Alaska at the same time! This is severely affecting my ability to access available credit, so I hope you can help, as no one else seems to care what stress this is causing me.
08/09/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AK 999XX	Web	Servicemember
Just so happened to see this on my credit report. I sent a dispute letter and the company came back as it did n't have enough information to investigate. XXXX, They recieved my name, birthdate, so called origional creditor ... If these people can add this collection to the credit bureau, then they can find me in their system. If they " ca n't find me '' as they say, or fully validate any account, they have NO right to try to collect. It 's my right to request valadation or they must delete collection from report. Valadation includes any signed documentation that I have with them showing any connection between us.
05/10/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 328XX	Web
I CONTACTED THE COLLECTION AGENCY ABOUT AN UNKNOWN DEBT I DISCOVERED ON MY CREDIT REPORT ON X/X/2017 AND ON X/X/2017 THEY RESPONDED AFTER OBVIOUSLY ZERO INVESTIGATION INTO THE MATTER THAT IT IS ME THE CONSUMER THAT NEEDS TO PROVIDE THEM EVIDENCE OF THE DEBT NOT AND THAT I AM NOT ALLOWED TO RECEIVE A VALIDATION OR VERIFICATION OF THE UNKNOWN DEBT THEY ARE REPORTING ON MY CREDIT FILE. THIS IS OBVIOUSLY A TACTIC TO CONFUSE AND CONCEAL MY AND PROBABLY OTHER CONSUMERS OF THEIR CONSUMER RIGHTS. EVEN YOU THE CFPB TELL US WE ARE ALLOWED TO ASK FOR A VALIDATION .... A FACT THAT THESE JOKERS DENY ME THE CONSUMER.
03/08/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AK 99516	Web
Cornerstone credit is attempting to collect an incorrect amount on a medical bill from XXXX XXXXXXXX XXXX associated with XXXX XXXX. XXXX XXXX was made aware of the billing error, it wasnt fixed as they stated it would be and instead sent the bill to Cornerstone. Cornerstone has been made aware of the error. Our health insurance company states that XXXX XXXXXXXX XXXX needs to re-submit a corrected bill. Neither Cornerstone nor XXXX are making the corrections and instead we keep getting repeated phone called from Cornerstone continuing to collect an incorrect amount.
06/21/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AK 996XX	Web
Cornerstone Credit repeatedly calls my phone regarding a debt they claim I owe. I paid the debt through the original creditor ( XXXX XXXX ) and have given that information to Cornerstone Credit, which they acknowledge the debt was in fact paid and they can not report anything to my credit report because it was paid through original creditor. They repeatedly call me to pay their fee, which the bill should never have been sent to them in the first place. I have requested they stop calling, which they do, then start calling again 2 months later.
10/27/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AK 99504	Web
XXXX XXXX XXXX was the place I went a few years back after a XXXX XXXX XXXX XXXX, for XXXX XXXX. I got a lawyer, XXXX XXXX XXXX, and they said " this was never found in the discovery period. ". I have TRIED to pay this to XXXX XXXX XXXX, but their phones are off and business closed! There is no way to contact them. So they, without notice, sent me to a collection agency of Cornerstone credit services.
12/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MT 59601	Web
Two different medical institutions sent bills to XXXX XXXX XXXX as they did not bill to insurance, I paid these amounts directly to the individual healthcare entities, thus the two entries from XXXX should be removed from my reports, as this was never a collection issue it was the problem of the billing of the healthcare entity that did not bill insurance
06/14/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AK XXXXX	Web	Servicemember
On XX/XX/2023 I sent a certified letter to Cornerstone Credit Services to validate a debt they claim I have with them. As of today XX/XX/2023 I have not heard anything back from them by mail, phone or email. They claim I owe for an internet bill with XXXX in the amount of XXXX. This debt has been listed on my credit report.
07/29/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43228	Web
Account was opened on XX/XX/XXXX in XXXX , alaska the collections address and name : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX AK XXXX We moved out on XX/XX/XXXX and the account opened on XX/XX/XXXX and the balance currently is {$260.00} the person paid 42 % of the debt.
03/11/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MT 590XX	Web
In the attached, the Company XXXX XXXX XXXX has three bills from medical providers that did not send to insurance, I have called and sent a letter indicating that they need to be billed to insurance ( in attached ). They just sent everything back and would not do as I asked in the letters.
05/17/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78665	Web	Servicemember
I am being told that I owe money for a hospital visit in XXXX Alaska. The problem is that I was in XXXX at the time. They removed the collection once because I hired a law firm and then they added it back. I wasn't even in the country at the time this supposedly happened.
05/12/2021	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	AK XXXXX	Web
Cornerstone Collections in XXXX Alaska ... called and would not give me info, yet wanted my name and I had no idea why they called. Was rude and hostile. Told me after the fact that it was an imaging bill. I am not giving out my insurance info to a stranger.
03/29/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MT 59601	Web
This was a medical debt that was suppose to be billed to Alaska XXXX, and the facility XXXX XXXX XXXX did not send so they sent directly to their collection agency, attached will be proof it is paid.
01/14/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MT 59601	Web
I have been fighting with Cornerstone Credit Services for years trying to get closed and paid entries off my credit, they refuse to remove as it was already paid
08/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AK 99508	Web
I have filed a dispute in regards to the incorrect items on my credit report and its been well over 30days and i have'nt received any investigation results.
02/01/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29223	Web

10/30/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AK 99507	Web

11/08/2022	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	AK 99712	Web

09/24/2021	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	AK 99508	Web

09/22/2021	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 Was not notified of investigation status or results	AK 99516	Web

09/18/2021	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 Was not notified of investigation status or results	AK 99508	Web

09/10/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AK 99709	Web

08/14/2021	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	AK 99508	Web

06/14/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Phone	Older American

04/14/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	AK 99502	Web

03/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AK 99507	Web

02/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AK 99507	Web

02/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OR 97003	Web

01/14/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MT 59601	Web

01/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AK 99709	Web

11/03/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 90038	Web

10/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AK 99623	Web

10/13/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33534	Web

09/21/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

08/30/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AK 99701	Web	Servicemember

07/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98030	Web

06/23/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AK 99503	Fax

06/11/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AK 99517	Phone

05/20/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AK 99503	Phone	Older American, Servicemember

05/08/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid		Phone	Older American, Servicemember

01/26/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MS 38654	Web

11/04/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AK 99517	Referral

10/28/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 10166	Fax

09/27/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OR 97405	Web

04/02/2019	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	AK 99501	Web

04/02/2019	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	AK 99501	Web

03/04/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AK 99515	Web

12/26/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77054	Web

11/07/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WA 98023	Web

10/23/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AK 99502	Web	Servicemember

09/11/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78621	Web	Servicemember

06/18/2018	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	AK 99515	Web

05/29/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AK 99803	Web

04/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93422	Web

12/08/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CO 80013	Postal mail

07/16/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	WA 98273	Web

04/12/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CO 80204	Postal mail