09/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Credit Bureau Associates-Northeast Inc ( CBA ) is reporting information illegally on my credit reports. Under Massachusetts state law, a debt collector may only report on a consumers credit report while using the name of the creditor only ( this law provided below ).
209 CMR 18.17 : Unfair Practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of 209 CMR 18.17.
( 11 ) For a debt collector to report to a consumer reporting agency on its transactions or experiences with a debtor in the debt collectors name. However, a debt collector may, with the express written authorization from the creditor, report to a consumer reporting agency in the creditors name.
940 CMR 7.07 : General Unfair or Deceptive Acts or Practices : It shall constitute an unfair or deceptive act or practice to engage in any of the following practices to collect or attempt to collect any debt : ( 15 ) Using any business, company or organization name other than the true name of the creditors business, company or organization ( 21 ) Reporting to a consumer reporting agency on transactions or experiences with a debtor in a name other than that of the creditor CBA has placed their name on my credit report in attempt to collect a debt which they have failed to provide ownership of in violation of MGL Chapter 106 UCC 9-405 in that proof of ownership of the account via a valid assignment agreement.
( c ) Proof of assignment. Subject to subsection ( h ), if requested by the account debtor, an assignee shall seasonably furnish reasonable proof that the assignment has been made.
In XX/XX/2020 I sent them a certified document informing them of MA laws and their current violations as well as asking for validation of their claim to ownership. Under MA law they had five days to provide this validation. They failed to reply with validation of ownership and failed to address their illegal reporting whatsoever.
In XXXX XXXXI sent a second certified notice informing them of their continued illegal reporting and failure to validate in accordance with state and federal law. They failed to reply whatsoever.
They have continued to report illegally. They can not prove ownership of their account.
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07/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This complaint submission is in regards to a false credit report by CREDIT BUREAU ASSOCIATES -NORTHEAST INC ( XXXX XXXX XXXX XXXX XXXX , MA XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with two different representatives one particularly named XXXX XXXX who was extremely rude and stated I am responsible for this debt then hung up the phone. I then spoke with another representative who gave me the fax number so I could forward them a Debt Of Validation letter, which was sent on XX/XX/2019. It was confirmed through my fax machine that the Supervisor had received the files ; however, after 30 days of notifying them, still no response. I specifically asked for proof of debt and anything in signature or judgment by law stating I was obligated to pay them the total of ( {$790.00} ). Prior before sending the letter, the representative stated they have mailed me several notices to my home address. The actual letter came from the alleged original creditor which was sent to a random address I have never been associated with. The original balance on that letter states {$520.00}. CREDIT BUREAU ASSOCIATES -NORTHEAST INC stated I owed them {$790.00} with {$260.00} in collection fees. I have never made any agreement with them nor the original creditor to pay anything nor was I properly notified of this false reported debt. I am requesting CREDIT BUREAU ASSOCIATES -NORTHEAST INC immediately remove me from their systems and update all 3 major Credit Bureaus ( XXXX , XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. CREDIT BUREAU ASSOCIATES -NORTHEAST INC is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not updated immediately I will be taking legal actions.
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03/17/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him.
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record 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 If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
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09/10/2020 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX XXXX XXXX offered to pay him out of pocket for his services because the amount would be much smaller than if I have to pay a copay through my insurance and he doesn't have to deal with lengthy process through insurance to get reimbursed. I agreed.
A year later my insurance got changed and this doctor office suggested to run it through insurance to see how much it will reimburse. And I WAS PROMISED that if my copay amount continue to be bigger than what I paid out of pocket as a hard cold cash - I won't be held liable to pay off the difference.
I also told them if I knew I will end up.paying this much - I would reject the services upfront.
Well, dispite the years of good relationship - this doctor and his billing office decided to ruin it all and go ugly on me.
They started to bill me for the difference. I said I agree to pay the amount we negotiated but not what my insurance didn't cover.
Well, they reported the balance to all credit bureaus. I have to say, considering the amount is only {$130.00} - this is very shallow of them to go that far. So a year or so later, in 2020 I called and attempted to resolve it one last time. The collection lady was nice and reasonable and tried to help. Well she responded later that she contacted that doctor 's office and their billing office and they refused to negotiate and discuss anything about this account at all.
It is a shame - he is a good skilled medical professional but as appears very cheap.
He lost much more on a long run than the stupid balance he tried to collect.
As for me, it is not about money - it is a principal issue. I was promised one thing but then got dragged into this medical insurance soup opera and got hunted for it as a result.
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12/20/2017 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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My ex boyfriend and I had an apartment together. His pay check paid the rent I paid the electric and groceries. He up and left me with the apartment. I gave the landlord a written 30 day notice. The only communication that I received from her was that she used my security deposit to clean the bathroom, wipe cabinets etc. I am now learning about four years later that she has put over {$8000.00} in back rent on my credit. I have spoken to an attorney who told me that she would have had to seek a judgment which she did not because I checked the courts and nothing exists. I was never served anything from the courts either.
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05/23/2018 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Credit Bureau Associates-Northeast IncXXXX for amount of {$4300.00} and account number is XXXX. I have sent Credit Bureau Associates-Northeast Inc. a debt validation again and they have not responded and still have account listed on my credit report with XXXX, XXXX and XXXX. The account does not belong to me.
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06/17/2020 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/2020 I send a debt validation letter to this company. They did not respond to my request for validation. I also ordered them to cease and desist all collection efforts if they fail to validate and they continue to collect on this account and report this alleged debt to my consumer reports.
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01/29/2018 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I have sent Credit Bureau Associates NE several debt validation and they have not responded to my request. Also the credit reporting agency deleted the items from my credit reports and Credit Bureau Associates NE placed it back on my credit reports.
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12/18/2017 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Credit Bureau Associates NE for the amount of {$11000.00}, I have sent Credit Bureau Associates NE a Debt Validation and they have not responded. I have no knowledge of this alledged debt.
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02/01/2017 |
Yes |
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- Incorrect information on credit report
- Information is not mine
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Web |
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I do n't know anything about it. it 's a identity theft, fraud ...
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12/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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09/25/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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07/29/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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07/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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03/11/2017 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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06/07/2016 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Called outside of 8am-9pm
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Web |
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08/10/2014 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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07/22/2014 |
Yes |
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- Disclosure verification of debt
- Not disclosed as an attempt to collect
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Web |
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01/10/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Postal mail |
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01/03/2014 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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