Credit Bureau Collection Services, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/15/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 37363	Web	Servicemember
What is the complaint about? CBCS attempts to collect on debts, handles disputes improperly. Attempted to collect on debt that doesnt belong to me, wouldnt give me a correct phone number so that I could verify the debt. When I finally found another billing company that had been associated with XXXX XXXX Hospital Physicians, they stated my name is not on that account. Why could I not get in touch with XXXX directly? According to the Tennessee State Department of Commerce and Insurance, CBCS is not licensed to collect in the state. This is my statement regarding my interactions with CBCS. I have also recorded phone calls. Thank you for your time. After I received a letter from CBCS regarding an account with XXXX XXXX HSP Physicians, I called and spoke to XXXX on XX/XX/XXXX and I disputed the charges. During the conversation XXXX confirmed that the Department of Veterans Affairs was the insurer on file. When I asked why they did not directly bill the VA, I did not know, and that maybe the balance is my portion of the bill. I explained that the assumption was incorrect and that I would like proof of the debt ( see letter dated XX/XX/XXXX ). After I received the response regarding my dispute of the debt from CBCS, I called XXXX billing. I spoke to XXXX who confirmed that the Department of Veterans Affairs was on file as my insurer, and the hospital bill had been paid within a month of the claim. XXXX referred me to the physicians billing group ; XXXX XXXX XXXX. I called the XXXX XXXX and listened to their list of Debt Collection agencies, CBCS is not one of them. On XX/XX/XXXX, I called CBCS again and spoke to XXXX. I asked her for a direct number to XXXX XXXX Hsp Physc and she stated the number is not on file ; the only information they have on the debtor is what is listed on my statement ( name and associated account number ). I then inquired as to how CBCS receives my information to start collection process against me, she stated they dont buy the debt and that basically only an account number, address, name, date of birth with a debtor is needed to start the collection process. On XX/XX/XXXX, I called CBCS again to try to obtain information about the debtor, such as address and phone number, so that I could verify the debt. XXXX told me that they do not provide that information. XXXX stated that he doesnt have access to information about XXXX XXXX Hsp Phsyc. I told him that since they are the clients of CBCS, they must have company information for billing purposes ; XXXX then referred me to the office in New Hampshire. I spoke with XXXX in the New Hampshire branch of CBCS and she gave me a phone number and address for my debtor that is seemingly incorrect ( I called the number and its a cell phone, no outgoing message ). After calling the New Hampshire branch of CBCS back, I spoke to XXXX ; who then said the clients name ( my debtor ), was shown as XXXX XXXX XXXX XXXX XXXX XXXX at XXXX. XXXX gave me a different phone number with the same post office box address as XXXX from the first time I called their office. XX/XX/XXXX, I sent a certified letter to CBCS, disputing all the debt associated with account XXXX ; and asking them to verify the identity, name and address of the company claiming I owed money. After doing some research on the internet, I found a number for XXXX XXXX Hospital Physicians and spoke with XXXX from XXXX, ( XXXX ) on XX/XX/XXXX. Using the account number on the invoice sent to me from CBCS, XXXX was unable to match my name with the account. XXXX then proceeded to tell me that I had another account holding a XXXX balance and a service date of XX/XX/XXXX, from XXXX XXXX XXXX, XXXX XXXX XXXX ( acct # XXXX ). I then confirmed my name, date of birth that she had on file. XXXX stated the middle initial on the account is XXXX ; I told her that XXXX is not my middle initial, and I obtained the business address of XXXX as XXXX XXXX XXXX XXXX XXXX, MI XXXX. Be advised, I was not in a NY hospital XX/XX/XXXX. XX/XX/XXXX, I called CBCS and spoke with XXXX. I advised her of the fraud situation her company is participating in and that I was informed by the Tennessee State Department of Commerce and Insurance, CBCS is not licensed to collect in the state of TN. XX/XX/XXXX, I spoke to XXXX and he agreed to send me an itemized statement from XXXX XXXX Hospital Physicians. The beginning of XX/XX/XXXX, I received the letter stating they have and will stop all collections on this account. I began asking for verification of this debt from CBCS starting XX/XX/XXXX. Why does it take so many phone calls, so much time to get these companies to do the right thing?
05/08/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20853	Web
XXXX XXXX XXXX claims I owe them {$320.00} for a medication that I did not authorize. The date of the initial disputed transaction was XX/XX/XXXX. I am on a very expensive medication to help with my XXXX XXXX XXXX that my insurance company only allows me to have shipped directly from XXXX XXXX XXXX. I have been on this medication for years, and up until XXXX, with the help of a copay card from XXXX, I have only had to pay either had to pay {$5.00} for my monthly prescription. If there ever were ever any costs that have exceeded the % 5.00 copayment, XXXX XXXX has always called me and ended up working it out with the Copay assistance. In XXXX, there were some issues with the copay card, so after contacting me to let me know, they contacted the copayer and the copayer authorized a direct payment to them. I told XXXX XXXX every time they called me that if the copayer didn't authorize their payment, then I declined the charges and to not ship the medication. This happened a couple times, during the year, and the copayer paid them 100 %. I paid {$0.00} for my copayment in XXXX. XXXX XXXX never called me to get authorization for the {$320.00} not covered by the copayer for the XX/XX/XXXX shipment. I did not even know about it until after they called me in XXXX asking for ~ {$2000.00} for the XXXX shipment of my medication. I told them at that time, the same thing I always told them. " If the copay card isn't going to pay for it, then I decline the shipment and the charges. '' I remind them everytime that I can not afford any more than the {$5.00} copayment. They have confirmed that they have this conversation recorded and on file. I have called them multiple times to dispute the charges, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX gentleman I spoke to the first time told me to the second time told me to call the copayer and give them a sad sob story to see if they would pay the {$320.00}. He told me if they didn't pay it, then to call back to XXXX XXXX, ask for a supervisor, and the supervisor would write it off because there was no record of me authorizing the charges. He said ignore the repeated notices to pay in the mail, and that they would never send this to collections. The call on XX/XX/XXXX took 2 hours and 2 min. I was transferred around several times. They were not very willing to help me. They said they listened to all the calls they had on file and were not able to find any call where I authorized these charges. However, they claimed that because I did not call them prior to the shipment to cancel it, that the charges were valid. I don't understand how I am supposed to decline the charges when they never called to tell me about them until a month after they charged me. The Supervisor said she would escalate the matter for further investigation and get back to me. No one from XXXX XXXX ever got back to me. Instead they sent it to CBCS collection Agency, which is exactly what they said they were not going to do. I called the collection agency to tell them I disputed the charges. They said they would make a note, but still said I had to pay them. Because of this problem, I have not been able to get my medication for my XXXX XXXX XXXX for 7 months, and my health is suffering. This is not right or fair. I need my medication. XXXX XXXX has received $ XXXX {$30000.00} a year from my insurance and the copayer for over 7 years for my prescription, and they are unwilling to admit they made a mistake and write-off the {$320.00}.
06/08/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 35020	Web
I'm contacting you in regards to a medical bill that has gone to collections in error and the company is threatening to report this information to the credit bureaus as a result. The medical bill is from a work related injury dated back in XX/XX/XXXX. After I was injured on the job I immediately reported the incident to my supervisor. At that time, my supervisor was the XXXX XXXX XXXX XXXX XXXX meaning she was over all medical billing for the XXXX on my previous job where I worked and where the injury occurred. After I reported the work related injury my supervisor she then stated she would be over to my work area to give me a worker 's compensation form and I would need to get that form in order to see the doctor. My supervisor then advised me to give the worker 's compensation form to the admitting clerk at the Emergency Room, so they would know how to bill the worker 's compensation company. My supervisor also stated that the worker 's compensation form would cover my emergency room visit she, also gave me a incident report form from the incident. After my visit at the Emergency Room I contacted the hospital call center and requested my billing statement because I haven't received one within a months time. After I made the request to receive my billing statement with the call center. I then received a UB-04 ( Universal Billing Form ) Form in the mail from the call center. The UB-04 form is different from an actual billing statement. You would use a UB-04 Form to file claims with. So, I contacted the hospital call center again this time I requested to speak with a supervisor. I explained to the call center supervisor that I haven't received a billing statement from my date of service from XX/XX/XXXX. I also explained that I worked in the business office where I handle all medical billing inquiries at the hospital location. I proceeded to explain that normally a patient would receive a billing statement within two weeks of the date of the service and I haven't received a billing statement in months. Therefore, I made another request for my billing statement with the hospital call center supervisor. After the request was made I received another UB-04 form later by mail. After several attempts of the hospital call center denying my request for me to receive my billing statement. Several months later, in XX/XX/XXXX I received a collections notice from the emergency room visit from XX/XX/XXXX date of service. The collection notice stated that several attempts had been made by the hospital in regards to them contacting me about my medical bill and I ignored those attempts. The billing statement from the hospital stated, if that amount I owed wasn't paid within a certain amount of time my account would be sent to the hospital 's collection agency. I tried to resolve this issue with the hospital, but everyone I spoke with ignored my response. My account was then transferred to the hospital collection agency where I also sent them documentation showing that I was injured on the job and I submitted documentation of the worker 's compensation information. Once again my request was ignored and denied. Now the hospital has hired another collection company to seek the amount.
08/13/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33418	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XXXX REVCO SOLUTIONS XXXX Reported : XXXX XXXX, XXXX + {$19000.00} Needs Attention REVCO SOLUTIONS XXXX Reported XXXX XXXX XXXX, XXXX + {$2500.00} Needs Attention REVCO SOLUTIONS XXXX Reported XXXX XXXX XXXX, XXXX + {$10000.00} Needs Attention REVCO SOLUTIONS XXXX Reported XXXX XXXX XXXX, XXXX + {$18000.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious REVCO SOLUTIONS XXXX Reported : XXXX XXXX, XXXX + {$19000.00} Needs Attention REVCO SOLUTIONS XXXX Reported : XXXX XXXX, XXXX + {$2500.00} Needs Attention REVCO SOLUTIONS XXXX Reported : XXXX XXXX, XXXX + {$10000.00} Needs Attention REVCO SOLUTIONS XXXX Reported : XXXX XXXX, XXXX + {$18000.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
08/20/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33407	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XX/XX/2019CBCSReported: XX/XX/2019+$XXXXNeeds AttentionCBCSReported: XX/XX/2019+$XXXXNeeds AttentionCBCSReported: XX/XX/2019+$XXXXNeeds AttentionCBCSReported: XX/XX/2019+$XXXXNeeds AttentionYour company have violated FCRA 615(f) (15 U.S.C. § 1681m (f))(f) Prohibition on sale or transfer of debt caused by identity theftYou have not responded to my request to provide me with an investigation report.I need this resolve , under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence(1) In general No person (company) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.(2) ApplicabilityThe prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph (1) after the date of a notification under paragraph (1).(3) Rule of constructionNothing in this subsection shall be construed to prohibit--(A) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft;(B) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing; or(C) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.The reference items are listed below please take this matter very serious CBCSReported: XX/XX/2019+$XXXXNeeds AttentionCBCSReported: XX/XX/2019+$XXXXNeeds AttentionCBCSReported:XX/XX/2019+$XXXXNeeds AttentionCBCSReported: XX/XX/2019+$XXXXNeeds AttentionI have report your company to consumerfinance.govAs a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of CaliforniaStop collection proceedings against me• Signatures on applications and accounts• Investigators reportXXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
10/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33484	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Credit Bureau Collection Services XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious Credit Bureau Collection Services XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
12/14/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WA 98225	Web
I have received calls on an almost daily basis from XXXX XXXX XXXX about a debt I should not owe. In the fall of XXXX, I was injured playing a XXXX Volleyball for my university- XXXX XXXX University XXXX XXXX XXXX PA. Since my insurance ( XXXX XXXX XXXX ) was based in WA and I attended school in PA, my insurance recommended I go to the ER so that I could be covered for an MRI/Xray if the doctor deemed it necessary, which they did. I have the documents from the Doctor explaining his thoughts on the injury. The Hospital administrator was on the phone with XXXX XXXX XXXX trying to get the authorization that night but they assured him it would get covered eventually and a few days later it was cleared so I got both tests done. A month later, I was injured again and my insurance decided they would not cover the new XXXX and were going to back out of paying the first one too. Since I had secondary insurance as an XXXX ( Through XXXX XXXX XXXX ) I submitted my claims to both ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX so that XXXX XXXX could deny it and then provide an XXXX so XXXX XXXX XXXX could Approve the coverage. The Hospital ( XXXX XXXX ) refused or chose not to bill my insurance in the proper order, meaning that I had to call several times a week ( including calls to XXXX XXXX XXXX and XXXX XXXX XXXX ) to try to get it sorted out. After months of calling, they were able to properly bill my primary and secondary insurance on some smaller charges but still did not do that for the larger amount, regardless of how many times I called. Each of the places I called would all point to the other as the source of the error. For about 6-8 months I did not receive any communication from the Hospital and assumed the bills had finally been distributed properly. Apparently the Hospital decided to send my debt to a collector without my knowledge even though they were at fault for not billing the insurance in the proper order, which I gave them numerous times. Now I get pestered by XXXX for a large bill I should n't even owe. They have told me that it will damage my credit multiple times and have even found a way to contact my family members without my permission or knowledge.
12/16/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH 43123	Web	Servicemember
Our XXXX year old XXXX boys were being seen by speech therapist at XXXX XXXX 's hospital in XXXX Ohio. Our healthcare provider ( XXXX XXXX XXXX ) began paying for the treatment for the first 6 months. Suddenly, XXXX XXXX XXXX stopped paying for the speech therapy sessions. We were contacted by the billing department of XXXX XXXX 's Hospital of an outstanding debt. When we contacted XXXX XXXX they claimed that XXXX XXXX XXXX XXXX had never received authorization to provide XXXX to the boys. In addition, XXXX XXXX alleged that the contract with my employer had changed and the boys were no longer covered for XXXX. My employer ( XXXX ) maintains that there was no coding change in the contract between the city and XXXX XXXX. XXXX XXXX 's Hospital claims that authorization was given by XXXX XXXX to treat the boys. At this time we have no idea of who is being forthright. Had we known in advance that the therapy sessions would not be covered, we would have taken a different approach. At this time XXXX XXXX 's hospital has sent our account to collections claiming that we owe over {$2000.00}. Again, XXXX XXXX paid XXXX XXXX 's XXXX for nearly three months while the boys were going to XXXX. If authorization was not give to XXXX 's Hospital than it is my belief that the hospital should have notified us. If a request for authorization was not received by XXXX XXXX then why would they pay close to {$1000.00} in medical expenses. Finally, it would be incumbent upon XXXX XXXX and XXXX XXXX XXXX Hospital ( XXXX ) to notify us that the insurance would not cover the treatment. Especially before it reach the level of thousands of dollars. No one has been able to explain to us how we arrived at this point.
05/20/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	KY 40508	Web
In XXXX of XXXX, I received a letter in the mail from CBCS stating that I owed a {$4300.00} bill for XXXX XXXX of XXXX. I immediately called to dispute the claim. I let them know that the bill could not possibly have been mine because I left XXXX when I was XXXX years old when I moved to XXXX to attend school. I have also spent the past few years abroad, and in fact XX/XX/XXXX was the first time I opened up a utility bill account under my name in the United States. I also let them know that I am currently disputing another fraudulent account that was taken out under my name while I was living in XXXX XXXX in form XXXX-XXXX. They said that they would send me paperwork to fill out so I could file the account as fraudulent. In XXXX, after a month of not receiving anything, I called them again. They said that they had " mis-written my address '' ( although they had been sending me letters to collect the amount they claimed I owed ), and that they would send me the packet so I could file it as fraud. A month later, today, XX/XX/XXXX, they sent me a letter saying I still owed the full amount. I tried to call the number that they listed in their letter ( XXXX ), but it was just infomercials, with another number to call at the end ( XXXX ). This number also just lead me to more infomercials and when I refused the " free trip '' offer, it hung up. I called their offices, which were closed and left a voice mail. I strongly believe that this company is giving misleading information and faulty numbers in order to drag out the 30 day period they claim to give in order to legally come after me, even though this is a fraudulent charge.
01/25/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	MI 480XX	Web
RE : Account number CBCS - XXXX Dear CFPB, Please accept this letter as a formal complaint against XXXX Hospital and their 3rd party collection company, Called CBCS. Please know that I have attempted to straighten this out with XXXX Hospital and CBCS several times with no results. My complaint is as follows, In XXXX 2015, I made XXXX payments to XXXX Hospital as noted below. Proof of all payments is attached XXXX XXXX, 2015, made payment of XXXX. This electronic payment from my XXXX account was made too XXXX hospital, who transferred the money to CBCS. Payment was cashed on XXXX/XXXX/15 BUT NOT APPLIED TO MY ACCOUNT. XXXX XXXX, 2015, Payment of XXXX hard copy check # XXXX. This was cashed and applied to my CBCS account on XX/XX/2015 XXXX XXXX, 2015 Payment of XXXX hard copy check # XXXX, this was cashed and applied to my XXXX Account on XXXX/XXXX/15 XXXX XXXX, 2015, Electronic XXXX payment of XXXX was made to XXXX who transferred the money to CBCS. This payment was cashed and applied to my CBCS account on XXXX I have requested a statement from CBCS of my account and all transactions, they refuse to send it to me. I have filed a dispute with CBCS and their investigation deemed that they did post my payment to my account. However, my account balance is not showing that this was done. NOTE- This is the 2nd time in a year that XXXX and CBCS has lost my electronic H., XXXX payments. Please assist me in getting this matter resolved and my lost money found along with an apology from XXXX and CBCS. Respectfully XXXX XXXX
11/14/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IN 469XX	Web
I had been paying on XXXX Hospital bill ( account # XXXX ) in the amount of {$1300.00} for Date of Service XX/XX/XXXX, religiously, every single month to XXXX XXXX XXXX ( XXXX ) in XXXX, Indiana. Then one day, my husband went in to pay the bill, and he was told by a XXXX representative that " nothing else was owed on the bill. '' The money ( {$50.00} ) was immediately given back to my husband, and we heard nothing else regarding this bill until XX/XX/XXXX. In XX/XX/XXXX, I started receiving calls from CBCS Collection Agency ( phone XXXX ) regarding this bill. However, I NEVER once received any documentation whatsoever from CBCS regarding this account, even though I asked several times for written confirmation that this debt was owed, or what the new amount was. Around XX/XX/XXXX, I started receiving calls from XXXX XXXX XXXX, stating that I owed the exact same amount on the exact same account to their law firm on behalf of the same hospital. Once again, I NEVER once received any documentation whatsoever from XXXX XXXX XXXX regarding this account. *According to the Fair Debt Collection Practices Act, I should have received some sort of documentation within 5 days from both of these collection agencies, but I DID NOT! Now, I am getting multiple calls from both agencies at the same time! Therefore, I vehemently DISPUTE THE VALIDITY OF THIS DEBT!! and I intend to stand up for my rights. Two companies can not legally pursue the same debt at the same time.
06/24/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OH 43211	Web
I was reviewing my Credit Report and I noticed a few account that I never done business with on my report from a CBCS # XXXX There are several reentries on my report. I am requesting a PROOF OF CLAIM or SIGNATURE.. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant
10/03/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	OH 45014	Web
CBCS verbally has told the XXXX XXXX XXXX XXXX that I owe XXXX and CBCS tells the XXXX XXXX to tell me to call and make payment arrangements but they have not sent me a letter or any written communication that I can dispute. I have no idea what this amount is about. I asked the XXXX center and they said CBCS knows the dates of services and amount and what the charges are for supposedly but the XXXX XXXX will not help me at all. I tell XXXX XXXX I have received nothing from CBCS but CBCS tells XXXX XXXX that CBCS want me to call them and make payment arrangement or I can not see my doctor. I am not agreeing with this at all. I 've been going to this place for treatment for a long time. I had a balance of XXXX and all of the sudden I have a balance of XXXX. I have had no opportunities to see what this is about, why I am being accused of this amount other than I told XXXX in the billing department she was very rude to me and ever since I have been targeted of being bullied by this billing department. Why would I call CBCS when I have never received a letter from them but the XXXX XXXX said CBCS has this amount and that is where XXXX XXXX got this number. It 's ridiculous to me how I have never heard or seen this amount ever before. The XXXX XXXX has sent me to collection for an amount that was paid by insurance, then they said I owed it and so I payed it and then they also sent me to collections for the amount that had already been paid twice.
08/14/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33063	Web
As of XX/XX/2019, I checked my credit profile and noticed an account in collection from CBCS for XXXX XXXX XXXX. I immediately contacted XXXX and the collection agency CBCS to notify them that this account was a fraudulent account that did not belong to me because I have never been to that hospital before. On XX/XX/2019 CBCS responded to my dispute and sent me a letter stating that after investigating my dispute they have stopped all collections activity on this account and requested that the credit bureau remove the collection account from my credit report. What occurred after this letter was sent to me has left me confused because according to the credit bureau, CBCS removed the account from collections for a few day then reopened the collections account. On XX/XX/2019, I called XXXX to check the status of the collections removal and the representative stated that they determined the account belong to me. At this time the collection agency and XXXX are refusing to remove this fraudulent account from my credit file. They have also refused to provide me with any type of documentation proving that this account belongs to me. This situation has caused me a lot of stress because I should not be penalized or punished due to the fact that I am a victim of identity theft.
09/30/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	AZ 85021	Web
This is a complaint from XXXX XXXX against CBCS for CBCS 's failure to provide requested information for the debt alleged. On XX/XX/2016, consumer, XXXX, received a demand letter from creditor, CBCS. On XX/XX/2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. It has been over six weeks since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
12/06/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	NY 142XX	Web
In previous complaint,XXXX I advised that Credit Bureau Collection Services, had contacted my primary number. At that time they had taken part in 3rd party disclosure as advised in complaint listed. I at that time on XX/XX/18 I advised this company of my wish of a verbal cease and desist. Advising them to no longer contact myself by phone, I only wanted to correspond through my verified mail address. On XX/XX/XXXX at or around XXXX I recived a call from this company from phone number listed ( XXXX ). They were attempting to collect the medical debt once again via phone. This company never supplied me with a validation of debt, nor a chain of custody agreement as I requested. They are now not only violating my rights as a consumer, and my legal verbally cease and desist order I provided them by again calling me, they are now also violating yet another law. They are foreshadowing the validation period, by attempting to collect and taking part in collection activity of the debt prior to myself being provided the validation paper work that I verbally requested on XX/XX/2018. The law states that they must refrain from collection activity for 30 days, after they hav supplied me with the validation paperwork I requested.
09/06/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33410	Web
I was admitted to XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX FL on XX/XX/XXXX, Ref # XXXX with XXXX XXXX XXXX. I was there for about 6 hours and care that was provided is unacceptable, as well as treatment. I was prescribed 5 different medications, but wasn't explained what are they for and how it should resolve my XXXX. I followed instructions as prescribed and my condition didn't improve at all, I was worse. I called XXXX on XX/XX/XXXX for additional instructions, my XXXX XXXX XXXX had increased and I was told to come back to XXXX. Due to my increase XXXX XXXX XXXX, I was not comfortable going back to XXXX because of their concern about money and not my care as a patient. I contacted my primary care physician on XX/XX/XXXX who was out of town, the on-call physician was out-of-network. Desperate for pain relief and concerned about my dangerously XXXX XXXX and I was placed under the care of the only physician available. I received a bill from XXXX 4-5 months later with outrages charges - one of them was XXXX XXXX for {$7600.00}. Not only did I receive astronomical charges, but I was forced to seek additional urgent medical attention. I feel these medical practices were unfair and deceptive.
07/14/2020	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CO 805XX	Web
I owed a debt with XXXX of approximately {$900.00} for services provided in XX/XX/XXXX. In the end of XXXX I received the first statement dated XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX and put this debt on a payment plan of 12 payments of {$78.00}. This amount was debited on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for a total of {$310.00}. On XX/XX/XXXX I received a notice from the company XXXX XXXX stating that this account was overdue and it was sent to collections. On XX/XX/XXXX I called XXXX ' billing department, spoke with XXXX XXXX ( supervisor 's name is XXXX XXXX ). XXXX was able to verify that I setup a payment plan via phone on XX/XX/XXXX and informed me that due to a XXXX ' internal accounting mistake this debt was sent to collections even though I was making the payments on time, per the agreed upon payment plan. I believe that this was done in bad faith, and that XXXX sent my debt to collections with the intent to intimidate me, giving me no option but pay the debt in full, even though we had agreed on a 12 month payment plan. I felt threatened and afraid that this debt would be reported to the credit reporting bureaus and therefore paid the remaining debt in full on XX/XX/XXXX.
07/23/2018	No	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	SC 29485	Web
I had XXXX at XXXX XXXX Medical Center on XX/XX/XXXX. I received my first bill the end of XXXX XXXX after which I called them and explained that I am only receiving {$320.00} a week on unemployment ( ended in XXXX ) and would need to make monthly payments until the bill was paid off. Since that phone call interaction I have made the following payments. XX/XX/XXXX {$100.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} I received a collection letter dated XX/XX/XXXX after which I contacted XXXX XXXX again and told them I was continuing to send them payments as agreed to earlier and did not understand why I would be sent to collections. Today when I got my mail, XXXX XXXX has returned my XXXX payment stating they are no longer handling my account. This seems illegal since I was making an honest effort to pay the debt. I have not received any further correspondence from the collection agency and my XXXX payment is not shown on the XXXX collection agency letter and was not returned to me so XXXX XXXX must have excepted it but did not apply it to my outstanding debt. XX/XX/XXXX XXXX XXXX amount due {$2000.00} XX/XX/XXXX CBCS Collections amount due {$2000.00}
03/28/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	SC 29412	Web
I received medical treatment from XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each visit I paid {$100.00} and advised that I would like to set up a payment plan after treatment was complete. The staff was willing to accommodate this request. The remaining billable balance of these three treatments due to XXXX XXXX XXXX XXXX was {$730.00}. I offered to settle the account in lieu of monthly payments for 50 % of the balance ; this offer was accepted and I received a settlement offer via certified mail for {$360.00} to close these three accounts. This payment was to be made by XX/XX/XXXX. The payment was taken from my bank account on XX/XX/XXXX. I requested several times for paid in full letters for the 3 accounts but did not receive them. Two of the three accounts have since been placed with 3rd party collections ( CBCS/XXXX XXXX XXXX, OH XXXX ). The third is still housed with XXXX XXXX XXXX XXXX. Payment has been acknowledged and applied to only 1 of the 3 accounts that is currently shown as open. XXXX XXXX XXXX XXXX contracts XXXX XXXX XXXX to handle 1st party collections on their behalf. All communication thus far has been with XXXX XXXX XXXX at XXXX.
09/24/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 20105	Web
I have contacted CBCS via certified mail requesting validation of a claim that I owe them XXXX., made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws.The attempts have gone unanswered were asking for evidence bearing my signature ( Not a transaction list ), showing that I have ( or ever had ) some contractual obligation to pay them.I have not received any proof that Im obligated to pay them for any debt that has been paid to the original account holder and been sold, and re-sold again to a third party collection agency. Any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from CBCS for a debt that I don't owe, is a violation of the FCRA & FDCPA. 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.Therefore if CBCS can not validate according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract, this must be removed.
06/28/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 13045	Web
I was told that I visited the XXXX XXXX XXXX in XXXX, New York, XXXX on XX/XX/XXXX and had a surgical procedure done. The fact is I never visited this medical center in XXXX as I was living in a totally different location at the time. There are a few other circumstances that go along with this billing which shows very old address information on the account. Old information that goes back to the early XXXX 's. This billing would have been paid by my insurance company at that time. However, I must point out, I have never received any billing statement from the original creditor XXXX XXXX XXXX for this amount. I feel I am being scammed and harrassed by this debt collector for a debt which I have no proof that it was a service I personally rendered. The information given to me by debt collector : CBCS, XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX ; does not show me what type of treatment it was for, the name of the doctor performing the treatment, the address of the hospital, a phone number to contact the hospital for verification of billing, no signature identification proof to verify that it was me, plus sending HIPAA information through the mail.
06/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 22192	Web
Hello. On XX/XX/2020, I received a collection letter of a " past due amount on account that was placed with this office for payment. '' CBCS Company, a XXXX XXXX XXXX. I am being contacted for a debt that I do not owe. This is a consumer loan with XXXX. I was " coerced '' into being a Co-Signer on this account by XXXX XXXX. XXXX. It is an attempt to defraud me. Verbal promise made to me by Mr. XXXX to pay the loan. Attached is collection letter from CBCS. I have attached also most recent Consumer Loan Statement, from XXXX, for this account, that clearly shows Mr. XXXX 's name, and Not mine. Mr. XXXX has a mental issue ; has been stalking me, I have previously taken him to court to stop contacting me. I asked XXXX to remove my name from loan, and it was refused. I ask that XXXX make the arrangements to remove my name from the consumer loan. If needed I will seek additional assistance to accomplish this, including legal action. BE SURE TO SEE AND VERIFY THE LOAN NUMBER IS THE SAME AS THE " Creditor Account Number '' AS STATED ON THE CBCS LETTER, Dated XX/XX/2020. Thank you for any assistance from CFCB regarding this issue.
02/10/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CO 80016	Web	Servicemember
A debt collection company ( CBCS ) continues to harass me an d try to collect on a debt that has previously been paid. I have subsequent billing statements that show the debt as no longer being owed, and that I am 100 % current. On their first attempt on XXXX XXXX, 2015, I sent a cease communications letter that explained that their charges were in error and that I choose not to work with a third party collection agency. On XXXX XXXX, 2015, they sent an additional letter demanding payment. I replied stating that I do not wish to work with a third party collections agency and to please cease communication with me in regards to this error. Today, I received a third harassing letter demanding payment for a debt that I have previously paid in full to the original creditor. I have penned a third cease communication letter and will mail it out in the morning certified mail. I have copies of the certified mail receipts for the first two letters, and a copy of the letter 's themselves if needed. I suffer from XXXX ( XXXX ). I just want this harassment to stop! Please feel free to contact me for additional information. Thank you!
09/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 20906	Web	Servicemember
My original letter to CBCS on XXXX/XXXX/16 acknowledged their your demand for payment in the amount of {$470.00} on behalf of XXXX XXXX XXXX XXXX. They provided no information about this account. I demanded " that you provide the following information to me within 14 days, otherwise under the provisions of Public Laws XXXX, also known as the Fair Debt Collection Practices Act, that you and your organization must CEASE & DESIST all attempts to collect any and all debts. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the Maryland XXXX Provide details regarding this account : 1. Property address 2. Dates of service 3. Complete payment history 4. How this amount is calculated 5. Proof that this is in fact my personal debt, rather than that of a business entity. This proof must include any and all signed documents by me assuming personal responsibility. " I never received a reply until a letter dated XXXX XXXX, 2016 which is the exact same demand for payment/settlement with no evidence that this is my account.
07/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 208XX	Web
The company XXXX has issued a debt collector, CBCS, to collect on a false debt that has already been paid for. I purchased a ladder from their website online and have records of payment and receipt, they do not ship a ladder unless it is paid for, so there is absolutely no reason for them to try to collect on a debt that has already been paid for. I then got letters from a debt collector indicating I still owe for the ladder that I already paid for. The balance is {$230.00}, but I already paid this and should not even be seeing this debt. I already sent proof of payment to the debt collector and told them I am disputing the debt, while they only replied to me a letter indicating the bill of which I have paid for. Again, you can not get merchandise from this website unless you pay for it, so there is absolutely no reason why I am being billed for a ladder I already paid for.
06/19/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
XX/XX/XXXX CBCS CBCS XXXX XXXX XXXX XXXX ( XXXX ) XXXX I Spoke with XXXX at XXXX on XX/XX/XXXX. I am formally requesting that you validate all notations you have submitted to the three major credit reporting agencies by CBCS for me, [ XXXX XXXX ], for account number XXXX. Due to possible inaccuracies in these credit reporting agency reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally. Please know that you have 30 days from the tracked and confirmed delivery of this notice to either answer these demands or to remove the associated negative trade line notations from the credit reporting agency reports. Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
03/07/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NH 031XX	Web
I was seen by XXXX XXXX in XXXX NH for a work-related back injury in which there is an open claim verified by the State of NH workmen 's comp. XXXX was to followup with the company and apparently did not and even though i repeatedly told XXXX to contact my former employer 's workmen 's comp insurer they did not and repeatedly harassed me then sent it to cbcs collections out of XXXX NH who has continually called me using a dummy rhode island phone number and leaving no messages. I repeatedly spoke with reps from cbcs explaining workmens comp and even offered to pay the bill to avoid negative credit reporting even though i am not responsible for it but was told i did not have to if it was workmens comp by XXXX. I forwarded a copy of the workmens comp claim letter to cbcs XXXX XXXX but they continue to keep calling me.
01/11/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 945XX	Web
I have an active account with XXXX & XXXX for my home address. On XXXX XXXX XXXX I received a collections notice from a Real Estate company indicating someone had used my SS # to open a lease and utility account at the XXXX XXXX Apartments in XXXX, CA. I filed a police report documenting that I did not open this account. I sent the requested dispute documents multiple times to XXXX & XXXX in an attempt to get this resolved. I have an Identity Restoration service through XXXX and XXXX XXXX and have a licensed investigator assisting me in resolving these issues. He has also sent the requested documents certified mail return receipt requested several times. XXXX XXXX XXXX continues to claim that they have not received the documents.
05/11/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85710	Web	Older American, Servicemember
I received a collection notice dated XX/XX/XXXX from a company named CBCS for a medical bill from XXXX XXXX XXXX XXXX Hospital in XXXX, AZ. for {$100.00} for services on XX/XX/XXXX. I contacted the hospital and they did not have any record of the charge with the account number listed on the notice.The account # liisted on the notice was XXXX. We did have two payments for that amount to XXXX XXXX 's last year in XX/XX/XXXX and XX/XX/XXXX, but they were paid. There was a previous fraudulent claim action against this company in which they paid over a million dollars to the FTC for this same type of action. These companies should not be able to continue to bilk consumers out of their hard earned money this way.
04/29/2019	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85021	Web	Older American
CBCS is trying to collect a debt for {$37.00} for an injection not covered by Medicare Health Plan Insurance. CBCS represents XXXX XXXX XXXX XXXX XXXX for a service of injecting some medication which was not approved by my Medicare Health Plan Insurance as medically necessary needed for my treatment, consequently, I am not financially obligated to pay the {$37.00}. Medicare said that if not covered by my health insurance plan I don't have to pay it since I did not know at the time of the service for what the physician gave such injection. XXXX XXXX XXXX XXXX XXXX and CBCS are aware that I am covered by Medicare which is a fixed contracted price service which approves medically necessary medication only.
01/05/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MS XXXXX	Web
I received a phone call on XX/XX/XXXX from an agent from cbcs trying to get me to validate a debt that is being held in their office..I answered the call because I have asked the collection agency not to call me any further because I pay this debt directly to XXXX and I have been since XX/XX/XXXX, cbcs has not adhered to my request ... They have gone to the extent to call me from local numbers which I answer because of the area codes ... I am asking that cbcs to not contact me any further and to release this collection back to XXXX..The payments are made directly to XXXX under my account number which was generated by XXXX ... I do n't owe cbcs and they are continuing to harass me on a daily basis..
05/29/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OH 45039	Web
I habe received numerous letters from a collection agency regarding a XXXX bill that I do not owe. I replied several times including copies of bills that show there is a XXXX balance, but I continually receive letters that they checked on this and that I still owe this bill. I have now wasted so much of my time speaking to both the billing office at the doctors office and speaking to this debt collector and writing letters that it has become ridiculous. It is not the money but the principal of the matter that I should have to pay a bill I do not owe. Also I am worried about my credit, which I am trying to reestablish after a bad credit history due to a criminal act. Please help me with this.
11/10/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 150XX	Web
In XXXX of XXXX my son had a case of XXXX XXXX. My ex wife and I have shared custody and he was with her at the time. When we talked I suggested making an appointment with his family doctor. Instead she took him to the ER and incurred this debt. Earlier this year the collection agency started making continuous phone calls to me. I have requested documentation that this is my responsibility but so far have received none. Also comments have been made by their agents to the effect of " so you would not pay for your son to get medical attention? '' Frankly, no, when it is not necessary, done without my consent, and could have been handled by his PCP and covered by insurance.
12/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MO 65536	Web
I noticed a new collection on my credit on or about XXXX When I contacted the gas company who sent this to collections I was told they had a system reboot XX/XX/XXXX an no longer have access to the records. I have repeatedly requested verification of that I owe or how I owe this bill when I did not reside in the residence at the time they claim. I have yet to receive verification of my request. The company has point blank told me that the burden is on me to prove I do not owe them. I know I do not owe this bill as the previous owner holds records of this time frame that he has paid the bill to this service in the same time frame the company claims I owe.
12/29/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NE 68123	Web	Servicemember
Receive notice from credit bureau that a collection file was added to the 3 credit bureau, for a XXXX dollar debt. I have yet to receive a written documentation from this collection agency in order for the right to confirm, or reply for verification of debt per. the fair credit reporting act. But they added this debt without giving me due process to verify this debt. In doing such I had no right to dispute or confirm if this an original debt is correct. in doing this unfair practice my credit score was drop, and made collection added as if it valid. I 'm a single parent trying to do right I will not be rail roaded unfairly.
04/25/2019	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85021	Web
CBCS, a debt collection agency stated there is a balance of {$80.00} for XX/XX/18 which was paid. The creditor XXXX XXXX XXXX received {$80.00} for ER admission fee for 4 visits made XX/XX/2018 thru XXXX, 2018. Payments for the {$80.00} co-payments ER Admission fee payment was made {$40.00} on admission date and {$40.00} payment later with my debit card or check. XXXX XXXX XXXX Payment Summary for Account XXXX don't show any outstanding balance. A copy of XXXX XXXX XXXX Payment Summary was sent via fax to CBCS for their records, but CBCS insists there is a balance of {$80.00} which I don't agree is an outstanding debt.
01/17/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MS 38654	Web
This company continues to contact me about debt they claim that I owe to XXXX XXXX. After numerous conversations and calls I have 2 different reference # s from XXXX XXXX stating I do not owe them money and my account is closed and in good standing. The error was on their part as they credited it to the wrong account. XXXX XXXX also stated that the creditors contacting me are not agencies that they work with and have never heard of them. They feel some of these companies are fraudulent. XXXX XXXX reference # 's stating that my account is in good standing with a zero balance XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX
09/05/2017	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	SC 29115	Web
On XXXX XXXX XXXX I sent CBCS a letter requesting validation of an account they stated I owe. CBCS states I owe XXXX for a XXXX XXXX XXXX XXXX credit card. When I first received a collection notice from CBCS I checked my credit reports and determined that the XXXX account they are attempting to collect is not my account. I tried to get validation from the original creditor but they did not provide a contract nor an agreement that bears my signature. I disputed that account with XXXX through the Consumer Finance and Protection Bureau which was turned over to the Office of the Comptroller of the Currency ( OCC ).
01/29/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NH 031XX	Web
CBCS claims I owe them {$90.00}. Im very familiar with my rights as I work with credit disputes. They are unwilling to provide me any documentation substantiating their claim other than a screen shot of their transaction information. Ive loged into the hospitals billing center and confirmed that i have no past due bills. I have explained this to CBCS and requested original official documents showing absolute proof and they have refused to accommodate. I spoke with a supervisor who told me the burdon of proof is on me, which i know is false and to lie to me about this is a violation of my consumer protection.
06/11/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 75093	Web
as of XX/XX/2018 {$1900.00} was paid to XXXX XXXX XXXX. THE COLLECTION COMPANY WAS TAKING OUT {$130.00} A MONTH AND STOPPED. THERE WAS NO COMMUNICATION. RECEIVED A CREDIT REPORT AND THE REPORTED THAT {$2300.00} WAS OWED ON MY CREDIT REPORT. THE BALANCE IS {$1300.00}. I CALLED THE COLLECTION AGENCY AND THEY STATED THEY DID NOT KNOW HOW THAT ACCOUNT OR AMOUNT GOT ON MY CREDIT. I REQUESTED THAT THEY REMOVE THE INCORRECT REPORTING AND THEY STATED ONLY IF I PAID THE BALANCE IN FULL. I ADVISED THAT THE AMOUNT IS INCORRECT AND THEY STILL REFUSE TO UPDATE THE INFORMATION CORRECTLY.
06/09/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20772	Web
I have a complaint with CBCS. I was looking on my credit report ( earlier this year ), seeing that I had a outstanding balance from them of XXXX. My first attempt on XX/XX/2019, sending them a certified validation letter which they recieved on XX/XX/2019. I have not recieved a responce back from this company and its been more than 30 to 40 days. I never lived at the address they are saying I lived at, in XXXX. I have never had electric in my name and dont know where this company came from on my reports. I would like to see this removed off my credit reports.
03/02/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 016XX	Web
I received notification via a letter that was mailed to my new home in MA that appears to be a scam but I can not tell for sure. The notice came from CBCS supposedly, and has my old address as a service address for a XXXX XXXX XXXX XXXX charge but no company is listed and utilities were included in that place of residence where I lived for the entirety of my time in XXXX. I also have not lived there since 2013 and this is the first notice I am receiving. I want to verify that this bill I received for {$30.00} is a scam and report it if so.
05/05/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA XXXXX	Web
Despite my formal notification to the collection agency on X/X/2016 that the charges assessed me by XXXX were fraudulent and the evidence I submitted indicating that the utility company actually owed me money because of the many XXXX and late fees erroneously assessed to me either by or because of the utility company over the course of my 14 years as a customer, XXXX failed to forward the charges back to the creditor -- as required by Federal Law -- and went ahead with reporting the debt to the collection agencies.
11/29/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 751XX	Web
First, this is a medical bill. Secondly, the amount I was told I would owe was SIGNIFICANTLY lower than this collections account of {$15000.00}. I was told by hospital my bill would be 10 % of total. Initially insurance paid but then requested refund. Hospital then billed me for this balance. When I contacted them they refused to investigate further and said I needed to contact insurance company even though hospital is the one who initially agreed to only charge me the 10 %. This medical procedure was done XX/XX/2018.
01/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	VA 225XX	Web
CBCS had XXXX accounts for XXXX and XXXX bank. I sent money and the debt was not paid. XXXX claims I still owe {$100.00} and XXXX XXXX XXXX took {$110.00} from my bank account. When I called CBCS they claimed that I never had accounts with them. I can not show the payments as it was debited from a XXXX XXXX card that the employer ( that I no longer work for ) used to direct deposit my pay. XXXX claims that they do not generate statements for the payment because I no longer use the card and it was too long ago.
11/03/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CT 066XX	Web
I have been receiving a bill from XXXX medical center for over a year now for case # XXXX in the amount of {$480.00}, I was covered by XXXX XXXX which is a XXXX program in the state of Connecticut who provides insurance coverage, now I recently received a bill from CBCS collections agency for that amount which I should have not received. I spoke with a gentleman in the billing department at XXXX Hospital and advise him they need to be contact the collections agency and bill Connecticut XXXX.
07/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30228	Web
I live in XXXX. The debt that the debt collectors are trying to collect on is debt from XXXX XXXX. I have not lived in XXXX in over twenty years. Me and my son have the same name and the debt that they 're trying to collect on is my son 's debt. I have stated this to them and I have also told them that me and my son at this current moment do not have any contact with one another but they are still calling and trying to send documents to my home to collect this debt.
07/29/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MI 49442	Web
I have received a derogatory mark on my XXXX credit score from CBCS for the collection of {$140.00} ; account opened XXXX XXXX, 2017. Though this mark shows up on my credit score history, I have yet to receive any paper documentation from the company explaining what company I owe money to or a " Right to Despute '' letter for this debt. I would like to know more information regarding this debt so I will be able to have it paid and removed from my history.
10/25/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 07105	Web
Please close this Collection on my XXXX account I paid this account and she continues to report on my credit as not paying I have already sent a paid account document to the XXXX to remove this account and it remains in my credit Account # 1 {$150.00} Balance XXXX XXXX XXXX XXXX XXXX Original Creditor {$150.00} High Balance XX/XX/2018 Opened Date XX/XX/2018Last Reported Individual Responsibility Dispute resolved ; reported by grantor Remarks
09/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 080XX	Web	Servicemember
I signed up with XXXX XXXX XXXX to handle my electric bill. They Canceled my service I do not know why?. I did not cancel it. Now they have XXXX collection agency after me. The first XXXX is XXXX XXXX XXXX XXXX XXXX XXXX. Account # XXXX XXXX # XXXX and the other company is CBCS ( XXXX XXXX XXXX. Account # XXXX And The CBCS account # XXXX. I paid all my bills and I do not know Why they canceled me. I will not pay for something this.
04/03/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 95350	Web
I went to XXXX XXXX XXXX on XX/XX/XXXX, that say I owe a balance of {$830.00}. I do not have that amount of money I am a XXXX XXXX who got furloughed by their job. I barely received this notice on XX/XX/XXXX. They did however give me 30 days to pay of this debt. I need help I dont know what to Im so young and I dont want my credit score to drop how am I going to pay this debt if I dont have enough money.
01/01/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 334XX	Web
This alleged debt with XXXX XXXX Medical Center is being reported to all three collection bureaus in the amount of {$300.00} for a XXXX in 2015. This {$300.00} was paid to XXXX XXXX prior to my XXXX. It was later refunded to me by XXXX XXXX as I had met my yearly out of pocket deductible for 2015. Therefore, I do not owe this debt. Please check with XXXX XXXX for accurate information.
12/10/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33409	Web
XXXX XXXX XXXX XXXX has placed an account with a collections company stating that I owe a balance of {$670.00}. CBCS is reporting this debt from XXXX XXXX XXXX XXXX to my credit report. This collection agency is incorrect about this debt belonging to me. This incorrect information is placed on my credit report and is affecting my credit report and credit score.
08/10/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 33612	Web	Servicemember
CBCS XXXX. XXXX XXXX XXXX Ohio XXXX Calling me and sending me mail about a debt that is not mine. They called even before I could respond to the letter they sent that said I had 30 days to dispute the debt. CBCS are not very professional at all. The letter was dated XXXX XXXX 2016 and the phone calls began immediately after that. Today is XXXX XXXX 2016
07/15/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92081	Web
I am a member of XXXX and XXXX XXXX XXXX XXXX XXXX was advised of this and not to bill me. I provided them both my XXXX and XXXX information on 3 occasions. They have now sent me to a collection agency, CBCS, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX, Account # XXXX for {$1100.00}. I spoke to XXXX on XX/XX/2020 at CBCS and advised her I was XXXX.
06/28/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	AK 999XX	Web	Servicemember
This company has sent me a collection notice of a credit card debt that I am already paying to another collection company out of XXXX XXXX and have been for a while. They are attempting to settle this debt but has sent no proof that they have been contracted by the original creditor or the collection company I have already been paying to.
12/30/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78520	Web
I I have a complaint with the authorities today and updating this complaint. I have received an alleged debt on a date that I was at work!! I have emailed them a letter and sent via certified mail. This is clearly a false debt. I also enclosed my time card on the alleged dates of service. I am clearly being a victim of identity theft.
08/02/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AR 727XX	Web
CREDIT BUREAU COLLECTION SERVICE , INC KEPT CALLING MY CELL NO.XXXX, SKIP TRACING FOR FAMILY MEMBERS 13 TIMES ON MY CELL OVER THE PAST 7 MONTHS. ( SEE SCREENSHOT PHOTOS ). ALSO, TOLD THEM IN XX/XX/2018 THAT MY NUMBER WAS IN THE INDIANAS DON'T CALL REGISTRY, BUT KEPT CALLING. THEY HAVE VIOLATED THE FDCPA AND TCPA.
01/14/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 38016	Web
On XX/XX/2019 I mailed a dispute letter to CBCS in regards to an alleged debt that I owe to XXXX XXXX. It is alleged that I owe {$100.00}. This is a debt that I DO NOT owe. CBCS only sent a statement but nothing that proves that I owe this erroneous debt. No signatures anywhere. This company is XXXX.
07/02/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43231	Web
I HAVE A ACCOUNT ON MY CREDIT FILE THAT IS NOT MINE CBCS # XXXX. I NEVER BEEN TO XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX THIS ACCOUNT IS DEFINITELY FRAUD OR IT BELONGS TO SOMEONE ELSE. I BELIEVE IT BELONGS TO MAYBE ANOTHER XXXX XXXX. PLEASE DELETE THIS ACCOUNT AND STOP ALL CONTACT WITH ME!
09/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60544	Web	Servicemember
I called XXXX to find that I owe them money for services I never had, they refused to investigate and put the negative item on credit, which is causing me to be XXXX XXXX. Im not responsible for that bill and never had XXXX in my life. They also refused to send me any proof.
07/06/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	TN 37363	Web
I have received several request for payment from a company called CBCS out of XXXX OH. They are reqesting a large amount of money on an XXXX XXXX that is ober six years old that I now longer have any dealings with and I know that this amount is wrong.
01/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	FL 330XX	Web
I filed a complaint against XXXX disputing this bill with what I was told at the time was the correct agency to do so. I do not owe this debt to XXXX, so I should not be receiving notification from any third parties requesting payment for same ...
09/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	KS 66104	Web
Cbcs companies are still making hard inquiries to my credit after i recently filed ( earlier this month ) a complaint they recently ran my credit again XX/XX/2019 without my knowledge or any consent cause my credit score to drop 28 points
05/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	IL 60636	Web
On XXXX XXXX, 2016 I was contacted by a collection agency on behalf of XXXX XXXX XXXX regarding an electric bill which was due for payment on the XXXX of XXXX 2016. However, I never received any previous notification regarding this debt.
01/22/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AR 727XX	Web
ONCE AGAIN CBCS GNORED OUR BANKRUPTCY XXXX XX/XX/XXXX-XX/XX/XXXX AND VIOLATED THE AUTOMATICE STAY. ALSO KEPT CALLING MY CELL SEE ATTACHED. IF NECESSARY WILL RE-OPEN BK AND FILE ADVERSARY PROCEEDINGS COMPLIANTS IN THE AMOUNT OF $ XXXX.
03/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MI 48174	Web	Older American, Servicemember
They are calling my place of work trying to collect a debt i do not owe and have never provided any proof of debt owed and are very rude while i am at work ... this is not very proffesional and where is proof of debt owed???
04/17/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web	Servicemember
was on XXXX XXXX status at the time of the accident. I have written to the credit bureaus about this and this is still being reported on my credit report. I have provided proof of military service at the time of debt
08/24/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 167XX	Web
A company who calls themselves CBCS is calling my work phone constantly as well as leaving messages on my work phone. In the message they state that they are a debt collector who is attempting to collect a debt.
05/31/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	NY 148XX	Web
This is my personal cell phone. I thought creditors could n't call the personal cell phone when it is registered on the DO NOT CALL LIST. These people are calling early in the morning. They are annoying me!
06/16/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA XXXXX	Web
Some unknown person used my credit card information for car service without my knowledge or permission. At the time the charges supposedly took place, I had no car and did not have driving privileges.
11/01/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 18360	Web
They call every day, sometimes twice in a day.I tell them it 's a new number from XXXX and that they want the former owner of that number.They always say sorry and that it well stop.But it does n't.
06/24/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MD 21207	Web	Servicemember
This account with XXXX was closed XX/XX/2017 and charge-off as a bad debt, after 3yrs. a company called CBCS acct # ending in XXXX trying to collect this debt, this, wrong according to federal law.
05/25/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
I received a letter stating that I owe CBCS {$580.00} in which I have no knowledge of this debt. An original creditor was listed as XXXX XXXX XXXX XXXX in which I have never done business.
05/19/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TN 37075	Web
Today I noticed that this company has reported that I owe them a debt. To my knowledge I have never done business with this company nor have they provided me with goods not services.
02/15/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IL 600XX	Web
I have requested several times over the last six months to the credit bureau and the debt collector to verify and validate this debt. I have not received the requested information.
10/10/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60901	Web
The company Cbsc Is trying to collect on a debt that is not valid. Thhs company is not licensed to collect on debts in The State of Illinois as required by the Idfpr
09/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KS 66104	Web
XXXX is reporting a collections account for CBCS on my report that is fraudulent and not mine and must be removed under FCRA and FDCPA or I will file a lawsuit.
08/13/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 631XX	Web
Sent dispute to company on XX/XX/18 and again on XX/XX/18. Did not receive any notification/response back within 30 days as said by FCRA.
05/13/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	TX 75104	Web	Servicemember
I've attempted to have this item removed from my credit file because the debt collector has never contact me regarding the debt
01/18/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75150	Web
CBCS on credit report in error. No proof of debt has been provided. Please remove from my credit bureaus?
06/06/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77449	Web
CBCS IS TRYING TO COLLECT FROM ME A DEBT I DO NOT OWE AND I HAVE NO CONTRACT WITH CBCS FOR A DEBT
08/05/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33065	Fax

06/29/2020	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	LA 70563	Fax

06/08/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	GA 30314	Web

05/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33496	Web

05/21/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33461	Web

05/04/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 92101	Web

04/14/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OK 74133	Web

03/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95110	Web

03/25/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33436	Web

03/18/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19104	Fax

03/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	WI 53545	Web

02/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30161	Postal mail

02/24/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 14225	Referral

02/21/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33409	Web

02/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

02/04/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32303	Postal mail

01/19/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 92592	Web

12/07/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NJ 08902	Web

11/22/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33409	Web

11/22/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30294	Web

11/18/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94122	Web

11/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 38141	Phone

11/11/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33418	Web

10/23/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33013	Web

10/16/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07107	Web

09/26/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38016	Web

08/29/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85730	Postal mail

08/28/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	DC 20017	Referral

08/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92264	Phone

07/16/2019	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	FL 33404	Web

07/10/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 61832	Web

07/06/2019	Yes	Debt collection Credit card debt	Communication tactics Called before 8am or after 9pm	FL 34984	Web	Servicemember

07/05/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 93446	Web

06/25/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85009	Web

06/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33404	Web

06/20/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33404	Web

06/03/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 91403	Postal mail

05/11/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33147	Web

05/05/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33403	Web

04/17/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 20721	Referral

03/27/2019	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	RI 02920	Web

03/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38133	Web

03/07/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	DC 20012	Web

03/04/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 90815	Web

02/26/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 63141	Web

02/20/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 90815	Web

01/24/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33157	Web

01/15/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33314	Web

01/04/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33404	Web

12/20/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33407	Web

12/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	MI 49401	Web

11/05/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30004	Web

11/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 78552	Web

10/25/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33404	Web

10/16/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92233	Postal mail

10/14/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	AR 727XX	Web

09/27/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29730	Web

09/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 49081	Web

09/15/2018	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	OH 45432	Web

09/05/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 79912	Web

08/14/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NH 03225	Web	Servicemember

07/19/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 78207	Web

06/18/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48221	Web

06/15/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 22302	Web	Servicemember

05/30/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NJ 08873	Postal mail

05/30/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MD 20703	Referral

05/29/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 78006	Web	Servicemember

03/31/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	MI 48380	Web

03/29/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78247	Web

03/09/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 48034	Web

03/01/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33556	Web

02/06/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 15853	Web

12/11/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 15131	Web

11/02/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48178	Web

10/03/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77362	Web

09/28/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94530	Referral

07/19/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 12180	Referral

07/07/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 21122	Postal mail

06/22/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 15137	Web

06/02/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	KY 41465	Postal mail

05/05/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33437	Postal mail

04/26/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30281	Web

03/22/2017	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	MI 48081	Web

03/21/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	VA 23701	Postal mail

03/13/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	KY 40509	Postal mail

03/07/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 93065	Web

02/07/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	VT 05733	Web

02/02/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	FL 34787	Web

01/13/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 78232	Web

01/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	OR 97209	Web	Older American

01/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 93612	Web

01/03/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 94523	Postal mail

11/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NJ 07866	Postal mail

10/19/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 45419	Web

10/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MO 63040	Postal mail

07/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 91942	Web

05/09/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MI 48895	Web

05/05/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	OH 43026	Web

04/15/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	WA 98296	Web

04/13/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 45420	Web

03/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	MD 21208	Web

03/03/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IN 47904	Web

02/25/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OH 43135	Referral	Older American

02/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	VT 05346	Referral

02/11/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32798	Referral	Servicemember

01/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	WI 54935	Referral

12/21/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 92262	Referral

11/27/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH 43560	Referral

10/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NC 27824	Referral

10/15/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	PA 16226	Referral

08/31/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 17603	Web

08/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33015	Web

08/07/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NY 10156	Referral

07/16/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 45321	Referral

07/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10038	Referral

06/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30260	Referral

05/26/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	VA 23451	Phone	Servicemember

05/11/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NY 14534	Web

04/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	VA 22003	Referral

04/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 43035	Referral

04/22/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	OH 45342	Postal mail

04/17/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	MI 48043	Web

04/02/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	VT 05051	Referral

04/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 21206	Referral	Older American

03/13/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CT 06475	Referral

03/13/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MI 48188	Referral

02/23/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	AZ 85140	Web

02/13/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 93065	Web

02/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MO 65536	Referral

02/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 28306	Phone	Servicemember

02/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 94404	Phone

01/29/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	IL 60626	Web

01/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 20815	Web

01/13/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OH 45013	Web

01/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 19040	Web

12/27/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95134	Web

12/23/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD 20854	Referral

12/17/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	PA 15425	Web

12/03/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32210	Web

11/24/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 76504	Web	Servicemember

11/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	IN 46368	Web

11/07/2014	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	NC 28025	Web

10/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 76086	Web

10/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 79763	Web

10/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33928	Postal mail

10/01/2014	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	PA 15644	Web

09/13/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 10984	Web

08/20/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 45449	Web

08/14/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 93220	Referral

08/11/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30067	Web

08/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MS 39212	Web	Servicemember

08/03/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	OH 45405	Web

07/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	RI 02920	Referral

07/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	DE 19709	Postal mail

07/02/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 15129	Web

06/11/2014	Yes	Debt collection Medical	Communication tactics Called after sent written cease of comm	OH 45215	Web

05/28/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MI 48060	Web

05/13/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 15243	Referral

04/18/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	GA 30907	Web	Servicemember

04/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 15065	Web

04/09/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	IN 46816	Postal mail

04/03/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	NJ 08232	Postal mail

03/26/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 43527	Web

03/25/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 90077	Web	Older American

03/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	FL 32708	Phone

03/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AL 36037	Phone	Older American, Servicemember

03/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NJ 08831	Referral

03/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 43201	Web	Older American

03/20/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	NH 03077	Phone

03/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MD 20877	Web	Servicemember

02/27/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 44512	Web

02/13/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MI 48195	Web

02/03/2014	Yes	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	VA 22025	Web

01/16/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 44333	Referral

01/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MI 48098	Web

01/09/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NC 27408	Referral

01/08/2014	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	MI 49508	Web

12/18/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MI 48875	Referral

12/11/2013	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	PA 15330	Web

12/10/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OK 73127	Referral

12/10/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MA 02045	Referral

12/07/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	VA 22043	Web

12/07/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NY 10040	Web

11/29/2013	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MI 49509	Web

11/19/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	UT 84032	Web

11/17/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	OH 44406	Web

11/04/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	MI 48239	Phone

11/02/2013	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	OH 43026	Web	Servicemember

10/31/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	KY 41042	Referral

10/30/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MI 48398	Referral

09/25/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	VT 05445	Web

09/19/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	IA 50140	Web	Servicemember

09/01/2013	Yes	Credit reporting	Credit monitoring or identity protection Billing dispute	TN 37601	Web