Credit Bureau Services Association CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
06/26/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OK 73099	Web
Found a collection on my credit report for Credit Bureau XXXX XXXX XXXX XXXXXXXX XXXX for {$3100.00} for a house that I rented from XXXX XXXX XXXX XXXX XXXX. When I moved in I completed a move in sheet and I took video of any damage/repairs that needed to be handled. Turned in the move in sheet as required. No work was ever done. Had a family emergency and was forced to move out only a few months later. Was XXXX month behind on rent. Court ordered possession of property only, no money was awarded ( can provide copies ). Moved out and took video of house upon move out to show no damage or trash was left behind. Videos are time stamped and dated. I contacted Credit Bureau Services, requested validation of this alleged debt, and was provided with a barely legible copy of my lease, an email list of things that were done to the house, a few " bills '' for cleaning up large amounts of trash, charges for the past due rent, and other miscellaneous items that were completely unbelievable ( especially after viewing my move out video ). There was no accounting for my non-refundable pet-deposit either. When I offered to settle this matter for half of the amount owed, I was ignored. So, I went straight to the original creditor, XXXX XXXX XXXX. I was surprised to find that XXXX XXXX XXXX was no longer in business. Instead, there was a new company name, same owner, same address. After researching I learned that the owner, XXXX XXXX, has a very long and sordid history of doing this when XXXX of his businesses starts going under. The new company name is XXXX XXXX XXXX XXXX in XXXX. I filed complaints with the XXXX to try and get some assistance with this matter and get this collection off of my credit reports to no avail. Again, I offered to settle this account for less than the amount owed. I disputed the charges and informed XXXX XXXX that I had the videos of the move in and move out. I was told to stop contacting their offices and only communicate with their attorney, XXXX XXXX XXXX with XXXX XXXX in XXXX XXXX. I reached out to XXXX XXXX via fax at the end of XX/XX/XXXX. He called me a few days later, stated he would look over my account and information and get back with me. I never heard from him again. I tried reaching out again twice during the month of XX/XX/XXXX via fax, and have heard nothing. I paid an extra deposit on this house upon move in. I paid a non-refundable pet deposit when I moved in. The court awarded the company only possession of the property at the time of my move out. I have evidence that this house was left perfectly clean with no trash or damage that was not already there when I moved in ( and was never repaired ). Even if I was to be charged the rent they claimed I owed, that was more than covered by the deposit I made and the back yard clean up was covered by the non-refundable pet deposit they conveniently forgot to account for. I believe these " bills '' are fraudulent. I am more than happy to share the move in video with you, but I have been holding onto the move out video in case I need to use it in court. You are welcome to every other document I have.
07/25/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77303	Web
XXXX XXXX is the Company and CBSA is the collection agency. XXXX XXXX rent houses in the city of XXXX which is just outside of XXXX XXXX Texas, so its considered a military town. Check the history of XXXX XXXX, their known for primarily renting to soldiers who often get XXXX or restationed during their leasing contract. XXXX is known for keeping security deposits and charging people for damages that were already present upon arrival. The XXXX/XXXX normally take care of the debt without investigating. That's exactly what happened to my Wife and I, but were not military. We left his property in better condition then when moved in, we repaired and upgraded several things in the home before we moved out. We broke our contract because my wife got a promotion with her job which relocated us to XXXX. We discussed the situation with XXXX and explained that my wifes employers were taking care of the contract for breaking the lease and they were paying the fees associated with the contract. In true XXXX fashion they keep our security deposit, charged us for not cleaning and added a list of repairs that wasn't even close to being true. This is the norm for XXXX and what they do to soldiers because they know the XXXX XXXX will take care of it, but were not in the XXXX. One of the problems is Mr. XXXX himself never will meet with you or discuss anything with you, he never answers your calls and his office is never open, it's just a building with no one in it. So we later found out that the matter was sent to CBSA collection. We talked to CBSA on several occasions to try to resolve the matter but to no avail. We even sent some payments to them and tried to work out some sort of settlement but there is no negotiating anything with this company, they want it all so I stopped paying because were being charge for things that just simply didnt happen. I hope this matter and this company is investigated and reported for these actions.
06/28/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 76542	Web	Servicemember
Company CBSA is illegally re-aging a debt not owed as I have NEVER received a bill for this debt from the original creditor, therefore violating the fair credit reporting act. The Date of first delinquency is allegedly XX/XX/XXXX, however, CBSA continues to re-age this debt monthly starting XX/XX/XXXX maliciously to make this debt appear new and/or current. After speaking with XXXX Credit, they too, sent a request to XXXX XXXX XXXX XXXX as this company illegally re-aging this debt. CBSA continually sends two medical invoices with the names of minor children attached versus a bill for this alleged debt. The original creditor never sent a bill or any information saying a debt was owed which is why CBSA continues to send medial invoices which are paid by my insurance company. All credit agencies have removed this debt, however, XXXX has not, and has allowed this debt to remain and allows CBSA to re age this debt on a monthly basis. This is illegal according to Federal Law. A police report was filed against both CBSA and XXXX XXXX for fraudulently sending a debt to a collection agency then to credit agencies for a debt that is not owed as no service was provided for the debt they are claiming. They have intertwined medical debt ( paid by insurance company ) with this other alleged debt. My insurance company Tricare ( federal government ) is investigating XXXX XXXX for attempting to bill fraudulently under my name for a provider/doctor I have never been a patient of or seen. Those claims were denied by the insurance company for inaccurate billing and/or billing under a doctor which I was never a patient. After alerting my insurance company of the fraudulent activity, the company XXXX XXXX retaliated by sending medical invoices intertwined with an alleged bill to the collection agency CBSA who is illegally re-aging this debt monthly as I have continually disputed the nature of this debt.
03/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75208	Web
While a student attending XXXX XXXX XXXX XXXX in XXXX XXXX, TX my mother leased a home on or about XXXX from XXXX XXXX XXXX and was required to provide information on all persons residing at the property. I graduated XXXX XXXX in XX/XX/XXXX moved away and enrolled in XXXX University. On or about XXXX when applying to rent an apartment from XXXX XXXX in XXXX, Tx, I learned about a Collection account ( total : {$11000.00} ) entered into my credit file with XXXX, XXXX, and XXXX. I informed my mother and she executed an affidavit for the property management stating that I was not a guarantor on the lease agreement and she was and is the responsible party. So I was allowed to rent the apartment unit. I also, drafted a letter to the collection agency which included the affidavit from my mother demanding proof of the debt and to remove it from credit file ( see attached Letter to CBSA Collections ). The agency responded but did not provide proof that I am responsible for the debt ( see attached Letter from CBSA Collections ). I then submitted a letter to the Credit Reporting Agencies ( XXXX, XXXX, and XXXX ) informing them that the Collection Agency did not provide proof that I am the owner of the debt and requested that they remove the collection account from my credit file, however they refused. On XXXX, I sent a letter to XXXX XXXX XXXX demanding they send proof that I am the owner of the debt and to remove the Collection from my Credit File, to which they have not responded. Also, while corresponding with the XXXX XXXX XXXX XXXX, via email, it was stated that there was not an eviction case filed ( See attached document ) This debt does not belong to me and the CBSA Collections nor XXXX XXXX XXXX, nor the Credit Reporting Agencieshave verified that the debt belongs to me. It isimpacting my ability to lease housing and obtain credit lines and needs to be removed.
02/03/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 23434	Web	Servicemember
I have dispute this collection acct # XXXX several times asking for validation of this debt and proof of my signature which i NEVER received. The company CBSA collections has not provided me with a copy of any viable evidence. Given that i believe this company is acting in bad faith and have violated federal and state laws by not responding with in 30 days of my last dispute on XX/XX/2018, and it is now well over 30 days from that date and no response or viable evidence was mailed to me. this is my late attempt to get this collection remove due to the company not complying with federal and state laws of the 30 day response window. If this acct is not removed with in 30 days of this complaint i will be filing a SMALL CLAIMS LAWSUIT as well as a Public Press Release against this company for breaking federal and state laws as well as FDCPA and FCRA as it states any information/ debt on your credit report must be 100 % accurate and 100 % verifiable or it must be DELETED. I have carefully collected my records, evidence, and receipts for court purposes due to CSBA 's noncompliance for the past several months. I have even disputed with equifax as well and CBSA verified the debt while i was still in dispute with them which shows they failed to comply with federal and state laws again when it states that " all collection activity and communication must cease during their dispute. '' This account must now be Deleted due to CBSA not following the laws and procedures set in place on the federal and state level. i hope this matter can be resolved outside of court but if not i will have to move forward with the next steps in the court process. Thank you
09/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 76513	Web
They are collecting for a dept I dont owe We showed proof to CBSA solutions collections agent that the information they had was false they said they dont care I moved out of there clients apartment XXXX XXXX XXXX they the show a eviction notes said was had delivered to us from there client at so said address we were not even there at the address at that time we have moved to new address the XXXX XXXX XXXX falsified a collections we have proof we no longer lived there at said time and they said they dont care sue them.The XXXX has and is trying to charges for rent for XXXX XXXX when we showed proof we moved out before the time they said we owe for and that we even had power and turned off there and on at new place XXXX XXXX XXXX they said they dont care. They have statments my new land lord saying they new I was in new place on the XXXX XXXX they were here talking with us then I left to return the uhal from the move they sent all information to the address of the old place till the collection agent sent information to the address XXXX XXXX XXXX and prayer in XXXX XXXX XXXX sent me papers to my new address after the collection was processed. Still they said they dont care sue.them Then they Collection agency said they refuse to investigate on a dispute the problem. Then they said That my information I sent them is correct but they dont care. Still to this day I have been sent nothing by XXXX Tx housing housing or the collections agency. and or my deposit received nothing found out when are credit was ran from another company for credit on me and my wife 's credit shows this mater
02/11/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX XXXXX	Web	Servicemember
CBSA 's response to my attempts to get information about a debt being reported to credit agencies. CBSA 's response to compliant # XXXX, was not sufficient. The response was : DUPLICATE COMPLAINTS XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX DEBT VALIDATED XX/XX/XXXX WITH ITEMIZED STATEMENT SHOWING ALL PAYMENTS. CBSA has failed to provide answers to the following : 1. What is the total amount of said debt? 2. What payments have been applied to said debt? ( itemized invoice has changed after attempting to get answers ). 3. Why has the nature of the debt changed from services for appearances to cost of paperwork during dispute process? 4. Why is the itemized invoice provided to CFPB different than the invoice provided in XX/XX/XXXX? 5. Why have the payments amounts changed and payment dates chaged? These do not match payments cleared through my bank? 6. Please provide a contract/agreement signed by me which validates this debt? Previous complaint numbers are as follows : XXXX XXXX XXXX It appears this debt has been altered on the invoice as a means to justify a debt not owed after attempts to understand how this debt is being invoiced. The invoice received by The Federal Trade Commission in XX/XX/XXXX, is not the same invoice I attempted to get answers to in XXXX XXXX. Again, XXXX XXXX has altered the invoice in an attempt to make it appear this debt is actually due by changing dates of payments, adding collections charges, as well as when payments were received which do not match my bank records and/or checks cleared.
03/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75208	Web
Ive requested the original lease agreement as well as the renewals for all years, especially the year XXXX when the eviction took place. Ive only received an expired lease from CBSA, from the years XXXX to XXXX. On this documentation, they typed in my name, etched it out and wrote it in and misspelled my last name. ( page 1, item 1 of lease contract ) They also forged my name under occupants not signing lease. Indicating that Im not the lien holder. ( Page 1, item 2 of leasing contract. ) They placed my initials under initials of our representatives, which is for the property management to sign, not an occupant. ( Page 2, 3, 4 & 5 at the very bottom. ) They also forged my name again on the last page of the lease and social security number. They also failed to put a date in too. They not only forged my name but a sibling of mine as well. ( Page 6 of leasing document, bottom right of page. ) I am demanding that they produce non-tampered, original renewal leases, from ALL YEARS. Especially from the year XXXX, the year of the eviction and the eviction documentation. Theres no payment history from me in the year XXXX which further proves the inaccuracy. They have been producing fraudulent documentation to not only all credit reporting agencies, but to you as well. I am demanding that CFPB to actually LOOK at the documents instead of taking their word. Protect me not them.
02/06/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TN 38115	Web
I am challenging CBSA to prove that the organization has rendered any services or compensation to which the company may lawfully collect. Where is the agreement that I have with CBSA to prove this matter? CBSA 's failure to prove this matter is considered false representation under 15 USC 1692e ( 2 ) ( B ) of the FDCPA and subject to fines under 15 USC 1692k. Again, if you all fail to produce an agreement between CBSA and I that authorizes you to collect the debt, this considered unfair practices pursuant to 15 USC 1692f ( 1 ) and subject to fines under 15 USC 1692k. CBSA is the name on my consumer report. I want CBSA to be aware of what 15 USC 1692j ( a ) says. It states that it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Under the penalty of perjury, did you purchase the alleged debt? If so, Why is CBSA on the report? I demand CBSA to cease and desist all forms of communication pursuant to 15 USC 1692c ( c ). I have contacted you on multiple occasions, disputing this matter. CBSA 's failure to comply to the FDCPA will be challenged pursuant to 15 USC 1692k.
04/02/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76549	Web	Servicemember
Ive advised the collection company and original creditor of my XXXX XXXX military status yet they are still reporting and trying to collect a 40 % interest rate on top of the debt. The SCRA limits the amount of interest that may be charged on certain financial obligations that were incurred prior to military service to no more than six percent per year, including most fees. 50 U.S.C. 3937 ( a ) ( 1 ) & ( d ) ( 1 ). In order to have the interest rate on a financial obligation such as a credit card or a mortgage capped at six percent per year, a servicemember must provide the creditor with written notice and a copy of his or her military orders or other appropriate indicator of military service ( such as a letter from a commanding officer ). Id. at 3937 ( b ) ( 1 ). The written notice and proof of military service must be provided to the creditor within 180 days of the end of the servicemembers military service. Id. In response, a creditor must forgive not defer interest greater than six percent per year. See 50 U.S.C. 3937 ( a ) ( 2 ). The creditor must forgive this interest retroactively. See id. at 3937 ( a ) ( 1 ) & ( b ) ( 2 ). The creditor is also prohibited from accelerating the payment of principal in response to a properly made request for a six percent interest rate cap. Id. at 3937 ( a ) ( 3 ).
01/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38115	Web
I recently pulled my consumer reports and I seen that CBSA Collections reported a collection account for the amount of {$3400.00}. I have reached out to the company to verify the account, but it was to no avail. I am aware of my rights as a federally protected consumer pursuant to the Fair Debt Collection Practices Act. I challenge CBSA to provide the agreement between the organization and I under penalty of perjury which gives them the right to collect. I challenge CBSA to prove that they rendered any services or compensation to me, the consumer, in order for them to collect under penalty of perjury. CBSA 's failure to produce such proof is a violation to my rights under the fdcpa. I also want to bring awareness to CBSA that it is unlawful to furnish any information that would create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I challenge CBSA to prove otherwise under penalty of perjury. Otherwise, the organization shall remove all information from my consumer reports immediately. CBSA will be held liable for any violations to the consumer pursuant to the fdcpa.
01/24/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 75087	Web	Servicemember
The collection company " Credit Bureau Services Association '' is collecting on behalf of XXXX XXXX XXXX on a lease that was signed with the intention to operate a business. Landlord was fully aware of this and it is stated in the lease agreement. This should not be a personal responsibility as me and XXXX other parties signed this agreement to operate a business and a business debt can not be reported on a personal report only that of the business. Additionally, the amounts attempting to be collected are inaccurate as when the lease terminated we have reason to believe that the property went under lease with another tenant and therefore duplicate rents can not be collected for a default and under a new lease with another tenant. XXXX spoke to me and XXXX of my partners and they stated the property was under lease with a new tenant and that the amount in collection would not be owed by us. I am requesting that XXXX XXXX XXXX provide the original lease showing that we intended to occupy property as a business and also the lease history of any and all tenants after the lease with our company " XXXX XXXX '' terminated. Additionally, XXXX XXXX XXXX still holds property that was left with an agreement to return the contents that was left behind before lease terminated.
06/01/2023	Yes	Debt collection Other debt	False statements or representation Told you not to respond to a lawsuit they filed against you	TX 757XX	Web
I contacted Credit Bureau Services A at the beginning of XX/XX/XXXX due a charge off still reflecting on my credit report from XXXX. The amount sent to them initially was incorrect. I attempted to dispute this with XXXX XXXX many years ago. I had the house professionally cleaned yet they still somehow found XXXX worth of damage which was incorrect. They tried to charge us XXXX plus keep our XXXX deposit thus indicating there was over XXXX worth of damage. Which we know there was was not XXXX worth of damage because I have pictures of a spotless house that I paid to have cleaned when we moved out! While I was attempting to resolve the issue with Credit Bureau Services XXXX and come up with an solution I even offered to pay the amount. I was told there is nothing they can do and the phone call was intentionally disconnected by the representative on a recorded phone line while I was in mid sentence. I called back and attempted to speak with a supervisor and was told there was not one available and they would not talk to me. I was treated unprofessionally by the representatives. I believe their actions do not reflect good core ethics or morals. Please delete from my credit report immediately.
07/10/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	OK 744XX	Web
i have never talked to them over the phone about debt or got any calls at all!! i got a letter in the mail from cbsa on XXXX/XXXX/XXXX with balance of {$1700.00} then got another letter from them on XXXX/XXXX/XXXX with a balance of {$4400.00} dollars ... this was a hospital bill from a XXXX i had in XXXX XXXX cause it said XXXX and i was out of work for three months i also had insurance and wasnt aware of a balance never did get any bill i figured my insurance payed so when i got those from the cbsa i really had no idea what is was. my dedutible had been paid in full for the year i have XXXX then on XXXX XXXX i got a letter with no return address with my name and address hand written saying a judgement was placed on me court papers with judge signature and everything on XXXX XXXX XXXX saying that i did not respond therefore accepting validation of said debt. said that i was supposed to respond by XXXX XXXX XXXX i never got anything about this, so how was i gon na respond. It was XXXX country court house in XXXX ok. and i live in XXXX ok. its saturday so im going to go up there monday to get some info and the amount now is well over 5 grand. i dont understand how they can do that.
09/14/2015	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	TX 76542	Web	Servicemember
XXXX XXXX I cleared my residents with XXXX XXXX XXXX the property manager after living there for 3yrs. Upon the inspection to clear I was informed that I will not be charged for any damage or maintenance ( ie, painting, carpet cleaning etc. ). It was just normal wear and tear. About a year later I checked my credit report and I had a collection on it from XXXX XXXX XXXX thru Credit Bureau Services. I have never rented any property from XXXX XXXX XXXX. I decided to go back to XXXX XXXX to ask a few questions. Come to find out after I moved out, the owner switched property managers to XXXX XXXX. Also I was told he went in and did his own inspection after I had moved out and cleared by XXXX XXXX. My question is how can he go in after I have been cleared and charge me for damages and maintenance with a different property manager. If there was truly any damages, why did n't it go thru the property manager I was originally with. For 15 of those months I was XXXX and the house was not occupied. I was XXXX from XXXX XXXX to XXXX XXXX. Sounds like I was being the fall guy for painting and carpet cleaning.
03/24/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 758XX	Web	Servicemember
I received 4 identical pre-recorded voicemail messages on my cell phone from an Unknown caller ID # XXXX on XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XX/XX/XXXX. The recordings stated that they were from CBSA Collections and provided a callback number of XXXX. On XXXX XX/XX/XXXX, I contacted the Registered Agent for the company with a demand letter identifying myself, explaining that I do not owe CBSA nor any other debt collector, and sought damages for willful violation of the Telephone Consumer Protection Act as well as Section 305.053 of the Texas Business and Commerce Code. I communicated with their attorney on multiple occasions by email and phone attempting to negotiate a settlement and avoid a lawsuit. On XXXX XX/XX/XXXX, I notified their attorney by email that I would settle the matter for {$12000.00}. As of XXXX XXXX, I have still not received a response to either that email or a phone message which I left with their attorney on the morning of XXXX XXXX. On the afternoon of XXXX XXXX I filed a small claims case seeking statutory damages as stated above.
01/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 38115	Web
CBSA responded to my last complaint with lease agreement with XXXX XXXX but failed to verify that I owed any debt. This lease is not proof that I owe a debt. The organization also failed to to produce a contract that expressly authorizes them to collect on the alleged debt which is consider unfair practices. I have also challenged CBSA to provide proof of any services or compensation that they rendered me under the penalty of perjury. Failure to do so is false representation. CBSA should be aware that itis unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Lastly, I demand CBSA to cease and desist all communications including all consumer reports immediately. All of these are violations of the FDCPA and failure to follow these demand will lead to legal action.
05/22/2019	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	TX 76119	Web
my thought process at the time was that the bill would go to collections and I would have time to take care of the bill when I can actually afford it ). the bill was sent to collections ( XX/XX/15 ) I was called multiple times but since I could not afford it I never answered. I was called a year later ( don't know the specific date ) from a debt collector asking to receive payment ( at that time I had a part-time job and was willing to work with them on a payment plan to pay the bill ). I asked for proof of the bill since it was the first of me hearing that I had a bill under that company. I wanted to be sure that the bill wasn't sold off to another company ( since they didn't contact me for about a year ) so that I could avoid paying two separate bills from two different collection agencies. The caller then proceeded to forcefully ask me to pay for the bill without providing me proof that the bill came from the company handling my doctor 's bill. He then hung up and never received any other notice from that collector 's agency to this date.
06/09/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 781XX	Web	Servicemember
I knew the debt was owed, and was making small incremental payments to the original company. They proceeded to send the debt to a collection angency, CBSA Collection, who had the wrong amount owed, told me that the management company said I was not paying or paying too slow. Since that time, I ageed to pay on the account by the 10th of each month, the amount of {$50.00}, which I pay every month and have not missed a month. BUT, every month, I have to contact the company, because the website is always down and unable to access it to make the payment like I should. This month, they have not fixed the website at all, and I am going to have to call and make a payment over the phone. They charge me {$4.00} to make the payment on the website and yet the website is always down. They also report to the credit agencies that the payment is always late. This has become a frustration, especially at this time with finances being tight due to the many shutdowns, and it is like they do not want me to make the payment so they can harass me.
02/14/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76549	Web
I contacted this company after seeing an account from them reported to my credit ( XX/XX/2022 ) The amount of the debt owed had changed from the original creditor 25 %. I requested an itemized statment, and was told by the rep that they had already sent one out. It is a violation per FDCPA to refuse to send out an itemized statement. Not only are the charges for this debt questionable but CBSA can not tell me the original amount of the debt, any payments made toward the debt. They referred me back to the original creditor, stating that they don't own the debt. I reached out to the original creditor who then referred me back to CBSA. I have no contract with CBSA nor do I owe the debt they are claiming. This needs to be removed from all credit bureaus immediately. The Texas Secretary of State website does not show CBSA as a third party who is able to operate in the state of Texas. They also do not own the debt, and I don't owe it. This is illegal per the Federal Trade Commission.
11/06/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78242	Web
On XX/XX/2018 I sent a letter asking for validation of an alleged debt to a collections agency, XXXX XXXX in XXXX Oklahoma. On XX/XX/2018 I received an itemized bill and a photocopy of a lease with XXXX XXXX through XXXX XXXX. They did not send anything else validating this alleged debt owed to them as requested in the validation letter originally sent to them. In the XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. I never had contract with this collection company and they sent me an invalid contract.
11/07/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 76542	Web	Servicemember
On XXXX XXXX 2010, I gave XXXX XXXX a 30 day notice to vacte the property. I was cleared from the property with no fees for damages or repairs. I had lived there for 3yrs, it was considered normal wear a tear. According to Texas law you have 30 days to charge a tentant for damages. After I moved out the owner changed property managers to XXXX XXXX XXXX. At some point and time the owner and XXXX XXXX did another inspection in XXXX. And is trying to charge me for the repairs they made. It was way passed the 30 days to charge. The collection was done by XXXX XXXX not XXXX XXXX, the property manager that cleared me from the residence. So how can 2 months go by and they decide to charge me. I beleive the residence was vacant until that time. The repairs are petty in my opion. I do n't understand how can there be so much damage. I was XXXX for XXXX months out of the 3yrs I was renting the residence and I lived alone.
10/13/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OK 740XX	Web	Servicemember
My son went to his doctor in XX/XX/2019 for XXXX XXXX. His doctor wanted him to have a XXXX XXXX and XXXX. His doctor said she could not put in a referral for the services until they were authorized by XXXX. She submitted the authorization requests. They were approved. She sent the referrals and the service were performed. According to the itemized list I received, XXXX paid for the services that were pre authorized. Now over a year later, XXXX has sent me to collections for over {$2000.00} with no reasoning or explanation as to why XXXX would " deny '' a pre authorized service over a year later that they had already paid for. Why would I be sent to collections for services that were pre authorized before they were completed? I have contacted XXXX and have received no response. I have contacted the XXXX and they will not give me any information because I am not on his record in their system.
11/18/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX XXXXX	Web	Servicemember
Hello, I have tried to resolve this issue with CREDIT BUREAU SERVICES in regards to an apartment that was obtained due to identity theft. I have disputed this account directly with this company. I have sent them my identity theft affidavit and police report but they continue to report and the last two dispute letters I sent them, they have failed to respond. The first letter certified letter was sent to them in XX/XX/2018 with a tracking number of ( XXXX ) and after they didn't respond so I sent them a follow up letter in XX/XX/2018 with the tracking number of ( XXXX ). They sent me a screen shot of a contract that had a signature but I never signed that. I has been well over 30 days and i just want monetary damages and the account to be deleted immediately. Being that the disputed was not responded to well over 30 days I would like this account to be deleted from all XXXX CRA 's.
05/20/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	SC 29229	Web
Received an alert about a new collection account added to credit report XX/XX/XXXX that was not on report prior to then about collection on water bill that it said was placed in collection XX/XX/XXXX yet as stated earlier was not on credit report. I was not aware of this nor believe I owe this since I have never received any notification regarding this either via with a phone call or a letter. I moved out of the state in XX/XX/XXXX and put in a change of address yet still never received any notification forwarded to me. Never had opportunity to dispute or pay IF I really owed. Question required to proceed was company or collection agency who tried to contact you. I chose the collection agency on credit report even those they have not tried to contact me or I could not proceed with complaint since required field
12/16/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	OK 731XX	Web
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against CBSA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
03/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 78660	Web
In XX/XX/XXXX, my EX wife rented a house using my social. In XX/XX/XXXX she broke the lease and the account went into collections a few months after. For 11 years now, XXXX XXXX XXXX ( original creditor ) and CREDIT BUREAU SERVICES ASSOC ( collection agency ) continue to illegally re-age this debt, currently showing it was opened XX/XX/XXXX. In XX/XX/XXXX I was trying to purchase a home when I noticed they were STILL reporting this after 9 years. I made contact with the collection agency and informed them of their illegal practice, and they removed it from my credit. Now it is almost 11 years from the original reporting date, and it has reappeared again. I have disputed with XXXX several times over the years and it is still unresolved. I disputed again with XXXX but am weary of the outcome.
06/08/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	AZ 85016	Web
Creditor sent a demand letter to consumer on XXXX XXXX, XXXX. Consumer responded on XXXX XXXX, XXXX with a letter asking for verification of the validity of the debt. On XXXX XXXX, XXXX creditor 's attorney responded claiming they had sent verification, and consumer responded on XXXX XXXX, XXXX stating that they had not received verifying documentation. It has now been over two months, and creditor has not responded to the request. 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 XXXX XXXX, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
02/22/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76549	Web
I submitted a complaint, and the debt collection company sent over their " proof of debt '' but it is clearly a forged document. Page XXXX dates and property address do not match the remaining pages of the lease. This has been clearly doctored from a previous lease from years prior. Page XXXX of the lease is accurate, it was a month to month lease, so there is no reletting fee. These documents are pieced together from the lease that they are trying to collect on, and previous leases. This is fraud. There are also no invoices from the companies referenced on the statement showing services rendered. This should be removed from my credit immediately, from all XXXX bureaus. I also do not have a contract with the company that is collecting, and do not owe them any money.
12/11/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 79015	Web
I received a notice of collection from CBSA of a debt from XXXX XXXX XXXX XXXX in XXXX, Texas. However, I have not received services from that office. I have only been to one clinic in the past year and that was in XXXX, Texas, which has billed me for their services. I asked for an itemized receipt and that business was not listed on there. I took a closer look at the address to me, and they even spelled my last name wrong, but my name is correct on the XXXX XXXX XXXX XXXX. I tried to go to the website of XXXX XXXX XXXX XXXX, however, my browser detected that the website was not secure, and that scammers may be targeting my information. I also tried to go to the website of CBSA, but it was not working either. That is when I began this complaint.
01/20/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78613	Web	Servicemember
XXXX XXXX2018 I pulled my credit and saw CBSA collections listed for {$3700.00}. I contacted the credit beurus and CBSA to have it removed as I do not know of this debt. XXXX XXXX2018 I sent certified letters to the collection agency asking for validation of this debt containing any contract I signed with this company or proof of their right to collect on this debt and the amount that they are requesting. They responded with a typed itemized bill which does not consitute as validation per FDCPA. I have no contract with CBSA nor do I owe the debt they are claiming. They have not able to provide any document that I have requested to prove my ownership. This needs to be removed from all 3 credit beurus immediately.
05/25/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76549	Web	Servicemember
I recently moved out of a rental property and was contacted by the rental company stating I owed them money for repairs and damage to the property. I gave them a copy of the original lease agreement with all the damage to the property prior to my move-in. The rental company was attempting to charge me for damage that the property already had and bogus charges such as the {$800.00} fee for them to remove dead grass. The rental company was responsible for all the grass and yard maintenance. My backyard and the neighboring backyard had the same grass damage. The rental company sent me notice if I did not pay for the damages they would double to price and I would be turned into a collection agency.
04/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OK 73107	Web
This account was paid by my insurance carrier through a negotiated payment. XXXX knew this when they accepted my insurance. I contacted the collection agency and asked for a copy of the invoice to send to the insurance carrier. I was told the account is too old to submit to my carrier how did I want to pay this off? CBSA XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$1700.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX $ 0 Monthly Payment {$1700.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$1700.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount
09/21/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 791XX	Web
Had a debt collector contact me via mail on XX/XX/2021 stating that I owed < {$20.00} debt to XXXX XXXX XXXX XXXX ( XXXX ). On XX/XX/2021 I called XXXX to find out why I was turned over to a debt collection agency when I have never received an invoice for the said amount, and have never been inside this building for services. XXXX said that since I went to the ER Now and had xrays performed, this is for the xrays. Even though I had already paid the ER Now invoice for xrays? I asked if I could pay the debt, and XXXX informed me that there was nothing they could do about the debt. They said that they sent out 2 invoices, yet I have never received one.
01/12/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 766XX	Web	Servicemember
Original creditor XXXX was paid by XXXX for services rendered as a result of on the job injury onXX/XX/XXXX. All attempts to contact creditor or collection agency, Credit Bureau Service, have gone unanswered. XXXX records show that debt was paid in XX/XX/XXXX yet report of debt is being charged to my credit report and is still being shown as a derogatory remark against me after numerous attempts to have this error corrected. Individual credit is far too important to allow reports that are inaccurate to remain on individual reports until accuracy and periodic review for fraud by those who report can be investigated.
01/12/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 766XX	Web	Servicemember
Original creditor XXXX XXXX XXXX was paid by XXXX for services rendered as a result of on the job injury XXXX. All attempts to contact creditor or collection agency, Credit Bureau Service, have gone unanswered. XXXX records show that debt was paid in XXXX yet report of debt is being charged to my credit report and is still being shown as a derogatory remark against me after numerous attempts to have this error corrected. Individual credit is far too important to allow reports that are inaccurate to remain on individual reports until accuracy and periodic review for fraud by those who report can be investigated.
05/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	OK 73505	Web	Servicemember
I moved out of a rent home before my lease was up. My lease was up in XXXX and I moved in XXXX. I paid my rent for the month of XXXX in full I also paid XXXX dollars for a re-letting fee. The property manager had someone in the house at the end of XXXX and he is charging me for XXXX, XXXX and XXXX rent. I have asked him several times to adjust some things that is false and he not do it. I have been to XXXX and talked to XXXX lawyers and they requested pictures and justification for the prices and bill for work performed at the resident. XXXX nor I have received any of the items requested.
12/23/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 76549	Web	Servicemember
I kept going on there and my child was always sucking on the wrong pacifier and all of his pacifiers had his name engraved on it. I kept bringing this up but it was never fixed. He was always crying when I picked him up or go to drop him off. He was n't happy there. I gave my 2 weeks notice to the daycare and took my son from that daycare in XXXX XXXX. I have not heard anything from them, then I go to buy a house I 'm XXXX XXXX, and see they sent a collection in XXXX of XXXX stating that I owe them {$510.00}. One they never contacted me about anything, two I have them notice.
03/16/2017	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	TX 76549	Web
CBSA IS A THIRD PARTY COLLECTIONS AGENCY, WHEN I CALLED TO INQUIRE ABOUT THIS COLLECTION THE LADY THAT I WAS TRANSFERRED TO TOLD ME WHAT PROCEDURES WERE PERFORMED ( WHICH WAS XXXX ), WHAT TIME AND DAY THE SERVICES WERE AND FOR WHAT MEDICAL REASON I HAD TO SEE THIS DOCTOR. THIS VIOLATES HIPPA AND SHOULD BE REMOVED FROM MY CREDIT REPORTS. I DID SEND HIPPA LETTERS TO CBSA AND THE CREDIT BUREAU 'S AND THEY SAID IT WAS VALID, AND DID NOT SEND A SIGNATURE OR ANY OF THE OTHER REQUIRED INFO. ALL THAT WAS SENT WAS A ITEMIZED BILL. PLEASE RESOLVE THIS MATTER.
02/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 752XX	Web
Hello I was a victim of fraud and several accounts were opened in my name. They just so happen to be medical bills, hospital bills and phone bills. I have submitted these documents to the collection agency and the credit bureaus. Both have continued reporting the fraud accounts on my reports. The collection agencies have refused to provide proof and continue to harass me by continue to report false information on my credit report. Please looking into this and I will provide documents and the list of collection agencies who continues to do this.
01/08/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77449	Web
I was a victim of identity theft and noticed a collection from CREDIT BUREAU SERVICES ASSOCIATION I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CREDIT BUREAU SERVICES ASSOCIATION in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you
05/20/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75067	Web	Servicemember
This company is attempting to collect a debt, and not knowing what they were about, I looked them up Texas Secretary of State Finance Code and discovered that they do NOT have a surety bond on file with the state, so therefore, it is unlawful for them to collect debts in this great state of ours. Not only that, the debt is not mine, and I have told that to the endless callers, and to only contact me via mail. But they keep calling. And calling. And calling.
02/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76543	Web	Servicemember
I have sent multiple credit disputes to XXXX XXXX, XXXX, and XXXX regarding my credit report. I was a victim of identity theft. I have inaccurate debts on my credit that I have never heard of or signed for. I have spent the past 2 weeks tracking down this debt as to everyone keeps saying they dont have it but when I dispute it it some hows magically keep reappearing. Please remove this debt from my account as it is not mines and it is effecting my credit.
01/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MN XXXXX	Web
I paid cbsa in XXXX Oklahoma most of the debt I owe XXXX XXXX XXXX University XXXX, OK in the amount of XXXX dollars. They said they would report this to the institution and they have not done that after over a month after the payment was made. I told the university and the paid amount is reflected in my account balance of my debit card. They are reporting the amounts paid incorrectly and are not recording the dates paid accurately
01/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38115	Web
CBSA has violated my consumer rights. The organization never verified the debt nor did the company provide any agreement that proved that I owe the alleged debt. I have requested a cease and desist order of all communications. Reporting any information to my consumer report is considered communication according to the fdcpa. CBSA shall remove all of my information from their records and all consumer reporting agencies immediately.
06/07/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OK 730XX	Web
I have not received a bill in the mail for the past 3 months. So I was unsure how to pay or where to send the check too. I finally called and payed over the phone. Point is I missed one payment and it was payed just late. And they put a derogatory mark on my credit. It knocked my credit score down almost 100 points! Which is ridiculous. Ive always paid on time and have had excellent credit up until this point.
01/14/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OK 74012	Web
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
09/17/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 763XX	Web
I was paying down a debt that was in collections and the original collection agency didn't inform me that they sold the account, and I made a couple more payments to that company and now this new company wants more money. I'm not going to pay anything more. This practice should be illegal and today I'm calling the Texas Attorney General office and have this stopped.
08/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75081	Web
CREDIT BUREAU SERVICES ASSOC is in violation of my privacy rights under HIPPA Law. I have continuously asked CREDIT BUREAU SERVICES ASSOC to provide me with a signed HIPPA release and they have continuously avoided my request but have sent private information about my injury and procedure. These accounts need to be removed from my credit file immediately
06/19/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 765XX	Web
CBSA has been trying to collect {$4200.00} for XXXX XXXX XXXX this item does not belong to me. I do not have a bonded signed contract with CBSA I am not liable for collection of this debt XXXX XXXX XXXX . I am not responsible for this debt. Please provide valid evidence of signed contract between CBSA and my self to validate account.
02/10/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 76542	Web
CBSA,XXXX Original Creditor XXXX XXXX Open Date XX/XX/2014 Balance {$2500.00} Debt {$2500.00} I called them to let them know that I didn't owe that. I was told by the realtor that I didn't have to pay at fees to break my lease cause my neighbor gave me bedbugs. I have a XXXX son who couldn't afford to get bit because he is high risk ...
02/01/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NV XXXXX	Web
This company is attempting to collect XXXX from me in which is not a valid debt. I do not owe XXXX XXXX any money. These charges are made up and fradulent. I have spoken with them several times to remove but the landlord had refused due to a personal hate he has for me. It is wrong and against the law.
05/22/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78741	Web	Servicemember
XXXX XXXX says that I owe {$900.00}, I had already paid the {$900.00} the time I was moving out of the apartment. Then they said the {$900.00} was for the carpet repair, it is impossible as I had already cleaned the carpets myself and paid someone to do that. I DO NOT owe this debt.
03/03/2019	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	OK 74105	Web
A Cashier Check of {$8900.00} was written to XXXX XXXX XXXX XXXX XXXX College on date of XX/XX/18. It was the amount own to the college. I looked at my credit and saw that I had a debt of {$10000.00}. I then immediately double checked with my parents and they confirmed it was paid.
01/28/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OK 74017	Web
I have already paid for the XXXX ride before I even had to take one. I paid it because for 3+years I had an ambulance fee on all my utility bills that I had to pay for every month. The utility bill was with XXXX XXXX XXXX XXXX in XXXX ok XXXXI believe my first bill was in 2016.
03/12/2018	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	TX 76710	Web	Servicemember
I have request a copy of signed contract from Credit Bureau Services A and I have reached out to XXXX XXXX XXXX XXXX for a copy of lease that I signed pass 2015 showing that I owe {$7400.00} and still have not received any thing to validate the account
04/13/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
XXXX- Requested Debt Validation per XXXX Finance Code 392.202. XXXX- Violation of XXXX finance code. No one responded, sent another letter to cease the collection activity. XXXX- No response, and still reporting to 3 Credit Bureau 's .
01/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29550	Web
I have been trying to reach out to CBSA Collections since XX/XX/2021 and this collection agency never answers their calls. This debt does not belong to me, and I am requesting this debt to be removed from my credit reports.
05/24/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77498	Web
I have no contract with this company They have managed to keep this on my credit and this debt is not owned. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of this collector and debt that is owed.
03/20/2017	Yes	Debt collection Mortgage	False statements or representation Attempted to collect wrong amount	IL 61201	Web
The collection agency is reporting inaccuracies in the debt from my report due to the amount being different from what the original creditor is saying I owe. I have filed two disputes because of the inaccuracies.
06/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48227	Web	Servicemember
CRDT BUREAU is reporting a coolection on my credit report that is in violation of Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) Account # XXXX Date opened : XX/XX/201XXXX XXXX
09/26/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60638	Web	Servicemember
XXXX XXXX send a debt to collections that was not true. I have email where they told us to leave the apartment because the apartment was not equipped for us to live in.
02/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77084	Web
Credit collection- XXXX XXXX is collecting on behalf of XXXX for a total of {$140.00}. I did not receive any document to verify the debt and a proof that it was mine.
07/01/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76542	Web	Servicemember
XXXX XXXX is trying to collect a debt of over {$5000.00}. The actual amount the judgement for the debt is $ XXXX.They are reporting a debt of {$5200.00}.
10/20/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WA 98023	Web
I sent a debit validation letter on XX/XX/2023 and I havent received any written information back.
07/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NE 684XX	Web
Inaccurate information and accurate credit reporting
02/05/2024	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	TX 76548	Web	Servicemember

01/30/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AR 71603	Web	Servicemember

12/22/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 77338	Web	Servicemember

10/23/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77012	Web

08/11/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OK 73160	Web

07/28/2023	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 77012	Web

07/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OK 74037	Web

05/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30349	Web

05/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78724	Web	Servicemember

04/12/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OK 73096	Web

11/16/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 79245	Phone	Older American, Servicemember

09/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70441	Web

08/04/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76543	Web	Servicemember

07/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75207	Web

06/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75207	Web

05/30/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78148	Web

02/08/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AE 09620	Web	Servicemember

09/06/2021	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	TX 75217	Web

08/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76542	Web

08/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75208	Web

07/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OR 97862	Postal mail

03/17/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

02/19/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

02/04/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 76542	Phone	Servicemember

02/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76542	Phone	Servicemember

02/03/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 76542	Phone	Servicemember

01/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76559	Web	Servicemember

12/17/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60462	Web

12/15/2020	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted your employer	IL 60555	Web

10/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30260	Web

08/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76542	Web

07/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76542	Web

07/08/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75077	Web

05/08/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MT 59701	Web	Servicemember

03/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	OK 73069	Web

01/23/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 78259	Web	Servicemember

01/05/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 78728	Web

12/07/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 65201	Web	Servicemember

10/11/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76542	Web	Servicemember

07/18/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 76309	Web

05/09/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75071	Web

03/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23434	Referral

02/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76112	Web

12/18/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	AR 72204	Web

12/13/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32535	Web	Servicemember

10/24/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78611	Web

10/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

10/09/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10166	Fax

08/24/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76123	Web	Servicemember

08/14/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78245	Web

08/02/2018	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	OK 74136	Web

07/26/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OK 74074	Web

06/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76549	Web	Servicemember

06/14/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OK 73507	Web	Servicemember

03/25/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76549	Web

03/13/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 76541	Web

02/14/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt		Phone

01/17/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AR 72734	Web

12/01/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77077	Web

11/17/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	AR 72734	Web

11/15/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	AR 72734	Web

11/03/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76542	Web	Servicemember

09/17/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76502	Web

09/13/2017	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 78741	Web

08/04/2017	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	TX 77060	Web	Servicemember

05/26/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29016	Web	Servicemember

02/02/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 76542	Web	Servicemember

01/09/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	NC 27958	Web

12/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	SC 29154	Phone	Servicemember

11/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 76550	Web

07/10/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OK 74012	Web

07/06/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 76544	Referral

01/27/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 75052	Web

08/15/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OK 73772	Web

06/21/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78753	Web	Servicemember

06/11/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 75070	Web

02/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IA 52240	Web

01/13/2014	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	OK 73401	Web

01/03/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	IL 60087	Web	Servicemember

10/18/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 78212	Web