| 04/22/2021 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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XX/XX/XXXX Credit Bureau Services of Iowa , Inc.
XXXX XXXX XXXX XXXX XXXX. Box XXXX XXXX, Iowa XXXX Attention : XXXX, Supervisor RE : File # XXXX XXXX, I am in receipt of your letter dated XX/XX/XXXX and continue to further dispute File # XXXX in the amount of {$410.00}. I have requested copies of any open invoice 6 times since XX/XX/XXXX. I still have not received what I asked for. In addition, Credit Bureau Services is in anticipatory breach, not adhering to the contents of your own letter and subsequent actions : to NOT REPORT my file to a national credit service if I am disputing the amount.
My husband and I called your office on XX/XX/XXXX, after receipt of your XX/XX/XXXX letter regarding XXXX XXXX. We spoke to XXXX at XXXX XXXX, who informed my husband the amount owed was for a rented router that needed to be returned. XXXX returned it to XXXX main office only upon XXXX XXXX office re-opening due to the Coronavirus Pandemic. I repeat, the delay was due to XXXX XXXX office being safely closed for health reasons.
On XX/XX/XXXX, at XXXX XXXX., we called and spoke to XXXX who told my husband the amount is disputed and now the ball was in XXXX court. XXXX gave us incorrect information with a false security that the router was the problem, not open invoices.
Both of our calls were made well within the 30-day period disputing the validity of the charges as referenced in paragraph 2 of your letter.
On our phone call XX/XX/XXXX, you informed me that my file was coded a dispute. That is incorrect! I received an email from XXXX on XX/XX/XXXX stating my account was in a serious negative status. The actions by Credit Services of Iowa have placed my account in negative credit status. I am a former XXXX XXXX XXXX XXXX and worked of all places, XXXX XXXX, who was bought out by XXXX. I know when an account is in dispute versus an account forwarded to collection. I am well versed in credit procedures.
Once again, I asked but have not received invoices. They are pages of statements with unanswered balance forwards. No knowledgeable customer pays off a statement.
To reiterate, the fact is the Credit Bureau Services of Iowa, an XXXX collection agency, failed, under the terms outlined in your letter dated XX/XX/XXXX, by not providing me with detailed, individual invoices for each month XXXX shows no receipt of payment. As per our conversation and those preceding, I DO NOT pay off of statements or balance forwards. I asked for each invoice. Once again, I was mailed statements.
On XX/XX/XXXX, I called XXXX after receiving their email dated XX/XX/XXXX who reported my XXXX account was in collection, NOT a dispute.
XX/XX/XXXX, I called and spoke to XXXX XXXX who transferred me to XXXX. Same issue, different day. On XX/XX/XXXX, I called at XXXX XXXX. and spoke to XXXX. I asked for XXXX who XXXX said my account was assigned to but was out to lunch. She offered to look at my account and help me decipher the contents, however, even she agreed that she could not make heads nor tails of my account. I asked for a return call from you because I can not reconcile the mess I received. I got statements, merely noting a balance forward, not individual monthly invoices with the amounts spelled out.
My XXXX account was set up with auto-payment until the month we moved service to XXXX. All XXXX invoices were paid until XXXX continued to withdraw payments from my XXXX XXXX Checking account. When I emailed XXXX back, the computer-generated reply was go online to your account to view but I no longer had an account. Finally, an email from XXXX came back with a message No invoice found. I have attached this and every other piece of information I have to outline what happened. Yet, XXXX continued deduction of payments without addressing my question what invoices do I owe?
I have notified both you and XXXX of your companys error. To correct it is quite simple. When I am provided with what exactly makes up that {$410.00} balance, and if it is a valid charge, I will gladly pay the amount. But I can not if I dont have an invoice that specifies which months charges are which. From a spreadsheet provided by XXXX, I have proof that XXXX and XX/XX/XXXX invoices were paid in full.
In closing, I find it unsettling to learn that any staffer at XXXX who doesnt know the difference between a statement and an invoice should endeavor to train employees correctly. If the woman you spoke to at XXXX can not understand what I am asking for and provide me with what I need, please give me her name and phone number ( as I am still in dispute of the amount ) and I will gladly explain what I need to her. Finally, based on the aforementioned, I urge you to correct my report on file correctly by XXXX and get the negative status off my XXXX Credit Report.
Thank you, XXXX XXXX XXXX Cc : XXXX XXXX, President and CEO XXXX XXXX, XXXX XXXX XXXX. See enclosed attachments.
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| 06/07/2019 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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None of those options correctly defined my complaint. On XX/XX/19 I received notice of a debt in collections with Credit Bureau Service of Iowa , Inc ( hereinafter " CBSI '' ). I recognized the debt and knew the original creditor. I decided to tackle it head-on and went online to make a payment. I authorized on my card a charge dated XX/XX/19. I read the terms and conditions and it explicitly stated there would be no fees applied to my card. I checked my card statement today and there was a {$0.00} charge pending on my card from CBSI. I reported this as fraud on my card. This was not stated as a fee anywhere on the payment page. I also thought it was odd that they did not list the actual terms and conditions of the agreement anywhere on the payment page. I have photo documentation of the payment page and terms and conditions. I'm pretty sure it is against the FDCPA to charge additional fees prior to a post-dated payment when " no fee '' was stated explicitly on their payment page.
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| 04/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting Act, CREDIT BUREAU SERVICES has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This collection account is also being reported as open and past due which is a violation of FCRA and XXXX XXXX XXXX. I have disputed this several times in attempt to correct the inaccurate information that is being report, however CREDIT BUREAU SERVICES has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
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| 04/08/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX has posted a collection to my credit report from Credit Bureau Service of Iowa, a collector for XXXX XXXX in XXXX XXXX, IA. They say I owe {$15000.00} from a lease. I had a lease with the company that ended in 2014 when I transferred to XXXX XXXX. I asked the collector to send proof of the debt and they couldnt provide the evidence. I then contested the collection with XXXX, twice, and each time they investigated it and said it was a legitimate debt. How can they do so if the collection company cant provide proof.
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| 05/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Credit bureau services took me to small claims court for 3 accounts all at once. The judge deemed I was not responsible for the account for the amount of XXXX. I did take responsibility for the accounts for XXXX and XXXX. I have disputed the account for XXXX multiple times with prof from the court and have call Credit bureau services and they still refuse to remove the account from my credit report.
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| 09/30/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/2021 I sent a letter to CREDIT BUREAU SERVICES OF IOWA , INC. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
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| 09/18/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/2018 Account type Collection Original balance {$920.00} This Medical Account was sent into Collections and I have no knowledge of this Account..
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| 11/27/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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| 06/23/2023 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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| 02/04/2023 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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| 09/29/2022 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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| 08/20/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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| 05/31/2022 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Phone |
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| 04/30/2022 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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| 03/15/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Phone |
Older American |
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| 11/09/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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| 11/01/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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| 07/23/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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| 01/31/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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| 11/10/2020 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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| 08/13/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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| 07/01/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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| 04/10/2019 |
Yes |
- Debt collection
- Medical debt
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- Threatened to contact someone or share information improperly
- Contacted your employer
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Web |
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| 04/05/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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| 01/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
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Web |
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