Credit Service, Inc CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
06/13/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OK 73072	Web
i am a XXXX veteran so i dont need this nonsense from the csi group. and i never trusted sneaky shady uneducated debt collectors who take advantage of those who less fortunate to make a living wage in the united states. my services were provided by medical doctors at the XXXX clinic so i wish they would have dealt with me directly and stayed in contact with me so i could have paid them off in monthly installments till paid in full. i do n't think we needed to involve low life debt collectors they do not have a XXXX from a XXXX so they are not educated enough to understand how working with the company directly is the BEST option ... XXXX and possibly other credit reporting bureaus are stating i owe {$380.00} to csi group and the XXXX clinic. but i called csi and a woman named XXXX verified my balance was XXXX from back in the year 2012. you must not really understand XXXX and be behind the curveball. XXXX says they report directly from XXXX so XXXX is stating this debt is not settled in full and had a balance of {$380.00}. so i want you to all re-contact all XXXX credit bureaus : XXXX, XXXX, and XXXX and XXXX check my balance shows paid in full year 2012 and has a XXXX balance again in year 2012. and i want this cleared up and done for all XXXX credit bureaus because if XXXX bureau picks this up then eventually the other bureaus will pick it up. per XXXX phone call with me, i also want a letter from you all stating this debt had been paid back in year 2012. i will also be contacting the consumer financial protection bureau ...
06/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 740XX	Web
Official Dispute This document shall serve as an official dispute towards Credit Services and the original creditor of XXXX XXXX XXXX XXXX XXXX in the amount of {$710.00}. Attached document A is an itemized report from Pro XXXX XXXX that illustrates a charge a {$470.00} for rent in the month of XX/XX/2020. Support document B illustrates new utility service that was started at a different address which proves that the residential home in question was vacated prior to the month of XXXX. Therefore for the {$470.00} rent charged for the month of XXXX and the {$50.00} late charge is invalid. Support document C is inspection from a third party winter weatherization company. Upon inspection they noted mold in the apartment. The mold attributed to the charge of {$170.00} and the {$140.00} charge put for trash out and carpet cleaning. The mold was due to a failure to repair a leaking AC unit. It was reported to the property manager several times that the AC unit was leaking after each use. The leaky AC unit, costly heating & cooling bills, mold, and with the combination of management team refusing to repair and replace these issues caused the vacation other unit. I have supplied enough evidence to at the very least to illustrate the charges are incorrect and to go further to eliminate these charges altogether. I am not responsible for this debt I request a full investigation and want this item remove from the all credit reporting agencies..
12/01/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OK XXXXX	Web
this account was taken to court and legally dismissed by a judge. There is no further balance owed and the collection company continues to report the collection balance as XXXX dollars XXXX. this account was taken to court and default judgment granted for {$500.00}. Collection company continues to report account to all three credit bureau 's with a balance of {$910.00}. Account has also been paid on through original creditor. Both of these accounts have been disputed on three separate occasions and the collection agency continues to report inaccurate and unsubstantiated information. CSI group has stated that dispute was received and investigated without showing proof upon request. CSI group has also responded stating dispute was received 8 times through XXXX which is also incorrect. All disputes have been made in writing and never responded to. CSI group has violated the FDCPA and FCRA by not doing an investigation that they admittingly have received 8 times and also reporting inaccurate information on my credit report for the past 4 years which has caused denials of a rental for myself and my children. After the first complaint filed X/2017 csi group proceeded to remove XXXX XXXX XXXX account of {$2600.00} from on XXXX leaving the damaging and inaccurate information on both XXXX and XXXX.
01/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	WI 53705	Web
I served as a guarantor on my former colleague 's apartment rental lease, for some reason my colleague owed the landlord ( XXXX ) a debt of {$220.00}. The landlord sent this debt to a collection agency without noticing me, and the collection agency ( Collection Service International ) reported this debt to the credit bureau without noticing me in advance neither. On XXXX XXXX 2015, I got a debt collection notice from the collection agency, I was told that this debt was reported to the credit bureau at the end of XXXX and had affected my credit history since then. I contacted them on XXXX XXXX 2015 and questioned why not notice me before reporting the debt to the credit bureau, they said they are not required to. I was also asking them to provide a written document that shows it 's not required to notice me before reporting to affect my credit history, they refused to do so as well. I am not very comfortable to bare the damage on my credit history without knowing what 's going on. No of the three parties ( my former colleague, the landlord or the collection agency ) have noticed me of this debt in advance.
07/18/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OK 73110	Web	Servicemember
I moved out of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Oklahoma on XX/XX/XXXX . The Apartment manager had my Florida address as a point of contact when I moved out. XXXX XXXX never made contact with me in an attempt collect an alleged debt for a dirty carpet and kitchen drip pans in the amount of {$87.00}. This alleged debt can not be considered " past due '' because I was never notified, and never given an opportunity to resolve this. I was contacted by CSI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Ok. XXXX sometime in XX/XX/XXXX . I disputed the alleged debt with CSI, and they placed a late payment/collection with XXXX and XXXX credit reports. I disputed the placement with XXXX , and they deleted the entry. The matter remains in dispute with XXXX . CSI is acting in violation of the Fair Debt Collection.
07/04/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	OK 74012	Web	Servicemember
This is not my debt. If I'm not mistaking this all with cell phones were put in my name. My ex roommate dated someone that worked at XXXX XXXX. They were taking loans etc.. without people knowing. My credit profile has identify theft attached. When they contacted me I explained it to them in detail. I have nor owe anything unless is done by fraud. I am currently in the middle of closing on a home and this collection will jeopardize my home. I plan on suing all parties involved including credit reporting agencies XXXX, XXXX just to name a few. XXXX is the only credit bureau and that has not removed another past creditor in which collection was placed in error. I asked this to be removed from ALL credit bureaus.
12/14/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OK 73071	Web
1. this account was taken to court and legally dismissed by a judge. There is no further balance owed and the collection company continues to report the collection balance as XXXX dollars 2. this account was taken to court and default judgment granted for {$500.00}. Collection company continues to report account to all three credit bureau 's with a balance of {$910.00}. Account has also been paid on through original creditor. Both of these accounts have been disputed on several separate occasions and the collection agency continues to report inaccurate and unsubstantiated information. This inaccurate information has caused my family the inability to obtain housing.
02/15/2023	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	LA 70506	Web
I was trying to rent an apartment and noticed there was a collection on my credit report stating I owed a company by the name of XXXX, I was never notified of this, this is un-verified, I have tried calling the company and disputing this as well to get if off my report. This is a defamation to my character and has also created issues for me. It is also my understanding that under fcra 15 u.s.c 1681 any of unproven, non-compliant, incomplete, untrue, and or un-verified aspects of any alleged derogatory accounts must be promptly negated in its entirely or the alleged accounts are to be completely deleted. XXXX Acct # XXXX XXXX {$1800.00}
02/06/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OK 73071	Web
1. this account was taken to court and legally dismissed by a judge. There is no further balance owed and the collection company continues to report the collection balance as XXXX dollars 2. this account was taken to court and default judgment granted for {$500.00}. Collection company continues to report account to all XXXX credit bureau 's with a balance of {$910.00}. Account has also been paid on through original creditor. Both of these accounts have been disputed on three separate occasions and the collection agency continues to report inaccurate and unsubstantiated information.
07/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	KY 40215	Web
In XX/XX/XXXX I contacted the company and explained that the balance is still reporting incorrect on my credit report. My account was sold to a third party vendor, and in XXXX my husband agreed to pay around 1300, we paid {$650.00} and the company never corrected the balance on my credit report. Also when I called them they said that even though I paid they would not send me a receipt for the payment I made and also would not correct the balance on my credit report until I paid the remainder balance. I contacted the credit bureau and they claimed the error is correct.
01/08/2017	No	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 SERVICE 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 SERVICE 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
03/24/2019	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	OK 73013	Web
On XX/XX/2016 I went to court and the judge only gave XXXX XXXX XXXX possession only and XXXX for rents. They placed on my credit report that I owed {$1900.00} which is not correct. The judge only gave them possession only.
03/14/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	OK 73110	Web
The original creditor and the credit agencies unknowingly and without my consent traded my information to misrepresent and hinder my credit report and score.
08/10/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 73012	Phone

04/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OK 73044	Web

04/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OK 73071	Web

12/09/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OK 73044	Web

09/23/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 73044	Web

04/05/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 73131	Web

03/15/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 73131	Web

02/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OK 73505	Web

03/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OK 73065	Web

05/02/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OK 73541	Phone

03/26/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77073	Web

01/17/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76002	Web

03/29/2017	No	Credit reporting	Incorrect information on credit report Account status	KS 67124	Web

01/04/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OK 73132	Web

11/25/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OK 73120	Phone

05/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	OK 73069	Fax

02/18/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 90005	Web

09/18/2014	No	Debt collection Medical	Improper contact or sharing of info Contacted me instead of my attorney	OK 73020	Web

08/15/2014	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OK 73045	Web	Older American