Credit Systems International, Inc. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
11/02/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • XXXXX
Web
COMPANY DID NOT RESPOND Company never provided any valid evidence of debt within the 30-day time frame from a dispute filed with the credit bureaus. I Requested information from creditor by affidavit ( from a commissioner of the court ) and the company did n't provide any information requested but sent a printed unsigned ledger nor did they remove any debt from my credit report. Certified Mail # XXXX XXXX ) Please provide proof of notice that was given that was to be submitted Within five days of the collector 's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debt within 30 days. [ 15 USC 1692g ] 809 ( a ) A debtor must be allowed to validate the debt that they are being called on. Once a collections agency notifies the individual that they owe a debt, the individual has 30 days to validate or dispute the debt. The collections company is not allowed to continue collections procedures until after the debt is validated or disputed. NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM To Whom it May Concern This letter is being sent to you in response to a computer generated, unsigned letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, you shall cease all verbal communication. No phone calls to the Claimant. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such validation and verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. XXXX LAW DICTIONARY : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. VALIDATION. Proving the validity of accuracy of the claim. Counter Claim with Self-Executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( e ) Voluntarily report this account to all credit bureaus as paid as agreed ; and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally settled ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice. Furthermore, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has firsthand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III ) XXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, V ) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI ) XXXX XXXX Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above-referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent. This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable. Equality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor You are the second party that has written a letter purporting to represent, or have as your client, and the first was not registered as a debt collector in Maine and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer-generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ... CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 13. Verify as a third-party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 15. Provide verification from the stated creditor that you are authorized to act for them. 16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341. NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASIGNS **********************SILENCE IS ACQUIESENCE*********************** NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Pursuant to the truth in lending laws of the United States Code , Title 15 1601 et. Seq. and the Fair Debt Collection Practices Act laws of the United States Code 1692 et. seq This notice constitutes a timely written response to your Fair Debt Collection Practices Act notice that you are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt. This notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : 1. The name and address of the organization or other governmental unit alleging a debt ; 2. The name and address of the person or persons in that organization or other governmental unit alleging a claim of debt ; 3. The name of the actual creditor even if that is myself ; 4. The origin of the funds used to create this alleged claim of debt 5. The actual records of the organization or other governmental unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt. 6. The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of a debt. 7. The actual records of the organization or other governmental unit with a live signature on any and, all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by similar name. 8. Be advised that verification is defined ( Blacks Law Dictionary, 6th Edition ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party. 9. The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 -1601 et. seq and Regulation Z. 10. The actual records of the organization or other governmental unit showing that any, and all documents /instrument ( s ) containing my signature or likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt. 11. The person that prepares and swears to the validation of debt must describe:1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) How long have you been in your position ; 4 ) When did you first come in contact with the alleged account/debt ; 5 ) How frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; and 7 ) Do you have personal knowledge about the alleged debt and/or any alleged account. 15 U.S.C -1692 ( e ) states that a false, deceptive, and misleading representation, in connection, with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice. Pursuant to 15 U.S.C -1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 30 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collections Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities. This is a constructive notice that, absent the validation of your claim within 30 days, you must cease and desist any, and all collection activity and are prohibited from contacting me through the mail, by telephone, in person, at my home, or at my work. You are further prohibited from contacting any other third party. Each, and every attempted contact, in violation, of this act, will constitute harassment and defamation of character and will subject your agency and/or attorney and any, and all agents in his/her individual capacities, who take part in such harassment, and defamation, to a liability for actual damages, as well as statutory damages of up to {$1000.00} for each and, every violation, and a further liability for legal fees to be paid to any counsel which I may retain. Further, absent such validation of your claim, you are prohibited from filing any notice of lien and /or levy or judgment and are also barred from reporting any derogatory credit information to any credit reporting agency, regarding this disputed purported debt. Further, pursuant to the Fair Debt Collection Practices Act 15 U.S.C 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal or holder in due course, for whom you are attempting to collect this alleged debt. Please take notice that this legal notice will be forwarded as a criminal investigation of the business practices of the above, named organization or other governmental unit, its agents, officers, employees and attorney to determine violations of the United States criminal laws. Your claims of collection of a purported debt appears to be founded upon a false record in violation of U.S.C Title 18 -2071 and 2073 ( falsifying records ) and further ; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C Title 18 -471,472,473and or 513, and further using corrupt business practices to make and possess false records and claim if obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C Title 18 1961 et.seq and further using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C -1341 Frauds and Swindles laws, and further sending mal with false and fictitious names, criminal conduct falling under Title 18 U.S.C -1842 Fictitious Names. IXXXX XXXX XXXX. ALL INFORMATION WILL BE FORWARDED TO THE TEXAS INSPECTOR GENERAL OFFICE AND IRS CRIMINAL DIVISION TO INVESTIGATE CREDIT SYSTEMS INTL THE BANKING SECRECY ACT AND THE PATRIOT ACT UNDER AS WELL AS ALL MONEY INSTRUMENT TO BE DISCLOSED. TAKE NOTICE CREDIT SYSTEMS INTL failure in providing respondent with the requisite verification, validating the above referenced alleged debt within the requirements of law as codified in the Fair Debt Collection Practices Act, Fair Credit Reporting Act, Banking Secrecy Act, Patriot Act and the corresponding laws of each state, signifies that Debt Collector tacitly agrees that : A. ) Debt collector has no lawful, bona fide, verified claim, re the listed accounts : # XXXX XXXX. ) Debt Collector waives any, and all claims against respondent C. ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs, fees and expenses incurred in defending against this and any, and all continued collection attempts, re the above-referenced alleged accounts. D. ) Failure of Debt Collector to properly and legally verify/validate alleged debt as required in this notice us a self-executing irrevocable power of attorney authorizing Respondent/Alleged Debtor named herein to direct the permanent removal, on behalf of the alleged Creditor, of any, and all references to said accounts in any, and all credit reporting agency files of any type. This response will constitute my effort to resolve this on-going debt claim between the parties involved. Until full disclosure on and for the official public record with a signed affidavit attached is achieved, there can be no case, collection or action. No civil or criminal cause of action can arise lest, out of fraud, there be valid, honest contract See XXXX XXXX XXXX 249 P. 2d 257,260 Furthermore Title 12 U.S.C -411 Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose, of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any Federal Reserve bank.
11/11/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 752XX
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( XXXX U.S.C XXXX 1681s-2 ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. CREDIT SYSTEMS INTL IN bal. {$310.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( XXXX ) Block of information resulting from identity theftXXXX XXXX.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
11/11/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75241
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CREDIT SYSTEMS INTL IN balXXXX {$120.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX
11/15/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 76112
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CREDIT SYSTEMS INTL IN bal. {$160.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX IXXXX XXXX XXXX XXXX
12/09/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75104
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CREDIT SYSTEMS INTL IN bal. {$120.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/15/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 76112
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CREDIT SYSTEMS INTL IN bal. {$210.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/09/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75104
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CREDIT SYSTEMS INTL IN bal. {$120.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/09/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 752XX
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CREDIT SYSTEMS INTL IN bal. {$53.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/21/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75080
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CREDIT SYSTEMS INTL IN bal. {$150.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
12/16/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AR
  • 72143
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CREDIT SYSTEMS XXXX bal. {$79.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
09/27/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 07110
Web
I check my credit score on a daily basis and discovered that I have debt collections under my identity that I was not aware of until now. On XX/XX/2022, I logged into my XXXX XXXX account and discovered two collections on my record for the energy company XXXX XXXX and XXXX XXXX XXXX On the same day, XX/XX/2022, I called XXXX XXXX XXXX, and XXXX to file disputes on both collections since I have never opened any accounts with these two energy companies. As a result, I received results in the mail for XXXX XXXX XXXX that stated : " Outcome : Deleted- This item was removed from your credit report '', however, I am still awaiting the results for XXXX XXXX since the results only stated : " Outcome : Verified and Updated - The information you disputed has been verified as accurate : however, information unrelated to your dispute has been updated. '' Finding these two collections have caused me to constantly check my credit score in fear that more fraudulent charges may appear under my record as a result of identity theft. On XX/XX/2022, I logged into my XXXX XXXX account and discovered a debt collection from Credit Systems International, which stated I owed {$850.00} from the company XXXX XXXX XXXX. After learning about this, I contacted all three credit bureaus to inform them about the identity theft that had taken place under my identity. I contacted XXXX first and was surprised to learn that two XXXXXXXX XXXX addresses appeared on my credit report. It is surprising since I have never resided or visited XXXX and have been a XXXX XXXX resident all of my life. I asked for the two XXXX XXXX addresses and they provided me with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Again, I am not familiar with these addresses and have no affiliation to XXXX since I have lived in XXXX XXXX all of my life. I immediately asked XXXX to put a credit freeze to stop the identity thieves from continuing to open more accounts under my identity. XXXX was able to assist me in filing a dispute and filed another dispute to remove these XXXXXXXX XXXX addresses from my record. After informing XXXX of my identity theft issue, I contacted XXXX and XXXX next to place a credit freeze on my accounts. On XX/XX/2022, I received a letter from XXXX with the results from my dispute. I was devastated to find the results stating : " The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. The results are : WE VERIFIED THAT THIS ITEM BELONGS TO YOU. '' Today, XX/XX/2022, I called XXXX and spoke with a customer service representative, XXXX, to request a description of how the reinvestigation was conducted and was advised to file a complaint with the FTC and my local police station to report identity theft since the results of their investigation was not in my favor. This whole process has honestly been horrifying with the amount of stress it is causing on my mental health and having to continuously file dispute after dispute. I went on to ask how the Texas addresses that recently appeared on my record were not enough to justify that these collections did not belong to me since the addresses linked to these accounts were all based in XXXX and I am a resident of XXXX XXXX XXXX stated that when they removed the XXXX addresses were removed from my record that they no longer appear on their end when pulling up my record. I could not believe it when I heard this since those addresses should have served as crucial information when verifying my identity and the state I reside in, which is XXXX XXXX not XXXX. After speaking with XXXX, I called the collection agency, Credit Systems International, and spoke with the customer service representative, XXXX XXXX, and informed them about myself being a victim of identity theft. She filed a dispute and informed me about the charges that were in collections and I learned that two more charges have appeared now. First, there was a collection for XXXX XXXX and XXXX collections appeared for XXXX XXXX and XXXX XXXX. XXXX XXXX is in collection for {$850.00}, XXXX XXXX is in collection for {$490.00}, and XXXX XXXX is in collection for {$18.00}, which were amounts all provided by XXXX XXXX from Credit Systems International. I asked what addresses were linked to these account and all have come back as XXXX addresses ( which I can provide ). She informed me that all of these accounts were from the months of XXXX, XXXX, and XXXX. Today, XX/XX/2022, I am filing for identity theft with FTC to find justice as an identity theft victim.
06/05/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 76052
Web
I request validation of this debt per XXXX XXXX Code Section XXXX which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. XXXX ( a ) ( 2 ). I did not sign any agreement and/or contract with this company regarding any allege debt. And this company should provide a valid recorded copy of an assignment of transfer to be able to attempt to collect on uncollectable debt after the statute of limitations. XXXX XXXXXXXX bond information as required by Sec. XXXX - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with XXXX XXXX XXXX. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per XXXX XXXXXXXX Code XXXX ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. XXXX ( d ) ( 1 ) Also per XXXX XXXX Code XXXX Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. XXXX ( a ) ( XXXX ). This is a violation of HIPPA as I did not provide authorization for a non medical third party to obtain, retain and/or review my personal medical information by any of my physicans. The Texas law ( No Surprise Act ), passed in XXXX, bans balance billing for certain medical services or supplies received on or after XX/XX/XXXX. In addition, the company did not follow Texas regulations by attempting to resolve the alledged debt prior to placing it on all credit bureaus. I did not know this company was out of network for this alledged debt. The following regulations were violated. Texas XXXX XXXX XXXX Adoption Order XXXX for the Out-of-Network dispute Resolution rules XXXX Texas Administrative Code Subchapter XXXX XXXX XXXX Code XXXX XXXX This company is also attempting to collect debt that has exceeded the statute of limitations in the state of Texas. This company does not have my permission to call me on any cell phone I may have possessed, currently possess or will possess in the future. They need to cease and desist their threats to sue requesting that I submit a written plaintiff statement in my defense and schedule a time and location for delivery of whatever, which is a violation of collection practices to threaten to sue someone or delivery lawsuit/judgement items to their place of employment. I am seeking an attorney to discuss a class action lawsuit as I believe this is their practice and they are violating several laws includes XXXX XXXX XXXX XXXX ( b ) ( 2 ), FCRA, FDCPA, Texas Debt Collection Act and TCPA 47 U.S. Code 227. These calls are harassment and have been going on for months, which is a violation of FDCPA. A complaint has also been filed with the Texas Attorney General 's office. I will also be filing a lawsuit in the state of Texas due to the violation of the XXXX and FDCPA. There is no executed contract authorizing transfer of alleged debt to an unauthorized third party. Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. XXXX. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. XXXX ( a ) ( 4 ). Regards.
10/02/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OK
  • 73110
Web
The identified transactions are not information relayed to any transaction by me as the consumer. CREDIT SYSTEMS has violated my consumer rights. I am exercising my rights as a consumer. I do not know who this company is and I have no contract with them. I do not know how they got my location information, name, or SSN. This is a violation of FDCPA and Truth and lending. There is no verification of debt attached to this statement which came through the mail. This company has attacked my credit report and I do not authorize any false statements upon my credit report. It is damaging to me and public trust. I am federally and state protected consumer pursuant to 15 U.S. Code 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. In Fact Pursuant 18 U.S. Code 8 I the natural person I am not obligated by federal law to pay a debt CREDIT SYSTEMS are in violation of my consumer rights pursuant to 15 U.S. Code Fair Debt Collection Practices Act ( FDCPA ), The Gramm-Leach-Bliley Act ( GLBA ),. Fact XXXX XXXX XXXX XXXX has violated Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.Code 1692b Acquisition of location information by acquiring my place of abode and not contacting me the consumer before. Fact CREDIT SYSTEMS Violated Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.Code 1692c Communication in connection with debt collection ( a ) Communication with the consumer generally ; Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Fact XXXX XXXX XXXX XXXX Fact Violated Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.Code 1692d ( 1 ) Harassment or abuse ; The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. Fact CREDIT SYSTEMS are in violation of Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e False or misleading representations ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. Fact CREDIT SYSTEMS In violation of Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) 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. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section Fair Debt Collection Practices Act ( FDCPA ) 1692k of this title for failure to comply with a provision of this subchapter.
05/03/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • XXXXX
Web
**This is not a duplicate Complaint** Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuan t to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX , XXXX , XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.

CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor where in he/she ag reed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful.

Please provide the name and address of the bonding agent fo r Credit Systems International , Inc. in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.

07/01/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 79932
Web Servicemember
The basis for my dispute Credit Systems International , Inc. Mr. XXXX XXXX XXXX Vice President, CREDIT SYSTEMS INTERNATIONAL XXXX, {$190.00} - was required to notify me prior to XX/XX/XXXX, or no later than 30 days after. CREDIT SYSTEMS INTERNATIONAL failed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XXXX, furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. Also, CREDIT SYSTEMS INTERNATIONAL " failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of TX allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) Credit Systems International , Inc. Mr. XXXX XXXX XXXX Vice President failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC XXXX and that my state attorney general can also enforce this with a {$1000.00} penalty as well. I attached a copy of the law and the actual document from the federal reserve CREDIT SYSTEMS INTERNATIONAL is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. Smith v. Heard 980 S.W.2d693 ( Tex.App-San Antonio 1989 reh.den. ) citing Monroe v. Frank 936 S.W.2d 654 ( Tex.App-Dallas 1996 writ dism 'd w.o.j. ) RESOLUTION I will if the account is not taken back and removed from any and all credit bureau reports, I will turn this over to XXXX XXXXXXXX FDCPA, XXXX, and FCRA national Attorney to look and take over this complaint. Therefore, provide me documentation of notification ( i.e. a copy of the notification sent XXXX, and proof that it was delivered to me in a timely manner ( i.e. a dated certified mail delivery confirmation with my signature ) .. 30 days before or 30 days after XXXXthe date derogatory reporting was started with the bureaus as you have listed or DELETE the reporting. A strong presumption of receipt applies when notice is sent by certified mail, because it creates actual evidence of delivery in the form of a receipt. Santana Gonzalez v. Atty Gen., 506 F.3d 274, 279 ( 3d Cir. 2007 ) ( emphasis added ). A weaker presumption arises where delivery is sent via regular mail, for which no receipt, or other proof of delivery, is generated. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. Even it's been transferred Credit Systems International , Inc. Mr. XXXX XXXX XXXX Vice President is still responsible for reporting under the FCRA I appreciate your help regarding this and look forward to an amicable resolution.
04/20/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 784XX
Web
I had a CT scan performed in an emergency room on XX/XX/XXXX. I received a bill for {$130.00} ( Account # XXXX ) from XXXX XXXX XXXX XXXX XXXX ( contact information listed below ). On XX/XX/XXXX I made a payment of {$75.00}. I later received a collection notice from XXXX XXXX XXXX XXXX ( contact information listed below ) stating that I owed the original balance of {$130.00} ( Account # XXXX ). I checked my credit report and saw that this collection was listed as a derogatory mark on my XXXX credit report. I contacted the service provider and paid my remaining balance of {$55.00} on XX/XX/XXXX. I then contacted the collection agency and informed them that my bill was paid. A month or two later ( I'm not exactly sure when ) the derogatory mark was removed from my credit report. In XX/XX/XXXX, I started receiving calls from this same credit agency. When I spoke with them, they informed me that they were attempting to collect the balance of {$55.00} for this same account. I informed them that the account was paid on XX/XX/XXXX and they stated that the service provider showed that I had a balance due. I contacted the service provider personally and confirmed that the account was paid. I was given Transaction ID # XXXX. I called the credit agency back and gave them this information and told them to stop calling me. The representative assured me that they would confirm the XXXX balance with the provider. I printed a copy of my account breakdown from the provider 's website that showed a XXXX balance and mailed it to the address on the collector 's statement. Later in the month, a derogatory mark appeared on my XXXX credit report for {$55.00}. I contacted the creditor again and demanded they remove this mark from my credit report. I provided all of the pertinent information ( dates, transaction numbers, etc. ) to them again. The representative assured me that they would confirm with the provider and remove this mark. The mark has still not been removed. Today ( XX/XX/XXXX ) I contacted the collection agency again and they said they contacted the provider and were told that I had a balance. I told them that this was untrue because I spoken with the provider on more than one occasion and confirmed that my account was paid. They refused to remove the mark on my credit report. I am mailing a copy of my account statement again showing a zero balance to them, however, I feel that this should not be necessary. I was able to confirm my account has been paid with a simple phone call that took less than 5 minutes. In my opinion, this collection agency is not contacting my original service provider to confirm my account as they have been stating and are purposely misleading me to try and collect money from me that is not owed. -- - Contact Information : XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, IN, XXXX, Ph. # : XXXX -- - Contact Information : XXXX XXXX XXXX XXXX XXXX, Location : XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX, Mailing Address : XXXX. XXXX XXXX, XXXX, TX XXXX, Ph. # : XXXX -- - I have uploaded a copy of the account breakdown that shows a zero balance.
04/08/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • XXXXX
Web
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it, I found several items on the report that are inaccurate/no proof that it belongs to the alleged debtor. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please DO NOT respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified/no contract accounts must be promptly deleted. Also, in accordance with FCRA regulations, any account that does not bear an original signature on contract stating that the alleged debt holder agrees to pay or verified such debt must be removed immediately. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. During the verification and validation of accounts, please note that federal law requires that all accounts under review are to be removed from credit reports until validated and verified. In accordance with federal guidelines on debt collection practices, verifiable proof would be a signed contract ( bearing original print signature ; excludes electronic signature ) between alleged debtor and creditor reporting an account to the credit repository. If no such contract exists, then by federal law the CRA is require under FCRA to remove the account ( s ). Failure to abide by federal guidelines could result in government sanctions, punitive damages being paid to alleged debtor. As a CRA, it is your responsibility to verify validity and accuracy of items reported. The CRA is has 30 days to verify and provide documented proof to alleged debtor. Please also provide your bonding agent should legal recourse in this matter be necessary. Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
07/16/2018 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 76039
Web
This company violated my privacy per HIPAA regulations. They provided me a copy of a bill that contains the medical procedures I may have had. I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy. I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). The statute of limitation in Texas is 4 years. This is over the statute of limitation for this debt to be collected on. This company does not hold a surety bond in the state of Texas as required by the Texas Finance Code 392. I request the following : Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
06/01/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76052
Web
In XXXX of XXXX, my wife, XXXX XXXX XXXX and myself, XXXX XXXX XXXX, reviewed our credit reports and noticed we both had a medical collection for a medical bill of {$310.00} from Credit Systems International , Inc. account # XXXX / # XXXX. My insurance company or myself makes payments for all procedures. We have never received a bill from the original creditor or from Credit Systems International , Inc. regarding this bill. We have never been given the opportunity to dispute and request validation prior to this agency placing this alleged trade line on our credit reports. On XX/XX/XXXX I, XXXX XXXX XXXX sent a certified letter ( Article number XXXX XXXX XXXX XXXX XXXX ) to the above company advising that their claim was disputed and validation was requested made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. In this letter, I ask this company to provide me with the proper documentation ( validation ) that we owe this debt and gave them 30 days to respond to my request. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt this company says I owe. This certified letter was received and signed by an employee with the above company on XX/XX/XXXX, yet, I never did receive any validation or correspondence from them. On XX/XX/XXXX, I filed a complaint with the XXXX XXXX XXXX ( XXXX ) under complaint number XXXX. Based on this complaint, Credit Systems International , Inc. agreed to send validation and delete/remove this medical bill from our credit reports. After recently checking our credit reports, this company continues to report the same invalidated information to the credit bureau 's ( XXXX, XXXX and, XXXX ). Due to this fact, this medical collection mark on our credit reports is in violation of the Fair Debt Collection Practices Act. No validation proof has been sent to us by this company to prove this medical bill belongs to us or was never paid by my insurance company or myself. I have even called the original creditor who advised they did not show this account in their system. Also the original creditor that was listed on our XXXX credit reports is different than what is now listed on our XXXX credit reports. Both state the bill occurred in XX/XX/XXXX. I am requesting that all references to this medical collection bill ( account # XXXX / reference # XXXX / # XXXX ) be deleted and completely removed from our credit reports ( XXXX, XXXX and, XXXX ) and a copy of such deletions be sent to us via certified mail immediately. Filing this complaint again it my last course of action before I take legal action against this company.
12/10/2023 Yes
  • Debt collection
  • Other debt
  • Electronic communications
  • Contacted before 8am or after 9pm
  • TX
  • 77096
Web
Dear CFPB, My name is XXXX XXXX, and I am writing to demand the removal of an inaccurate collection account from my credit report and compensation for my time and effort in disputing it. The account in question is from Credit Systems International Inc. and it is showing on my credit report without my consent. I have no contract with Credit Systems International Inc and have given no consent for them to use my name, likeness, or credit data. XXXX XXXX sold my personal information to this company. Without permissible purpose. Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like XXXX to ensure that the information they report is accurate, complete and up-to-date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow. Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report and also compensate me for my time and effort in disputing it. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
08/31/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 75022
Web
When I disputed with credit bureaus, they only responded that they are reporting the information that Credit Systems International is furnishing them. Credit Systems International is incorrectly reporting an account to the credit bureaus and has obviously ignored my letters and billing disputes. I have never had any negative accounts on my credit reports until this one and this account status is severely affecting my ability to be approved for credit - which is how I found out they are reporting this information in the first place. I have sent at least XXXX letters to XXXX and Credit Systems and have made numerous phone calls regarding the incorrect billing of my account. When I went in for XXXX, XXXX told me they were still on our insurance plan and I would be charged the same amount as I was for the previous XXXX. When I got the bill for approximately 4 times what I had been previously billed, I started making phone calls and sending letters. They eventually told me that they were not part of our insurance - even though before they did the xrays, they told me what I 'd be charged. This is very unfair. They finally accepted a payoff and agreed to remove the account from my credit reports when they received the payment. I also wrote on the back of the check that the amount was the final payment that we agreed on. They have violated several of my rights per FCBA Section 161 and FCRA Sections 616, 617, 621, and 623 : 1. They did not bill me as agreed. I immediately disputed this bill as soon as I received it, but they did not inform the credit bureaus of that when they first reported this account. Based on CFPB data, they have a pattern of billing incorrectly and not being able to validate what they 're billing for. 2. They are reporting as a non-medical collection, when it should have been reported as a medical collection. I let them know this, they said they 'd correct it, but they did n't. XXXX, that refused to issue me credit is the one that informed me of this. 3. They never told me they were going to report this to the credit bureaus. As far as I knew, they were still researching the amount I was charged. I only discovered they were reporting when I was denied credit. 4. They agreed on a payoff and to remove the incorrect information from my credit reports, but still have not done so. The result I expect is for them to remove this incorrect reporting completely from all my credit reports, so that I do n't have to file a complaint with the FTC or a lawsuit. I 'm attaching a cancelled check as proof they agreed to remove this from my credit reports.
05/20/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AR
  • 720XX
Web
Credit Systems International Keeps reporting erroneous information about me, though it has been proven that I dont and never have lived in XXXX XXXX. All three credit reports show a {$460.00} collection from " credit systems international '' I have NEVER had an account with them. Upon further investigation I find it is related to a " XXXX XXXX XXXX '' account, some type of electric utility company. For the past 20 years I have had only two Electric accounts ... XXXX in XXXX, which I still Have at XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX in XXXXXXXX XXXX both have always been in great standing and the highest bill I have ever had with either one has been about {$180.00} in a month. The Credit reporting agency refuses to fix this problem even though they did verify that I never lived in XXXXXXXX XXXX ... They were reporting that I had lived there based upon this Utility company saying I had. After verifying this info and removing the address in XXXX from my report, they still are accepting this info from Credit Systems International saying I owe for electricity in XXXX. I cant get any satisfaction from This Credit Systems company as they will not talk to me unless I give them my SS # ... I have nothing to do with them and I don't randomly give my SS # to any company that desires it. I would have been contacting these companies dealing with this, proving I never lived there ... before it even occurred if I had known, but XXXX XXXX XXXX, nor this Credit Systems international ever mailed anything to me at my address..XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, mailing address XXXX XXXX XXXXXXXX XXXX XXXXXXXX for the past almost 20 years..and a House I own in XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I did receive some phone calls from a collection company which I now feel it was Credit Systems but before they would tell me what it was about, they wanted my SS # and birth date, I don't know about you but I had no dealings with them, therefore I wasn't giving my info. Those companies could have looked on the credit report that they received and used my address on the report, they are the ones who put the erroneous address on there some how. Why The credit reporting agencies accept addresses randomly like that is beyond my understanding, and then the consumer has to jump through hoops to get it off there. Please help me get this stuff off my credit record. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
02/10/2021 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
  • 75082
Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
11/12/2021 No
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 75040
Web
On the XXXX of XXXX, XXXX, I had a physician 's visit at XXXX XXXX XXXX ( Address : XXXX XXXX XXXX # XXXX, XXXX, TX XXXX ). This doctor 's office is affiliated with Texas XXXX XXXX XXXX. I submitted my medical coverage insurance ID card to the front desk prior to being seen by XXXX XXXX. On XX/XX/XXXX, I received a voicemail from the number XXXX ( XXXX ) XXXX that stated that they were calling on behalf of the XXXX XXXX XXXX in an attempt to collect a debt. I called that number and spoke with one of the company 's representatives. She informed me that I owed an outstanding balance of {$320.00} that had been submitted to the company by Texas XXXX XXXX XXXX. Prior to this call, I had never received any bill from either Texas XXXX XXXX XXXX or XXXX XXXX XXXX. I then contacted my insurance company ( XXXX ) and was informed that I was supposed to co-pay only {$20.00} for the physician 's visit. I connected that XXXX representative to a XXXX XXXX XXXX representative, and during this interaction the XXXX representative did inform the XXXX XXXX XXXX representative that the insurance company had already paid the majority of the account and that I was supposed to pay only the remaining {$20.00}. The XXXX XXXX XXXX agent promised to look into the issue and get back to me as soon as she had an update. However, I have never received any update from her or the XXXX XXXX XXXX XXXX since that conversation. On XX/XX/XXXX, I received an update from XXXX and XXXX credit bureaus that the XXXX XXXX XXXX had submitted the debt collection to my credit reports. I submitted a dispute of this account on XXXX on XX/XX/XXXX and did include the proof that my health insurance had covered the charge in my dispute. My dispute results came back on XX/XX/XXXX with the following status " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. '' I submitted another dispute through XXXX and included the proof of insurance coverage benefits. The results of my dispute came back on XX/XX/XXXX with the same investigation status as the one from XXXX. Although I did submit the evidence that the account had been paid for by insurance company, these credit bureaus took no action to protect me as a consumer. The balance of {$320.00} is still on my credit report and my credit score has been significantly hurt by this.
04/20/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75068
Web Servicemember
On XXXX of XXXX, I atarted to recieve notice from XXXX that changes had been made to my credit report. I got in touch with Experion to find that there where two physian offices that had sent several bills to a credit agency for nonpayment ... I have never recieved these bills, and if I had recieved a bill I would of called to let them know that my visits should be paid Medicaid, wich I have had for the past 25 years.. When I went to my Drs appointment they took a copy of my insurance, and Driver License that had correct address on it. I am not just understanding why these bills where never sent to me ... I hve contacted the collection agency and they stated that they sent bills to an address that I have not lived at in 15 years ... I also tried to give them my medicaid information and he stated that it was to late to bill Medicaid due to some of the bills are several years old. i contacted Medicaid and they stated that they will only pay past due bills that are only 3months old no exception. Now i dont understand why would I be held responsible for these charges if they have a copy ofmy Medicaid card, drivers license, and complete address. if they did not except Medicaid why woould they see me? If for some reason they could not bill medicaid I should of been informed so I could of at least try to figure out the reason for nonpayment, wich doesnt make since to me due to I am 100 % covered through Medicaid. Below are the companies that are involved XXXX XXXX. XXXX {$510.00} Collection opened XXXX balanced updated XXXX XXXX XXXX. XXXX {$2000.00} Collection opened XXXX XXXX Balanced updated XXXX XXXX XXXX.of XXXX Texas {$360.00} Collection opened XX/XX/XXXX Balance updated XX/XX/XXXX XXXX XXXX XXXX {$290.00} Collections opened XX/XX/XXXX Balanced updated XX/XX/XXXX All of these debts where placed on my vredit at the same time ... from years ago and I can prove I had Medicaid at these time and someond dropped the ball and did not bill Medicaid and didnot take the time to send the bill to me and the collection agency still has not sent me abill even after my phone call to them..They keep adding these depbts back on my account as if they are knewly opened accounts ... .so my credit rating is dropping. please help me fix this situation ... .The collection Agency is CREDIT SYSTEMS INT IN
10/14/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • XXXXX
Web
XX/XX/XXXX I checked my credit report score to find that I had a medical bill from a collections company, Credit Systems International, ( XXXX XXXX, Texas ) that had placed a debt owed of {$150.00} on my credit report XX/XX/XXXX I contacted Credit Systems International and spoke with XXXX XXXX who reassured me I owed the debt, yet I explained repeatedly that I had never received an invoice by mail or email. I asked him for an itemized summary, which he stated he was unable to provide, but kept encouraging me to pay the invoice to remove it from my credit report. He also encouraged me NOT to call XXXX directly for the itemization. XXXX XXXX I contacted XXXX and spoke to XXXX, who stated the invoice was for date of service XX/XX/XXXX and that invoices had been sent to an address in XXXX, which I responded stated I had not lived at that address in several years. After he reviewed the account notes further he determined the doctor 's office had initially sent the incorrect address, but then sent my current address, but XXXX never sent a new bill to the correct address. He apologized for the mix up stating he was pulling my account from Credit Systems Int'l and would have the collections agency " Delete '' the debt owed on my credit report. When I asked how long this would take, he replied about 30 days. XXXX sent me an itemized medical summary which I paid immediately online and have a {$0.00} balance. However, it has been a challenge since as of today the collection still shows on my credit. Each time I contact XXXX, they state they can only send an email to the Credit Systems Int'l and each time I contact Credit Systems they state the debt should have been deleted and will send another notice to the credit reporting entities which include XXXX and XXXX. I have an active credit monitoring account and the balance owed and the debt still shows on my credit report as XX/XX/XXXX XXXX XXXX. CDT. The last person I spoke to twice at Credit Systems was a supervisor, XXXX XXXX, who keeps reassuring me it will be taken care of - but my trust and confidence in this process is LOST. This error on the businesses part, not mine, has impacted my long standing very good credit score and no one seems to care. PLEASE HELP!?
08/23/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • XXXXX
Web
The statute of limitation in the state of Texas is 4 years. This exceeds the statute of limitation timeframe. I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4. ) Regards
10/12/2020 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32210
Web
CREDIT SYSTEMS INTL IN is incorrectly reporting information on the following two accounts : Account # XXXX Original Creditor : XXXX XXXX XXXX Balance : {$410.00} Original Balance : {$500.00} Account # XXXX Original Creditor : XXXX XXXX XXXX Balance {$330.00} Original Balance {$330.00} I mailed XXXX a letter on XX/XX/XXXX. In the letter, I explained that I had been living in XXXX since XXXX of XXXX and just returned to live in the USA in XXXX of XXXX. Previously, I had only returned to the USA in XXXX, for business purposes. I included copies of my US Passport with my XX/XX/XXXXXX/XX/XXXX. They show every entry and exit out of XXXX. The letter further states that I never opened nor authorized any of the above accounts to be opened. I enclosed the copies of my passport XXXX pages which supported my position and asked the company to reinvestigate the matters and to delete the disputed information. In addition to providing the inforamtion to XXXX, I called Credit Systems Intl IN, around XX/XX/XXXX. I explained that I sent my XX/XX/XXXXand proof that I was living overseas and did not open the accounts. I have recently purchased a new truck and my interest is much higher due to the negative credit reporting provided by Credit Systems Intl IN. Their inaction to address incorrect informaiton has resulted in financial harm and damage by requiring me to pay a much higher interest rate. The policies and practices employed by this company are contrary to Fair Credit Reporting Act ( FCRA ) laws and they should be reprimanded for the financial harm they have caused to myself and to many others. if this is not resolved, my next course of action will be to hire an attorney to sue them for the financial damages which have resulted from their noncompliance with FCRA laws. I hope that I do not have to waste time and money with this approach and hope that your office can assist in remedying this situation as well as place a note in their file indicating that their business does not comply with the Fair Credit Reporting Act laws. They are likely causing financial harm to many customers by their intentional inaction. I look forward to help from your agency with this matter. Very Respectfully, XXXX XXXX
11/13/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 24073
Web
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
10/07/2023 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • TX
  • 75180
Web Servicemember
I was contacted by a representative of XXXX, on XX/XX/2023 at XXXX XXXX ( XXXXXXXX XXXX central ) as I was traveling on business on the XXXX XXXX. I was asleep when the call came in, so I was not able to answer before the call rolled to voicemail. At XXXXXXXX XXXX ( XXXXXXXX XXXX CDT ) I called the number back, not knowing who the caller was. When my call was answered, I stated that someone had called me from this number and I was returning the call. The female on the line immediately wanted my name, but since I did not know who I was speaking to, I'll asked her who she was with. Her response was, " I told you when I answered the phone, now what's your name ''. I told her again, " I don't know who you are or what company you represent, so let me know who you are and then I will tell you who I am. '' She then told me very rudely, " well whenever you're ready to identify yourself, you can call back '', then she hung up on me. I called back again and determined that this company is called XXXX, a debt collector, and called me from phone number XXXX. This representative was very rude and disrespectful. I understand they have a job to do, however there is no excuse for being rude and disrespectful. There was no reason for this behavior towards anyone for any reason. I immediately contacted the doctors office who referred this account to them, and it was quickly determined that this account was sent over in error as there was an error in billing on their part, which has been resolved. I also notified the doctors office of how I was treated by XXXX, as I know how much pride they take in providing a respectful and service oriented atmosphere for their patients. My expectation is that I receive a genuine apology from XXXX for how I was so rudely disrespected by their firm, as well as what steps will be taken so that others do not have to deal with the abusive tactics that this company appears to use to intimidate the people in which they contact. I have no patience or tolerance for these unethical and unprofessional tactics. I expect to be treated professionally and respectfully at all times, and I will provide the same in return.
02/28/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 07110
Web
Hello, I have received an e-mail from XXXX on behalf of Credit Systems International stating that I owe a balance of {$850.00} as of today, XX/XX/XXXX. It stated that the Original creditor is XXXX XXXX XXXX XXXX After seeing this collection, I further investigated and realized this was a collection that I have already dealt with from XX/XX/XXXX. Before filing a complaint with CFPB on XX/XX/XXXX about my identity theft matter, I called Credit Systems International on XX/XX/XXXX and spoke to their representative, XXXX, to resolve this matter of identity theft and dispute this fraudulent account opened under my identity. After this, I contacted CFPB about this collection and informed them that I was a victim of identity theft. The Complaint ID # XXXX was submitted on XX/XX/XXXX with CFPB, which resulted in Credit Systems International removing this account and collection from my name and the credit agencies removing this collection from my credit reports. The collection I am be charged for in the amount of {$850.00} as of XX/XX/XXXX from Credit Systems International is the same identical amount I was being charged for on XX/XX/XXXX in the amount of {$850.00}. On XX/XX/XXXX, Credit Systems International responded and stated the collection was Closed with explanation. The statement read, " Credit Systems International regrets any inconvenience that XXXX XXXX may have experienced due to this matter. We understand that he is alleging identity theft, and we have submitted a request for deletion to the credit reporting agencies. '' I do not know why this collection was reopened under my credit report and why it is reappearing again after being resolved and removed from my credit report after many months. I ask CFPB to take the necessary actions to resolve this matter once again and investigate XXXX and Credit Systems International since this is not right to me as an identity theft victim. In addition, all of my credit reports with all three credit bureaus have been frozen since last year so I know this is not a new collection. This is truly taking a toll on my mental health every time I have to deal with this. Thank you.
06/15/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35215
Web
CREDIT SYSTEMS did not get my written permission to furnish the unauthorized debt account in the letter attached to this complaint. Pursuant to 15 USC 1681b2 ... a consumer reporting agency can only report in accordance with the written instructions of the consumer to whom it relates. I consider this to be identity theft and CFPB states that identity theft is when someone uses your name, number, date of birth, or other identifying information without your permission. I did not give any consumer reporting agency Authority to report this debt. CREDIT SYSTEMS continuously fail to do due process designed to validate the debt Furthermore, as proof of the violations of my rights, The Privcy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. These are the 12 exceptions : Need to Know within Agency, Required FOIA Disclosure, Routine Uses, - Bureau of the Census, Statistical Research, National Archives, Law Enforcement Request, Health or Safety of an Individual, Congress, Government Accountability Office, Court Order, Debt Collection Act. None of these would apply to me because none of the lawfully procedures were taken to validate the alleged debt. I ( the consumer ) have never validated the item listed in my attachment. The Debt Collection Act states No agency shall disclose any record which is contained in a system of recordsexcept pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless the disclosure would be to a consumer reporting agency in accordance with section 3711 ( e ) of Title 31. 5 U.S.C. 552a ( b ) ( 12 ). It also goes on to say It authorizes agencies to disclose bad-debt information to credit bureaus. 31 U.S.C. 3711 ( e ) ( 9 ) ( F ). Before doing so, however, agencies must complete a series of due process steps designed to validate the debt and to offer the individual an opportunity to repay it. None of the lawfully procedures were taken to validate this alleged debt.
12/10/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76034
Web
I went in to the company for an XXXX XXXX XXXX, and was not informed at the time of any charges owed. I received notice later to pay a balance of {$270.00}, which I paid through their online portal. I continued back for the few weeks, to see if there were to be additional charges. I received notification a couple of months later, indicating that I had a past-due bill. I logged into their online portal to see a late charge of {$110.00}. I called the company, and inquired about it, and why I didn't receive notice until it was late, to which they replied it was a mistake and removed the charge. I received another notice another couple of months later indicating that my bill was late. The same charge was sitting at the next threshold of delinquency. I called the office again, and again they removed the charge. I continued to check back for the next several weeks, confirming that my account balance was {$0.00}. I received a third notification when the bill was another couple of months " late '', again I called and the office removed the charge. The amount was again XXXX out. I again continued to check back for the next few weeks, confirming the amount had been XXXX out. I then received notice in the mail that the bill was delinquent and now in collections. I called the office, and spoke to the office manager who advised that the description on her end was for XXXX XXXX, whereas I had been seeing the charge described as a XXXX XXXX XXXX. I asked her why I hadn't seen it until it was late, she advised she did not know. She provided the number for the XXXX XXXX XXXX XXXX office, and when I called they advised I had a case to have this amount adjusted. They sent notice to the office and advised me to call back in a week. The office never responded to XXXX XXXX. Over the next couple months, I continued to check back with XXXX XXXX only to be told they had never received a response. This has started to impact my credit score, and the office continues to not respond. I attempted to call the office to speak to the office manager again, but am now unable to get through the phones to speak to her.
03/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 91764
Web
XXXX XXXX XXXX XXXX Balance : {$730.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. XXXX XXXX Balance : {$580.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. XXXX XXXX XXXX XXXX Balance : {$560.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. XXXX XXXX XXXX XXXX Balance : {$550.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. XXXX XXXX Balance : {$0.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. CREDIT SYSTEM INTL IN XXXX Balance : {$260.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. CREDIT SYSTEM INTL IN XXXX Balance : {$150.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. CREDIT SYSTEM INTL IN XXXX Balance : {$150.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. CREDIT SYSTEM INTL IN XXXX Balance : {$150.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this.
01/30/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 77479
Web
I had a medical procedure on XX/XX/XXXX at XXXX XXXX XXXX which is owned by XXXX XXXX. XXXX XXXX XXXX billed my insurance and the claim for {$17000.00} was paid out on XX/XX/XXXX with a Patient Responsibility of {$290.00} ( copy of the Medical Insurance Claim enclosed XXXX I received a billing notice from XXXX in XXXX for the outstanding amount and made Payment in Full on XX/XX/XXXX. XXXX XXXX XXXX enchased the check on XX/XX/XXXX ( copy of the encashed check enclosed ) XXXX XXXXXXXX XXXX in spite of receiving Payment in Full, sent my case over to Credit Systems International, Inc. on XX/XX/XXXX Case Reference : XXXX I received a letter from Credit Systems International, Inc. dated XX/XX/XXXX asking me to pay the amount of {$290.00} which was Paid in Full on XX/XX/XXXX I have contacted Credit Systems International, Inc. XXXX XX/XX/XXXX to dispute the Debt and spoke to XXXX XXXX from their XXXX XXXX, TX location . XXXX XXXX was very professional and promised to contact XXXX and look into my case. However, she said she is unable to call me back because their system does not permit that and I would have to call back in two weeks to check on my case. This is an attempt by XXXX XXXX to Double Bill patients and harass them by immediately turning over their case to a Collector in a very short period of less than 90 days. Their XXXX XXXX - XXXX XXXX XXXX XXXX XXXX provides allows electronic capabilities to make payments but makes it difficult to contact them and track a dispute electronically and it has to be done by phone or postal mail. XXXX XXXX was prosecuted by the Department of Justice for XXXX XXXX and agreed to pay the US Government {$630.00} XXXX in civil penalties and damages arising from false claims tsubmitted to XXXX and other federal health programs. XXXX XXXX XXXXXXXX It is likely that XXXX and its XXXX affiliate XXXX XXXX XXXX is also Double Billing other Patients. Requesting that the CFPB please investigate this. Please feel free to contact me if you need any additional information.
01/30/2020 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 76137
Web
Collection Agency " Credit Systems International '' ( https : //www.creditsystemsintl.com/ ) called my cell phone ( week of XX/XX/XXXX ) trying to collect a medical debt, without any prior written notification. Collector would only state the amount owed. Collector had no knowledge of the date of service, service performed, my patient account number, and had an incorrect address stated for my home address. Collector told me that they had just received the referral and they were attempting to collect a debt under my name. In turn they stated it was my responsibility to contact " XXXX XXXX XXXX '' in XXXX, TX that was where their referral come from. The collector did not have " XXXX XXXX XXXX '' address, phone number, or a contact person. The collector just said, " you can XXXX '' and get that information since you did not pay your bill. " Credit Systems International '' only had my name and the amount owed, but absolutely no other information. But I was fortunate enough to be assigned an collection account number : XXXX. After multiple attempts, I located " XXXX XXXX XXXX '' supposedly an outsource for XXXX Hospital in XXXX, TX. The charges were from a XX/XX/XXXX hospital stay, that I have never received a billing notice for, because of an incorrect address. " XXXX XXXX XXXX '' were billing on behalf of Dr. XXXX of XXXX Hospital, XXXX, TX. The billing clerk admitted that they had an incorrect address, but had a correct phone number ; she stated they never tried to contact me direct and sent the bill to a collection agency ; " Credit Systems International ''. In turn since I was never billed correctly, and the calendar year has changed to XX/XX/XXXX ; I am unable to access funds from my health saving account to pay for a medical billing from XX/XX/XXXX. I have made arraignments to pay XXXX direct. But the collection agent has a partial profile/file on my billing and is still trying to collect this debt without proper knowledge of the billing situation.
02/14/2023 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 07424
Web
I am the victim of identity theft my identity was used to open fraudulent utility accounts in Texas ( I have never lived there ). One of many companies where this occurred was through XXXX XXXX XXXX. There was a {$980.00} balance on the fraudulent XXXX XXXX XXXX account that was sent to collections at Credit Systems International Inc ( CSII ), which negatively impacted my credit score. The credit bureaus did temporarily remove this information when I provided them with proof of the identity theft, and XXXX XXXX XXXX has already sent me a clearance letter absolving me of any fraudulent debt, but I have not received a clearance letter from CSII indicating that : 1 ) I am not responsible for this debt due to identity fraud ; 2 ) any fraudulent debt will not be transferred to another party for collection ; and 3 ) the credit bureaus have been informed of the same. Initially, I was told to mail proof of identity theft to CSII, so I did on XX/XX/2023. USPS tracking is showing that this information was delivered on XX/XX/2023. I called CSII on XX/XX/2023 to confirm they received it, and they claimed that they never did. I then had to create an investigation with the post office. The post office local to CSII told me that the envelope was sitting in CSIIs box in the mail room and that no one had ever picked it up. I then called CSII AGAIN on XX/XX/2023 who once more insisted that they never received it. I was finally given permission to email the records to CSII. They confirmed email receipt when I called on XX/XX/2023 and told me verbally that they contacted the credit bureaus, but I have still not received anything in writing from them. Without this information, I fear that this fraudulent debt could reappear on my credit report or be sent to another party. I also fear that other consumers are sending information to this company in the mail which is just sitting in their mail room box and not being checked by anyone.
01/30/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 770XX
Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Credit Systems Intl , Inc. for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company ANY consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Credit Systems Intl Inc. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Credit Systems Intl Inc Continues its collection efforts, I will file for litigation for actual damages caused and Credit Systems Intl , Inc. shall be liable for violations of TILA, FCRA, XXXX, XXXX, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required
03/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 75206
Web Servicemember
On XX/XX/XXXX I spoke with a supervisor from this company that informed me a notice was sent out by email on XX/XX/XXXX that there was a debt owed to there company on XX/XX/XXXX per my credit report this company put a collections account on my credit report without giving me 30 days notice when I called the company they proceeded to inform me that an email notice was sent out on XX/XX/XXXX but per the companys not a letter by mail and that could forward me the email sent. My original debt was not with this companys policy as stated on their web page Our Consumer Protection and Privacy policies do not allow us to correspond via email.CSIIs Privacy Policy. I have no knowledge of this company or this debt it has not been verified that I owe a debt to company and I was not given proper notice before placing a negative collections on my credit report. Per Fair Debt Collection Practices Act Any debt collector who contacts you claiming you owe on a debt is required by law to tell you certain information about the debt. That information includes : The name of the creditor The amount owed That you can dispute the debt That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information. If the debt collector doesnt provide the above information in the initial contact with you, the debt collector is required to send you a written notice including that information within five days of the initial contact. None of these actions were taken and my rights have been violated
06/14/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 761XX
Web
XXXX ( XX/XX/XXXX ), I paid {$140.00} to the XXXX with my XXXX XXXX XXXX card. It showed as " XXXX TX '' on my XXXX XXXX XXXX statement. XXXX ( approximately ) A debt collection agency called Credit Systems International called me and told me that I owed them that {$140.00}. XXXX ( XX/XX/XXXX ), I sent proof of payment to Credit Systems International ( CSII ) that I had made the payment. XXXX ( XX/XX/XXXX ), CSII contacted me again claiming that I owed them for that debt. XXXX ( XX/XX/XXXX ), I called the " XXXX XXXX XXXX XXXX '' and got confirmation from them that my balance was XXXX and I had paid them everything. I spoke with 'XXXX. ' At XXXX she claimed that I did owe ; but then when I asked, " if my payment was not for that cost, what other instance of service was there? '' she proceeded to look further in a XXXX database and confirmed that I had indeed paid the full amount She told me that they would contact CSII to inform them of the error. She gave me a payment confirmation number of XXXX. ' Also, she gave me the Payment Reference Number of XXXX. XXXX ( XX/XX/XXXX ), CSII contacted me again claiming that I still owed them for that payment. I personally informed them of my conversation with " XXXX XXXX XXXX XXXX. '' I asked CSII if they had pressed XXXX XXXX XXXX group to look in the second database, and CSII said they knew nothing of that. I told them that they needed to press further with " XXXX XXXX XXXX XXXX '' to get the right answer. XXXX ( XX/XX/XXXX ), CSII contacted me again claiming that I still owed them for that payment. They claimed that the " XXXX XXXX XXXX XXXX '' claimed that I still owed them. XXXX ( XX/XX/XXXX ) I learned that CSII had reported me to the credit agencies.
12/14/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 77379
Web
I arrived at my apartment and there was not electricity, I went to the leasing office in order to know what was going on and I was told by the leasing XXXX that XXXX XXXX was cut off the service. I called to XXXX XXXX asking why they cut off my service if I was paying my bills on time. The representative told me by phone that XXXX XXXX cut the service by mistaken then I was asking to reestablish the service because there were high temperatures in those days, and he told me that was not possible to do the reestablishing of the present contract and he told me that I should be wait XXXX weeks. I told him immediately that it was not possible for me how can I was going to be XXXX weeks without electricity. After I finished the conversation, I called another provider in order to have a service, however until XXXX days later I had electricity. On the next day that issue happened a XXXX XXXX representative called me offering to me another contract and I told him that I had already taken another contract with another company because how was I going to be without electricity for XXXX weeks. When I received the last bill from this company, I noticed they were charging to me the termination contract fee. then I called them back in order to ask them why they were charging to me that charge since I did not request the termination of the service. Also, on this conversation they were trying to convince me to stay with them. I told to the representative since the cut off the service without my requirement I was on my rights to looking for another provider to provide electricity inmediatly. Because I explained to him that on my first conversation XXXX XXXX told me that I should be wait XXXX weeks.
04/28/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70065
Web
I reviewed my crediit report yesterday XX/XX/2022 found that Credit Systems had reported me to the credit bureau for a Company called XXXX XXXX. The collection company said I Had to file a fraud police report and mail it to them and then they would take action of some kind in 7 to 10 days. They at first could not even spell my last name after social security # they located me which that's how they found me in the first place. Taked to XXXX XXXX and they would resolve it for 7 to 10 days. I live in Louisiana and XXXX turned on XXXX for someone in XXXX Texas because they apparently did it with a fraud person online. Seems XXXX to do this with no deposit, photo or even someone doing physical verification .In my opinion The supervisor was very rude. and 7-10 days to dispute. So XXXX filed fraud against XXXX charge, plus bother our local police department who have very serious jobs to. make a Fraud report! I would think with all the fraud going on they would verify more than just ss # which can be hacked.They also kept act. open for 3 months I believe everyone involved is part of a slander to my name. Investigate!!!!! before you put my name in credit bureau. All info and Police report are sent to Credit Systems International. Now my credit score has dropped over 60 points I would like and apology from both companies my credit report devoid of this report and XXXX for certified mail refunded. I feel for sorry for customers of XXXX XXXX if they can be so easily, conned on line and customers have to pay for their Lack in Security XXXX act # XXXX and XXXX XXXX XXXX XXXX XXXX apologize for what everone has done and make this report removed fom my report before I take legal action of slander
01/10/2023 No
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 762XX
Web Servicemember
When I went in on XX/XX/XXXX for a standard office visit to see my physician I asked how much the self-pay amount was for an office visit. The office advised that it was {$100.00}. I requested that this visit be billed as a self-pay visit. The Physicians office did not bill as self-pay but chose to bill my insurance for XXXX and then charge me a balance of {$180.00}. I called them to advise that I would not pay the requested amount of {$180.00} and that they billed my insurance without my permission. I told them I would pay the self-pay the amount of {$100.00}. They refused to adjust the bill. They then advised to contact their central billing. I opened a dispute with their central billing. They denied my claim again and advised they wanted {$180.00} to resolve the matter. In XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX issued an update to HIPAA privacy regulations that permit a patient to pay cash. Patients covered by a health plan XXXX choose to pay their doctor in full for services and choose not to disclose any information to their insurance company even if the services are covered by the insurance company. Anyone that wants to pay on the same date of service should be able to get the discount. They have now assigned this account to a collection agency. Credit Systems International XXXX XXXX- XXXX, XXXX XXXX - XXXX. I have called the collection agency to advise them of the dispute and they told me they would resolve the issue if I paid the {$100.00} but would not put anything in writing to confirm their statements. This is a very deceitful tactic. Not to mention assigning any medical bill to a collection agency is a HIPPA violation.
06/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 77477
Web Servicemember
These Accounts : ( 1. ) XXXX XXXX XXXX XXXX XXXX ( 2. ) XXXX XXXX XXXX XXXX XXXX XXXX ( 3. ) XXXX XXXX XXXX XXXX XXXX ( 4. ) XXXX XXXX XXXX ( 5. ) XXXX XXXX XXXX XXXX BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( EXPERIAN, EQUIFAX, OR TRANSUNION ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.
02/28/2023 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 75206
Web Servicemember
On XX/XX/XXXX I spoke with a supervisor from this company that informed me a notice was sent out by email on XX/XX/XXXX that there was a debt owed to there company on XX/XX/XXXX per my credit report this company put a collections account on my credit report without giving me 30 days notice when I called the company they proceeded to inform me that an email notice was sent out not a letter by mail and that could forward me the email sent. My original debt was not with this company I have no knowledge of this company or this debt it has not been verified that I owe a debt to company and I was not given proper notice before placing a negative collections on my credit report. Per Fair Debt Collection Practices Act Any debt collector who contacts you claiming you owe on a debt is required by law to tell you certain information about the debt. That information includes : The name of the creditor The amount owed That you can dispute the debt That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information. If the debt collector doesnt provide the above information in the initial contact with you, the debt collector is required to send you a written notice including that information within five days of the initial contact. None of these actions were taken and my rights have been violated.
12/22/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75126
Web
Credit Systems International , Inc never notified me in regards to a {$100.00}. medical bill that was placed on my credit reports for collections. When I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX and spoke with a representative named XXXX he stated I was never billed {$100.00}. I requested to have an invoice sent to me for the {$100.00} bill and as of today I never received an invoice. On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX again in regards to the {$100.00} and the representative informed me they are not able to locate a bill for that amount in their system. I also disputed this with both credit bureaus and they stated the account is valid not sure what that means. I'm not sure if the medical bill is valid because I never received the bill and Credit Systems International , Inc never notified me via mail or via phone. However, I did receive a letter from Credit Systems International , Inc in regards to another medical bill for {$330.00} and that bill was paid in full on XX/XX/XXXX with agent XXXX ( XXXX ). Attached are copies of the invoices that I paid in full with Credit Systems International , Inc . I'm requesting to have these collections removed from all my credit reports and to send copies of the bill that I never received from XXXX XXXX XXXX XXXX which will reflect if the {$100.00} is actually my bill or if its a bill that I already paid in full. By law the collection agency is required to notify the consumer before they place collections on their credit report and Credit Systems International , Inc failed to follow the law.
09/26/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 77379
Web Older American
On XX/XX/XXXX, I received an offer from a utility company. XXXX XXXX, mailed me out a offer of {$600.00} to switch my utility switching fee would be paid. acct # XXXX. XXXX XXXX, acct # XXXX XXXX XXXX was prior utilitiy. early cancelation fee was {$600.00}. After speaking with a XXXX. I switched over. that conversation took place. after giving all my info the XXXX. I spoke to a rept. gave the information from my mail of {$600.00} dollar switch over fee to that representative. I informed the representative to secure my closer fee to reliant. I informed the XXXX representative, I was not renewing my lease. When I find a cheaper resident, I would be in contact with them, now that was at the time of registering with XXXX, in XXXX. XX/XX/XXXX, I requested service be out of my name as of XX/XX/XXXX. Now this XXXX company. is now back stepping their agreement. I have struggle paying a few utility bills on time but always caught up. XXXX are taking advantage of me. I have been XXXX! Causing a collection company to effect my XXXX XXXX XXXX yrs. The collection XXXX XXXX XXXX ( XXXX ), report # XXXX. XXXX is now XXXX up a higher utility bill for XXXX, XXXX. And for the month of XXXX and XXXX for a XXXX of {$500.00} some odd dollars. I was out of my appartment on XX/XX/XXXX. They tell the shut off order the sales representative got disconnected. No way there was repeatedly informed him to disconnect. On top of this is I could no longer afford to pay my rent located XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, after XXXX yrs. of residency. ( On XX/XX/XXXX 2023
08/28/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • XXXXX
Web
On XX/XX/2019, I paid an old medical collection account with Credit Systems International via phone through a company representative, XXXX XXXX in the amount of {$130.00}. Numerous times it was announced the call was being recorded. Prior to making the payment, I specifically requested an email confirmation of the payment and confirmation of the deletion request of the collections reported to both XXXX and XXXX Credit Bureaus. I was assured my XXXX XXXX this would be sent to me, but not until the payment was made. My call was then transferred to a 2nd " bookkeeper representative '' who took the payment. When I provided her with my email in order to receive the confirmation, I was placed on hold and transferred to a 3rd representative who rudely informed me it was not a company policy to communicate with consumers electronically/via fax. I requested management personnel and was connected with Supervisor, XXXX XXXX. I explained the situation. Supervisor XXXX XXXX stated it is not company policy and no confirmation would be provided. I was told to " show up in person '' if I wanted confirmation These are blatant abusive/dishonest business practices being used with no consequences. There are many complaints on the XXXX website of this same nature with the company 's same canned reply. They are not following up to clear the collections appropriately on consumer reports, the original reason I requested confirmation. This has to somehow be in violation of Fair Debt Collection Practices.
06/03/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 75104
Web
I went in to see XXXX XXXX XXXX, to have him to remove some XXXX that I had gotten XXXX. I continuously, indicated to him that, I knew it was some XXXX. He asked me if I wanted him to send it to the lab, for testing. I said no, because, I remember the day it happened, and that, I knew exactly, what was in my hand, and that there was no need to send the small piece of XXXX to the lab. He sent it any way. I do not feel as though, I owe this debt, because, he sent it against my wishes. It is not my fault, that he did not believe that it was XXXX XXXX XXXX, placed this negative information, on my credit report, with the XXXX major reporting agencies. Along with, negative information, about me going to XXXX the hospital. Which, I did not. These bills were totaling, {$140.00}, to XXXX XXXX, and a {$81.00}, bill to the hospital. All, I presume, was for the lab testing, in which, I did not instruct, XXXX XXXX, to submit!!! The and companies name and account numbers, for these illegal, transactions, are Credit Systems International XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX, account # XXXX, Address identification # XXXX, Original creditor, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, TX XXXX, ( XXXX ) XXXX, Account # XXXX, Address identification # XXXX, Original creditor, XXXX XXXX XXXX XXXXXXXX parties, needs to remove all negative information, from my credit reports ... and, cease, all harassing calls, and attempts, to collect a debt, that I do not owe.
03/20/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • TX
  • 77346
Web
I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
09/19/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75028
Web
The company is reporting a debt on behalf of another medical service provider without a proof of my ownership of debt. The debt they have marked as Dispute state, though in my opinion there is no dispute that I do not owe this debt. Yet, they have reported to credit beureus as Collection, hurting my credit score and credit worthiness. In fact a credit card application was rejected solely due to this reporting causing me enormous irrepairable financial loss. The fact is the debt is not valid. It seems to show one bill from 6 years ago that the original provider XXXX XXXX, that they claim I owe. The fact is that I was in hospital between life and death situation. Hospital was directly coordinating all care for me without my knowledge and approval of each procedure. I had not authorized XXXX XXXX any money to be directly charged to me or ownership of such procedures. All bills over half a million were processed and paid by my Insurance company for many other providers. What transpired and why their bill was not paid is beyond my knowledge. There is no proof that they provided this service to me or I authorized by me. Nor I know whether they submitted to insurance and got paid or not paid or rejected due to what reason. All I know is I have paid everything whatever insurance has been telling me I owe. If insurance did not tell me I owe to this provider, the bill is not legal. THIS DEBT COLLECTION MUST BE IMMEDIATELY REMOVED FROM MY CREDIT REPORT.
05/04/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • VA
  • XXXXX
Web
To Whom It May Concern : I am responding to your contact about a debt you are trying to collect. You contacted me by telephone on XX/XX/2022. Upon answering the call from your debt collector, I informed her I did not believe the information was accurate and that I would need additional information from CSII in order to personally verify the validity of the debt. I asked her to provide additional details via email and she refused. Instead of either offering to send me the details via mail or even over the telephone, she repeatedly attempted to get me to confirm the debt was mine, saying things like so youve confirmed the [ radiology debt ] is yours. I provided no such confirmation. Further, when I asked if she would please provide the details of the debt via email, she responded that there was an easier way to deal with the issue by just confirming the debt was mine. I also attempted to reach CSII by telephone to speak with a supervisor but was repeatedly placed on hold until the call would drop. While a clever attempt at deceptive debt collection practices, CSII is in violation of several state and federal laws, including the Fair Debt Collection Practices Act. As you should know, I have a right to ask for any verification of the debt you are attempting to collect from me. I have ccd the Consumer Financial Protection Bureau as well as the Texas Attorney Generals Consumer Protection Division, so they are aware of such behavior.
02/02/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • FL
  • 33025
Web
Back on XXXX/XXXX/2015 we disputed a credit report entry from Credit Systems international. After the dispute with case numbers XXXX and XXXX, Credit Systems international agreed to delete the entry because " XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX does not show to be a good address for mail delivery. There were no telephone numbers on the file to attempt contact with XXXX XXXX. We attach our required verification of the debt. If XXXX XXXX disputes the validity of the charges, and if she will furnish our office what the dispute is, we will open an investigation. A request to delete the report from the Credit Reporting Agencies ( CRA ) has been requested and no further reports will be requested for a minimum of 60 days to allow XXXX XXXX sufficient time to review the itemized statement and/or notify us of any errors '' We then sent them a debt validation letter with specific information they need to send to me to validate the debt, not just say they have validated the debt. We uploaded into the CFPB system with the above claim # as well as mailed it certified mail # XXXX on XXXX XXXX, 2015 which they received on XXXX XXXX, 2015 @ XXXX. Not once they they respond and now again I find the charges on my credit report. I want these charges removed immediately until the information I requested is sent to me in accordance with HIPAA laws. I will again attach the original letter I sent them to this claim
02/02/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • FL
  • 33025
Web
Back on XXXX/XXXX/2015 we disputed a credit report entry from Credit Systems international. After the dispute with case numbers XXXX and XXXX, Credit Systems international agreed to delete the entry because " XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX does not show to be a good address for mail delivery. There were no telephone numbers on the file to attempt contact with XXXX XXXX. We attach our required verification of the debt. If XXXX XXXX disputes the validity of the charges, and if she will furnish our office what the dispute is, we will open an investigation. A request to delete the report from the Credit Reporting Agencies ( CRA ) has been requested and no further reports will be requested for a minimum of 60 days to allow XXXX XXXX sufficient time to review the itemized statement and/or notify us of any errors '' We then sent them a debt validation letter with specific information they need to send to me to validate the debt, not just say they have validated the debt. We uploaded into the CFPB system with the above claim # as well as mailed it certified mail # XXXX on XXXX XXXX, 2015 which they received on XXXX XXXX, 2015 @ XXXX. Not once they they respond and now again I find the charges on my credit report. I want these charges removed immediately until the information I requested is sent to me in accordance with XXXX laws. I will again attach the original letter I sent them to this claim
12/07/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75154
Web
It is amazing when you find out about a debt, a collection agent was to try and destroy your credit, and the integrity of the law. It has been reported to the credit bureaus by Collection Agency : Credit System International , Inc., XXXX XXXX XXXX, XXXX, TX XXXX of a debt owed of {$70.00} which I have no recollection of. In taking in test that was authorized by my doctor have been paid. This company called XXXX XXXX XXXX XXXX XXXX is an establishment I'm unfamiliar with. Never took any test at this location. When it comes federal laws, they are written to protect consumers from unlawful business practices from agencies such as. I was not given sufficient time during the dispute process to get as much information regarding a medical debt. I never received anything about services rendered from this establishment, and not anything from Credit System International , Inc. By law a consumer has up to 90 days at the time collection agency makes contact regarding an outstanding debt, before any reporting to the credit bureaus negatively. Federal Credit Reporting Act under The Federal Commission, section 623. CSI reported negatively to the credit bureaus while this matter was in dispute. The have violated my rights under the FDCPA and FCRA. I value my credit, and anything negatively reported should be removed. Please assist in this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
01/22/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • XXXXX
Web
Today XX/XX/2018 I was looking at my credit report and this collection account popped up on my credit report. I have never done business with this company nor do I have a contract with this company. I, as a consumer, have rights under the FDCPA that the FTC enforces. This collection agency has never contacted me in writing to VALIDATE not VERIFY this alleged debt. This collection agency just appeared on my credit report and I have the alert to prove it. If this company does not follow the law properly I will have no other choice but to contact my Consumer Rights Attorney and sue this company. If I owe any company money it must be presented according to the law. And popping up on my credit report out of the blue is not according to FDCPA laws. I have never received anything in writing from Credit Systems International INC., I have never been given the opportunity to dispute and request validation as FDCPA states I have the right to do. THIS IS A CLEAR VIOLATION OF Credit Systems International INC. illegally placing information on my credit report without my consent, knowledge or written authorization as required by the FCRA. I have also contacted my consumer rights attorney who is with the law firm XXXX XXXX XXXX. I have never been given the right to dispute. REMOVE YOURSELVES IMMEDIATELY OR I WILL INITIATE A LAWSUIT FOR VIOLATION OF THE LAW.
08/18/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • TX
  • 75007
Web
I have notified credit systems international, a debt collector of XXXX XXXX XXXX, as well as XXXX XXXX XXXX directly, regarding an account they opened for an individual ( s ) that fraudulently obtained and used my personal information that I do not know and have never known. I have filed a police report and sent the fraud packet they requested to them via mail and never heard back. I have disputed the debt repeatedly on my credit report and they continue to report negatively on my credit and call and harass me for the debt that I never authorized, and they did not validate properly. I am at my witts end with this company. I had perfect credit before this identity fraud and am now unable to purchase a home with my husband for a fair rate that I deserve because they refuse to do the right thing and remove the reporting from my credit. On top of that, I have been denied credit with many financial institutions due to the impact of this collection, which I should not be held responsible for. I believe the company should be made whole for this debt, but they should purse the individuals at the addresses they offered services to in another city, and not me. I will never do business with them in the future due to the way they have treated me throughout this process, an innocent XXXX party of this debt.
09/15/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 76048
Web
I have disputed these accounts numerous times through XXXX and XXXX as the negativity that has impacted my score has been false from the start. I have talked to each collection agency listed and have recorded conversations of them stating apologies for the errors and that they will be removed however ; they have only followed through with XXXX and not XXXX. I have no negative items on my XXXX but they have done nothing to XXXX besides removal of a few accounts but, they have added accounts in their place, ones where insurance, XXXX, XXXX and my Supplemental insurance company has already paid these claims. I need help as I have disputed these numerous times. Below are the companies that are not in following through with what they have agreed to do. NEGATIVE INFORMATION > COLLECTION. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
07/04/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75208
Web
Subject : Notice of Trespass and Demand of Cease and Desist Dear Sir/Madam, I write to you on behalf of Anthony-Deshawn : XXXX XXXX XXXX XXXX XXXX XXXX. It has come to our attention that your firm 's actions have resulted in an intrusion on the trust property associated with the aforementioned entities. These actions are perceived as a violation of several United States codes, resulting in harm to XXXX XXXX XXXX. We hereby demand that your organization immediately cease and desist all such activities that infringe upon the rights and property of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to comply with this demand will be seen as an acceptance of the terms and conditions as well as the fee schedules associated with both entities. This acceptance will be binding and may result in the imposition of fees and penalties as outlined in these terms and conditions. Please understand that this letter is not exhaustive of our client 's rights, remedies, claims, defenses, or assertions, all of which are expressly reserved. We expect your immediate attention to this serious matter. We trust you will take this matter seriously. Please confirm receipt of this notice and your commitment to cease all trespassing activities as soon as possible. Yours sincerely, [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ]
04/09/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95124
Web
Last year I received a call from a debt collection company. I was told I had outstanding debt with XXXX XXXX XXXX for a product called XXXX a product I never purchased. I asked the person that contacted what was the name and address on the bill they were calling about. I was told the bill was to XXXX XXXX at an address in XXXX, XXXX I told the agent I dont, and have never rented or owned an apartment or home in XXXX XXXX I live in XXXX The collection agency had the wrong XXXX XXXX. I was then told by the person on the phone that the collection agency would contact XXXX XXXX XXXX to investigate the situation. After receiving no followup from the debt collector, I contacted them to get a status on collection issue and was told it was resolved and no further action was required on my part. Since XX/XX/2021 I have received a negative delinquency mark on my credit report. This delinquency information, for a debt that is and never was mine, continues to be reported on a monthly basis by : Credit Systems Intl. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Will you please help to get Credit Systems Intl. to stop providing false information to the Credit Agencies as what they are doing is negatively affecting my credit score, which has always been excellent. Thank you, XXXX XXXX
04/19/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 07644
Web
Credit Systems International has been sending me repeated bills of collections for a XXXX XXXX company for the total of {$1000.00}. On XX/XX/2023, I completed a FTC Identity Theft form which indicated that this was due to identity theft and fraud. There was another utility company, XXXX XXXX XXXX, which XXXX was trying to collect {$310.00}. This was just resolved by XXXX but I want to ensure Credit System knows this is identity theft and clears that off my credit. I have called repeatedly and stated the actions I have already took in proving this is identity fraud. There were also two false addresses from Texas, never lived there or know anyone there, that were being used for the XXXX XXXX and XXXX XXXX. I have been with XXXX & XXXX for 5 years and I have never even heard of these scammer companies. XXXX XXXX are terrible to work with and basically said they dont believe me. I sent them years worth of XXXX & XXXX documents, government documents and the identity fraud application and still are sending me letters stating its not enough information. This has been a terrible nightmare for someone whos identity has been stolen and they make it 100 times harder by not believing the hard evidence. I already told them I will not pay it and keep fighting all the letters they send.
07/18/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76017
Web
Today XXXX XXXX /2017 this collection account popped up on my credit report. I have never done business with this company nor do I have a contract wit this company. I as a consumer have rights under the FDCPA that the FTC enforces. This collection agency has never contacted me in writing to VALIDATE not VERIFY this alleged debt. This collection agency just appeared on my credit report today and I have the alert to prove it. If this company does not follow the law properly I will have no other choice but to contact my Consumer Rights Attorney and sue this company. If I owe any company money it must be presented according to the law. And popping up on my credit report out of the blue is not according to FDCPA laws. I have never received anything in writing from Credit Systems, I have never been given the opportunity to dispute and request validation as FDCPA states I have the right to. THIS IS A CLEAR VIOLATION OF Credit Systems illegally placed information on my credit report without my consent, knowledge or written authorization as required by the FCRA. I have also contacted my consumer rights attorney who is with the law firm XXXX XXXX XXXX . I have never been given the right to dispute. REMOVE YOURSELVES IMMEDIATELY OR I WILL INITIATE A LAWSUIT FOR VIOLATION
11/24/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • AL
  • XXXXX
Web
I was contacted by letter with Credit Systems International Inc for XXXX XXXX with a Past Due amount of {$700.00}. I contacted Credit Systems after receiving the letter explaining to them that due to Covid-19 my Car Lot closed. I contacted Alabama Power and told them I was moving and to disconnect the power, well they didn't and my Ex Landlord had another Car Dealer take possession of the property the next day. I put up a {$750.00} deposit and didn't owe the Company any money. After responding to the letter I was told the file would be put in dispute. Well 2 weeks later I get a Alert from XXXX XXXX and XXXX XXXX saying a collection from this company was put on my XXXX and XXXX Credit Report. On XX/XX/20 I spoke with the Supervisor Mrs. XXXX XXXX and she promised me that she would delete the collection off of my Credit Report. I take pride in having Great credit, I have 6 Credit Cards paid on time and a Mortgage paid on time too. Right now Credit Systems International Inc. violated my rights under the Fair Credit Reporting Act and they are liable for damages in State and Federal Court for {$1000.00} each plus other damages. Presently I am trying to obtain a Loan to reopen my business but due to this collection I have been declined, they need to pay me {$50000.00}.
06/01/2023 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 75089
Web Servicemember
This is the Forth time I have had to deal with this debt collection company over medical bills. This company refuses to send me a written account of anything I May owe, so I could check with XXXX and verify correctly. Every time I call and remind them of this being against debt collection customer laws etc, all I get is Attitude from reps with no intent of fixing anything. I am thru trying to work with them, and as of this very moment my credit score has dropped XXXX point over accounts I were not even aware of. I was a XXXX patient at the XXXX XXXXXXXX, and was paying my deductibles and co-pays along the way working with my part C XXXX provider to keep account of bills I might owe, so this is totally against rules. I have not seen ANY bill statements from this debt collector as of today, and as far as I know all bills could be less than XXXX bucks and therefore not qualify for reporting per New Reporting laws this year! I have already submitted complaint # XXXX 2 weeks ago, and these Fools have struck again.All without sending me any statements at all ... .this time they send 6 total negative unlawful accounts to my credit report and decreased my credit score.These persons has some kind of ISSUES for sure ... ... and needs to be put in their place
03/06/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75159
Web
On XX/XX/XXXX, I checked my credit report for errors. Upon checking my XXXX report I saw that there was a collections account for {$47.00} being reported that had been removed the prior year. In XXXX, the account was owned by XXXX XXXX XXXX XXXX and was removed because it could not be verified as mine. I never received verification information from XXXX XXXX XXXX XXXX. Now the account is being reported by Credit Systems International Inc. ( CSII ). I have reached out to this company by mail twice, XX/XX/XXXX, and XX/XX/XXXX, to dispute the validity of this account. On XX/XX/XXXX, CSII responded to my first letter, but did not supply the verification information I requested ; however, the account has temporarily been removed from my XXXX report until their investigation is completed. In their response it is stated that XXXX XXXX XXXX is the original owner of the account, but no contact information was provided. As of today, XX/XX/XXXX, it has been almost two months since I've received communication from Credit Systems International Inc. I am placing this complaint because I fear this account will be sold to another company again, and I will be forced to repeat the dispute process repeatedly for an account that is not mine.
11/11/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • TX
  • 78213
Web
My fiance and I moved from XXXX XXXX, Texas to XXXX, Texas in XXXX. We had closed out the utility service and gave them a forwarding address. When we called and closed the account we had paid a final payment, and was told that the account was closed and that what we paid was the final bill. Because we are talking about purchasing a house, I wanted to check my credit report. I realized that there was a bill in collections. I immediately filed a dispute with XXXX and XXXX. I had never received any further contact from XXXX XXXX XXXX after we had called to close the account. We were unaware that we even had an outstanding bill with them. Over a year later, they sold the bill to Credit Systems International. This debt has been in collections since XXXX. We have never received any notifications that we had a debt in collections. We have never received a debt validation letter notifying us that we had something in collections. XXXX immediately reversed the collections on my credit report, but XXXX is saying that they verified that the debt is mine. Three years later and I have never been contacted by this company via mail or left any type of voicemail letting me know that I had an outstanding balance due.
04/16/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 76131
Web
Credit Systems International continues to call me multiple times a day from multiple numbers throughout the state of Texas. I have repeatedly asked for verification of said debt in writing, which they claim to have mailed multiple times. To date I have not received any communication other than multiple phone calls from this collector. They claim to be representing the City of XXXX, who was my former Electric provider over a year ago. I believe that I left my account in good standing and would like verification of the debt that CSI states that I owe. I have asked again via phone for this company to stop calling me. I was provided w/ their mailing address below and plan on sending a cease and desist letter via certified mail until they can validate this debt. I have also requested that they send me a letter via certified mail if they are in fact having issues getting a letter mailed to my address. Any help with this is greatly appreciated. The collector is more concerned with how I plan on " handling the debt '' instead of helping me verify that this is a legitimate collection. I will not be making a payment until the debt is verified in writing. Credit Systems XXXX XXXX, TX XXXX
07/01/2021 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 77316
Web
XXXX XXXX XXXX XXXX XXXX is trying to collect {$140.00} from me for a debt that I have already paid. They sent the debt to a collection agency, Credit Systems International. I have written to Credit Systems International demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or agreement with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money which has already been paid and for which they have no document bearing my signature. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt. I have sent XXXX XXXX XXXX of XXXX a copy of my bank statement showing a payment which they never acknowledged.
08/24/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77386
Web Servicemember
Lawful Notice of Dispute TO : CREDIT SYSTEMS INTL IN RE : Account Number : XXXX To Agents or Assigns at : CREDIT SYSTEMS INTL IN I am in receipt of a computer-generated letter from your company dated on or about XX/XX/2023 unsigned, unverified, unvalidated statements alleging some kind of debt. It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exists between XXXX XXXX and CREDIT SYSTEMS INTL IN. Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. Please send me a certified copy of your license to collect a debt in Texas. If you bought this as a debt collections device to make money as a debt collector, thank you for paying off the bill. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE All Rights Reserved, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, TX XXXX
06/30/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85213
Web
I was checking my credit score and found a collections document : CREDIT SYSTEMS Last reported XX/XX/2023 {$1100.00} Open balance XXXX XXXX Original creditor This is an energy company in Texas, I am located in Arizona, and I have never opened an account with this company. I called the company on XXXX, and they claimed they could not find my information. Upon further investigation on my behalf, I came across an email from XXXX denying a personal loan. The letter reads as follows : Dear XXXX XXXX Thank you for your interest in XXXXXXXX XXXX XXXX. To ensure you're always informed, we're writing to let you know that we could not approve your loan request at this time because : COLLECTION TOO FEW ACCOUNTS IN CURRENT STATUS DEROGATORY PUBLIC RECORD OR COLLECTION FILED Keep in mind, your credit score will not be impacted by your request since we used a soft credit inquiry to check your eligibility. If you have any questions regarding this letter, write to XXXX XXXX, issuer of the XXXX XXXX XXXX, at XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. Please include your name, address and application number XXXX. Sincerely, XXXX XXXX XXXX
06/01/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 765XX
Web
XXXX XXXX XXXX in XXXXXXXX XXXX is notorious for coming up with charges years after medical service ( my daughter has received bills XXXX years after she has been there and my husband just received notice he has a credit from XXXX years ago ). I have not been to this hospital since XX/XX/XXXX. They turned my balance over to Credit Systems International and a derogatory mark was made on my credit report on XX/XX/XXXX. I have not received any other bills from XXXX XXXX except for a worker 's compensation claim and that was taken care of. On XX/XX/XXXX I received a collection letter from Credit Systems International in the amount of {$71.00}, and I discovered another derogatory mark was made to my credit report on XX/XX/XXXX, XXXX days before I even received the collection letter. If my balance with XXXX XXXX was reported on my credit report in XXXX, and I haven't been to that XXXX since XX/XX/XXXX except for the worker 's comp claim last year, then how do I owe them anything? And how can a derogatory remark be made on my credit report days before I was even aware of the so-called charges?
02/16/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account status
  • TX
  • 75075
Web
I intend to dispute this directly with the credit reporting company. They mailed me a collection notice dated XX/XX/2017 that contained the 30-day validation notice ( as required by law ) for a balance that I was unaware was allegedly due from a medical procedure done last year. I immediately picked up the phone and called the medical office for an explanation. It appears to be an insurance issue. I disputed the amount but went ahead and paid the collection agency to prevent the account from being furnished to the bureaus. My next step was to write them a certified letter requesting full validation of the debt ( regardless of it being paid ). I got an alert from XXXX saying that a negative collection item had been reported by Credit Systems International , Inc. on XX/XX/2017, which was still within the 30-day window. I am demanding that this trade line be removed from my credit report immediately. I am in the process of refinancing my home and am being damaged by this. My next course of action is to hire an attorney and to sue them under the provisions of the Fair Credit Reporting Act.
08/13/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 787XX
Web
Around XX/XX/XXXX I noticed a {$17.00} collection report on my XXXX report. I don't know what this is as I paid it a year ago, on time. I have never received a notice about this, it just showed up on the credit report. I have excellent credit ( used to be > 800 ) and pay all bills on time. I called the creditor 's number listed on the credit report and they show it as paid off XX/XX/XXXX. I have the credit card statement showing the {$17.00} amount. XXXX said they did not send this to collections. Their contact info : Phone : XXXX Toll XXXX Fax : XXXX Hours : Monday Friday, XXXX XXXX. XXXXXXXX XXXX Central Time From XXXX was unable to help because there is " no collections record ''. I disputed twice with XXXX. On XX/XX/XXXX, case XXXX On XX/XX/XXXX, case XXXX And I just called into XXXX to dispute a third time, this time the rep recommend disputing as not mine vs the {$17.00} amount. I'm stuck between a rock and a hard place on this as it's paid off and XXXX says they can confirm it. I don't know who to turn to.
05/26/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75154
Web
Collection Agency : Credit System International , Inc., XXXX XXXX XXXX, XXXX, TX XXXX. When it comes federal laws, they are written to protect consumers from unlawful business practices from agencies such as. I was not given sufficient time during the dispute process to get as much information regarding a medical debt. My understanding, I had already took care of matters with an XXXX. That was collected at the time of service XX/XX/XXXX. CSI sent original letter dated XX/XX/XXXX. I disputed the claim because I didnt know what debt was for. By law a consumer has up to 90 days at the time collection agency makes contact regarding an outstanding debt, before any reporting to the credit bureaus negatively. Federal Credit Reporting Act under The Federal Commission, section 623. CSI reported negatively to the credit bureaus while this matter was in dispute. The have violated my rights under the FDCPA and FCRA. I value my credit, and anything negatively reported should be removed. Please assist in this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
09/09/2021 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
  • 75154
Web Servicemember
In XXXX of 2021, I reported a dispute to Credit Systems International regarding an item I do not owe. I never received anything in the mail. They just put it on my bureau and left it there. I am trying to refinance my home. I just spoke with XXXX at Credit Systems International at XXXX. He stated he would delete/remove it from my credit bureau ; however, he refuses to provide with me any documentation stating that he will be removing it from the bureau. XXXX stated it will take 5 to 15 business days to disappear from my credit bureaus. I asked to speak with his Manager and he said they were unavailable. He said XXXX or XXXX would call me back, but we know how that goes. I would like a letter sent to me immediately stating the information has been deleted from my credit bureaus. The account number showing on my account is a medical bill XXXX Acct XXXX. Please use my fax number so that I can receive it asap. My fax number is XXXX. Thank you, XXXX XXXX XXXX last four of social XXXX adress is XXXX XXXX XXXX, XXXX XXXX, TX XXXX, phone XXXX, email XXXX XXXX
12/26/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 751XX
Web
There are 5 total entries by Credit Systems ( International ) on my credit report : # 1 - XX/XX/XXXX = {$520.00} Date of 1st Delinquency of XX/XX/XXXX # 2 - XX/XX/XXXX = {$120.00} Date of 1st Delinquency of XX/XX/XXXX # 3 - XX/XX/XXXX = {$40.00} Date of 1st Delinquency of XX/XX/XXXX # 4 - XX/XX/XXXX = {$120.00} Date of 1st Delinquency of XX/XX/XXXX # 5 - XX/XX/XXXX = {$61.00} Date of 1st Delinquency of XX/XX/XXXX I have sent repeated disputes to XXXXXXXX ( which resulted in a breach in my credit! ) /XXXX and have discussed it with Credit systems on the phone as well. I had 1 XXXX in XXXX of XXXX and before I could have this XXXX, I had to pay for all of this beforehand, in full or no XXXX! I distinctly remember standing there having to wait on the person at the desk as they decided how much it was going to be as well. Not only that, as you can see two are the same amount - hence it's been duplicated! I have repeatedly asked that these be taken OFF my credit report with no success and need help seeing as they think they have the right over me.
11/08/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • HI
  • 96761
Web
Without any written or verbal notification, this medical facility ( XXXX XXXX XXXX in XXXX Hawaii ) who in fact got paid in full by my Insurance carrier for services rendered, turned both charges over to the collection agency " Credit Systems International '' as unpaid debt. Charges were for service date in XX/XX/XXXX for {$510.00} & XX/XX/XXXX for {$1300.00}. Even the collection company DID NOT notify us, until i applied for Residential Re-Fi in XX/XX/XXXX/XX/XX/XXXX, and was turned down due to Collection status on my record. It was then I contacted XXXX XXXX XXXX who informed me that there was no Balance due and all payments had been received and the Balance on both charges was XXXX. Not having us notified at all by both companies has created sever personal/ emotional & financial harm. I thought that by law notifications are required. This is not fair and i need your help in taking appropriate action against both companies. Also, do I have a legal course of action available to me for harm done. Sincerely looking for your help.
05/28/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75044
Web
This company Credit Systems Intl is on my credit report twice for two separate medical bills that I do not recognize. On XX/XX/XXXX I sent them a dispute requesting that they validate the debt and prove that it belongs to me. As of today, I have never received anything from this company in writing providing proof that this debt belongs to me, nor did I receive anything prior to them placing it on my credit report. On XX/XX/XXXX, I notified the credit bureaus that had requested debt validation and that I had not received nothing, with the hopes that they would have the agency validate with me. At that time they opened a dispute and 48 hours later I was sent notification from XXXX hat the debt was updated as valid. I am asking for help because am wondering, how can a debt be deemed valid if I have never received validation, even after sending a request in writing. FCRA says if the debt is not validated within 30 days the bureaus must remove said debt and that is what I want done.
06/30/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77090
Web
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
11/21/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AL
  • 36116
Web
In late XX/XX/XXXX, I received alert about several hard inquiries on my credit report. I called all companies on my report at that time to report fraud and those hard inquiries have since been removed. Most of the accounts failed approval because they could not complete proper documents to get approval. Two days ago XX/XX/XXXX, I noticed a significant drop on my credit score provided with my credit card statement. It turns out this was secondary to a delinquent account with XXXX XXXX that was sent to collected via CREDIT SYSTEMS. Apparently an account USING MY SOCIAL was opened XX/XX/XXXX and closed in XXXX of XXXX. There is not a balance of {$360.00} unpaid. This was done in XXXX. TX, where I have never lived and where I have no family/associates. While looking at my experian credit report, I also noticed 4 hard inquires for which I am not responsible. One was with XXXX, one with XXXX XXXX, one with XXXX and one with XXXX. I did not apply for any of these accounts.
02/04/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75241
Web
I am the federally protected consumer and I am not being coerced by any third party or agency. I have new evidence of this companys willful noncompliance. As of XX/XX/2022 I requested validation of debt from company XXXX XXXX XXXX according with 15 USC 1692g, and I have proof this company did not adhere to all requirements of this subchapter. I am also aware that this company is not adhering to the Fair Credit Reporting Act as the banking system is dependent upon Fair & accurate credit reporting. Credit management system is reporting inaccurate information as the amounts shown in the debt validation is significantly less than the amount shown on the consumer reporting agencies. I am hereby enforcing my rights according with 15 usc 1681n, 15 usc 1692k as I have been damaged due to mental anguish of negative, inaccurate reporting and restricted use of credit. Due to the inaccuracies I have had to seek legal counsel which has also caused financial strain.
12/28/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78242
Web
I have good credit this item showed up on my credit report recently when my score dropped i checked my report and this item was on their opened XXXXXXXX XXXX for XXXX Direct energy never opened account been with current provider for XXXX years and believe this is an error on theirside. Collection Agency CREDIT SYSTEMS Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/2022 Original Amount Owed {$980.00} Amount {$980.00} Status Date XX/XX/2022 Status UNPAID Balance Date XX/XX/2022 Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification UTILITIES Last Payment Date Date of First Delinquency XX/XX/2022 i have no knowledge of this account and i never received and notification by mail or phone about this account if there sending anything its not to me, would like to resolve and remove this from my XXXX and XXXX not on my XXXX. i have disputed this item researched debt i can't find anything to support this claim.
06/17/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MT
  • 59405
Web
I spoke directly with XXXX XXXX and discovered that I had a collection out against me so I paid it right then and there. I spoke with the customer service lady and signed up for a payment plan to prevent any further issues. She stated that they report the information every couple of weeks to the debt collector so they can remove it from my credit report. I then went back to make a current monthly payment and expressed to her that it was still on my credit score and she suggested I wait a couple more weeks. It has now been several months. I disputed the information on my credit report and they are refusing to remove the debt. It is still showing on there as well as XXXX XXXX whom I have spoken with directly and they also are not valid collections. I would like to see these removed as soon as possible please. Thank you The company is Credit Systems Inc XXXX XXXX XXXX XXXX MT XXXX for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX
06/20/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OK
  • 73130
Web
The debt that this company is reporting is re-aged. According to the original creditor, the date the this debt first became delinquent is XXXX of XXXX. The collection agency has re-aged the debt on my credit report to show XXXX of XXXX as the first date of delinquency. This should have already fallen off of my report in XXXX of XXXX. I have informed the collection agency about my conversation with the original creditor and she told me that did n't matter. She received the debt in XXXX of XXXX and THAT is the date of delinquency according to her. This is a violation of the FCRA. Re-aging the account is illegal. A collection agency should be aware of this. I have disputed this with them and through the credit reporting agencies and they continue to refuse to remove this from my credit report. They are knowingly continuing to verify false information. Also, I paid this debt to the original creditor and they still refuse to even show it as paid.
05/18/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75089
Web Servicemember
This is the Third time I have had to deal with this debt collection company over medical bills. This company refuses to send me a written account of anything I May owe, so I could check with Medicare and verify correctly. Every time I call and remind them of this being against debt collection customer laws etc, all I get is Attitude from reps with no intent of fixing anything. I am thru trying to work with them, and as of this very moment my credit score has dropped XXXX point over accounts I were not even aware of. I was a XXXX patient at the XXXX XXXXXXXX, and was paying my deductibles and co-pays along the way working with my XXXX XXXX Medicare provider to keep account of bills I might owe, so this is totally against rules. I have not seen ANY bill statements from this debt collector as of today, and as far as I know all bills could be less than XXXX XXXX and therefore not qualify for reporting per New Reporting laws this year!
10/04/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 75154
Web
I called Credit Systems International to inform them that this debt was paid via my insurance company and I asked XXXX to provide me with the name of the Physician or Medical Facility that they were collecting on behalf of. XXXX stated that it was XXXX but she could n't give me the name. She also stated that it was their policy that she could not speak to me because I was speaking on my phone on a hands free ( through my car audio system ) device. I asked her to transfer me to someone who had more compassion about what I needed and she transferred me to a random voicemail. I called back and got XXXX again and she stated the call " Are you still calling on a speaker phone? '' She did not attempt to assist me nor did she provide me with the name of the company that she was collecting on behalf of. I had to hang up and call my insurance company and have them call her, but she continued to be rude and did not provide any information.
01/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 78148
Web Servicemember
XXXX XXXX popped up on my report on XXXX. I reached out to the company as I did not recognize this. I called and the woman I spoke to asked basic information. My name, phone number, etc. She then asked if I had any other names, said yes and gave my maiden name. She put me on hold and came back on, said she couldn't find anything. I said well it's on my credit report. She said, I understand and I even asked my supervisor to look and neither of us could find anything. It must be an error on your credit report. I told her thank you and she said to reach out to the credit bureaus. Credit Systems popped up on XXXX. Again not something I recognize and I immediately called XXXX and requested a fraud alert as this is the second item to pop up in less than 2 weeks. I was told an alert would be put on on three credit bureaus and I was transferred to the Fraud Dept. Was advised to complete a report on the FTC site.
01/06/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76116
Web
I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer, and natural person, have submitted a complaint, ( CFPB COMPLAINT CASE NUMBER:XXXX ), to XXXX XXXX of CREDIT SYSTEMS INTERNATIONAL, INC. on XX/XX/XXXX and have also submitted all documents through mail with certified mail receipt number of XXXX XXXX XXXX XXXX XXXX with an invoice attached with all of the documents. In the invoice, there is a due date listed on XX/XX/XXXX of {$1000.00} USD per violation listed and damages of {$18000.00} USD with a total of {$90000.00} USD. I was supposed to have received my check in the mail by the due date listed and no later than 3 days of the due date, a 1 % late fee per day would be assessed until it's paid in full. It is well past the due date and I still have not received my check in the mail per listed violation of my rights as a consumer.
07/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 077XX
Web
My credit report is reflecting a fraudulent address ad that is not associated nor has ever been associated with me. The inaccuracy in question is XXXX XXXX XXXX XXXX XXXX, TX XXXX. In addition, there is also 3 fraudulent debt collections that DO NOT belong to me, and are registered with this erroneous address that is associated with my credit reporting profile. These collections Account names that i am in no way familiar with are listed as : XXXX XXXX XXXX in the amount of {$1100.00} Credit Systems Intl In for the amount of {$1100.00} and XXXX XXXX XXXX for the amount of {$1100.00} I have never lived at any other address other than XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. And i should not have ANY collections or negative items on any of my credit reports. I will be reaching out to each of the reporting bureaus demanding this false information to be removed immediately as this is identity theft.
07/02/2018 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 760XX
Web
I was under that protective XXXX Credit reporting agency " XXXX XXXX '' which they contacted me by email that there was a change on my report, that ' when i seen all these little amounts of {$42.00} {$56.00} {$31.00} & so on which i have never received or had any out standing balances of those amounts.After gathering info on who filed that on my credit report, i found out it was Credit Systems International, the actual amount filed with them that i owe is {$190.00}, not these small increment amounts! They are filing false amounts to make it look like i have all this debt i owe. Credit Systems has made no attempt to contact me. I feel at the least that it is unethical & or guidelines or laws have been broken. Including the fact that XXXX is aware of this practice! The mailing address of Credit Systems International is : XXXX XXXX XXXX XXXX, Texas XXXX, their phone number is XXXX.
06/22/2023 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
  • TX
  • 75253
Web
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. The balance on my credit report is not the same balance I have with the original creditor. Furthermore, I was never sent correspondence notifying me that this account was sold to Credit Systems which is another violation along with HIPAA violations. According to the FDCPA Im entitled to XXXX dollars per violation. I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.
07/15/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 76040
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 CREDIT SYS INTL. 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. Please remove this collection from my credit report.
03/27/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AL
  • 352XX
Web
I have sent multiple letters to this company and the credit companies with no response more than 45 days later. I have tried to get this issue resolved but somehow have hit a stone wall due to the unresponsiveness of this company which has hurt me finically. I have never heard of this company before it was placed on my credit report I was not given a chance to dispute the alleged debt. I do not have any contract with this company I do not owe this debt I have sent out multiple to letters to have this debt validated it has been more then a month now approaching two I ask that this account be removed from my credit profiles as required by law. Also s a consumer my rights have been violated pursuant to 15 USC 1681b which states that my information should not be furnished unless in response to subpoena in connection with federal grand jury or written instructions.
04/02/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 352XX
Web
I would like for the company to provide me with the original promissory note or a certified copy of the original note of debt, a copy of the repayment schedule, a complete statement of payment history. As well as copies of all approved deferments and or requests for cancellation. I also ask that this company provide a copy of the notice of the effective date of acceleration and the total amount due. This company has not lawfully validated this debt before placing it on my consumer credit report and is actively participating in DEBT PARKING which is illegal and I will be referring this to the FTC as well please provide me with a trilateral contract. I would like for this company to provided certified receipt of debt, assignment of Debt, Validation of Debt and the method of verification of said debt or to delete the associated account from my credit profiles.
05/04/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 310XX
Web
Credit Systems Intl has added a collection to my credit profile which has severely damaged my credit since I have no collections on my credit report until yesterday. I closely monitor my credit due to identity theft and fraud. They are attempting to collect on a debt from a company called XXXX XXXX. I have disputed this in the past as not belonging to me and the company was unable to validate the debt so it was removed two years ago. Again this debt is not mine and I thought this was established. Furthermore I have received no communication from either Credit Systems or XXXX XXXX prior to to this damaging information being placed on my credit report. No phone call, no letter. No communication once so ever. I was not given my legal right to once again dispute this information and prove I do not owe this bill. This original date of deficiency is in 2011.
04/01/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75230
Web
Statement received from C $ I collection agency, stating I owed {$340.00} to XXXX XXXX XXXX XXXX Texas. I immediately sent a debt validation letter to the collection action on XX/XX/2022 and received a response letter dated XX/XX/2022. Inside the letter I received on XX/XX/2022, is nothing but a report from XXXX XXXX XXXX XXXX Texas, with a medical imaging name and procedure code and date and amount. This is on no office letter head or anything verifying XXXX department, this could be the Debt collector falsifying this paper for all I know. There is no other information showing me where this is my actual date, no signatures where I had this procedure, and any proof where I released this Credit agency to have ACCESS to my MEDICAL HISTORY or RECORDS, which this is in violation of HIIPAA. This is not my debt they say I owe, and I need this issue resolved
01/24/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 751XX
Web
So this company called Credit Systems put a {$39.00} dollar debt on my credit report saying I owe this debt. Kind of funny how this debt originated because never have I been notified that this was an active debt. I have never received a bill regarding this situation from the so called original creditor, and never was I notified by this Credit Systems Debt Collector that I owe this debt. This so called Debt Collector has sought and set-out to destroy my credit scores by throwing this debt on my XXXX Credit Report. I feel this is something that should be brought up to legistation and signed into law, that should prohibit debt collection companies to notify the consumer 30 days prior to reporting the debt to the credit bureaus. It should be illegal to do such a thing and this is something that I will even notify my State Representative to persue this
06/08/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AL
  • 36575
Web
I was notified by my credit monitoring service that a debt collection was added to my report. This is for a debt owed to an energy/gas company based out XXXX, TX called XXXX XXXX XXXX XXXX I contacted the company who would not speak to me about this without me providing my social security number. I then contacted the debt collection agency, Credit Systems, who then told me I must file a police report and send it to them. I live in a rural area who does not file reports for out of town fraud. A XXXX, TX address is now listed on my credit report as one of my addresses. I have never lived outside of my small area in Alabama and the energy company listed does not provide any services in this area. I do not have any affiliations in Texas. I have never received a phone call or written notification about a debt that is now on my credit report of {$540.00}.
02/27/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75149
Web
RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by Credit Systems on XX/XX/2022 and I have no recollection of doing any business with Credit Systems. I am in the process of contacting Credit Systems but no phone number is on the credit inquiry. I would like a detail report of who this company is and why the company chose to file on my credit report before calling me or sending me some type of notification regarding this negative reporting. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter
08/16/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 354XX
Web
I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney.
09/27/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • XXXXX
Web
This company called one day out of the blue, asking about an old utility bill for the city of XXXX XXXX. I had not lived in XXXX XXXX for 18 months and had no knowledge of this debt. I told the women that account was closed in good standing years ago with a deposit refunded and everything. The lady and I kept going back and forth and I kept saying it couldn't be my debt, could you send me paperwork so I could review the dates because havent lived there! She asked if I ever lived at the address in dispute. I answered yes. She immediately hung up and it was placed on my credit report. I never saw proof of debt or even a bill. This company broke the rules by not providing any paperwork with said debt and immediately attached it to my credit report even after I said it couldn't be my debt because I havent lived there since 2017.
12/23/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85031
Web
On XX/XX/2022 the utility company XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX send me to collection via this company XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX for a bill of {$970.00} that was not paid. I never lived the address where this account was opened and I never open this account. I contacted them about this charge and they acknowledge that was not mine. I disputed this with all 3 Credit Companies all of them removed this from my credit file back in XXXX. But this late payment keep showing up on my XXXX Credit report. This been happening for the pass couple months and I'm getting tired about this charge. I will appreciate that this charge be remove this from my credit file permanent. If not I'm planning to a begin with a legal action. Thank you.
12/15/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 20744
Web Older American, Servicemember
XXXX XX/XX/XXXX, {$340.00}. this is the action taken. I MOVED TO MARYLAND IN XXXX AND HAVE NOT BEEN BACK TO ALABAMA. This just pop up on my credit report. I do know that XXXX XXXX who lives at XXXX XXXX XXXX, XXXX Alabama have done Identity theft in my name using information she broke in my home in XXXX and stole my personal papers. I had to do a police report in XXXX for XXXX XXXX XXXX for cable and TV IDENTITY THEFT. This collection on my credit report just POP UP from space and if not corrected will remand on my report for 7 years due to no fault of my own I have been using XXXX FOR XXXX, XXXX FOR WATER, AND WASHINGTON GAS every since I moved to Maryland in XXXX and i have been provided service from theses companies without no interruption. I paid and cancelled all services in XXXX and have not been back since.
08/10/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85308
Web
Hello, I am filling a complain against credit systems international. on XX/XX/2020 XXXX XXXX reported to the credit systems collection that I do owe XXXX XXXX {$100.00}, I have been contesting this item for several years as it does not belong to me and should have been removed due to burden of proof. this past XXXX weeks I apply for a house mortgage and this effecting getting the loan, finally contact the collection and I told them that this not belong to me because I don't live in Alabama in XXXX and it does not belong to me, they asked me for proof which is I don't have since its not mine and she refused to remove it. Its been disputed with XXXX but they say It will take up to 30 days and I don't have this time because I am about to lose our chance to get the house me and my family wanted.
07/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75032
Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... CREDIT SYSTEMS INTL IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
11/17/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77073
Web
I discovered that this debt collection company named Credit Systems or Credit Systems International placed a collection on my credit report. It shows that the item posted on XXXX XXXX. The amount in question is {$120.00}. I disputed the item back in XXXX of XXXX and it came back verified in XX/XX/2023. I have never entered into a contract or written agreement with this company or the original creditor listed. I called the company in the beginning of XXXX and the representative stated that the call is being monitored and recorded and this is an attempt to collect the debt, then proceeded to ask for my personal information to verify if I had a debt on file, I disconnected the call. The representative called back and I requested that they do not contact me again without my permission.
12/16/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 76116
Web
I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer, and natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX XXXX XXXX XXXX XXXX
03/09/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 760XX
Web
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
01/04/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 766XX
Web
Account was paid in XX/XX/XXXX. Credit Systems International opened the account in XX/XX/XXXX. I paid this debt in XX/XX/XXXX. I applied for a credit card and I was denied because Credit Systems International began reporting the debt for the first time in XX/XX/XXXX. One year and 10 months after payment was made on the referenced account. Initial account was sent to Credit Systems International in error due to billing problem from the hospital back in XX/XX/XXXX. I was never aware I had an outstanding payment. The moment I was informed, I paid the bill. I called to inquire about negative reported item. I was told I owed an additional {$190.00} to stop the negative reporting. This is fraudulent and I was told in XX/XX/XXXX I owed {$170.00} which was paid in full.
09/25/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75134
Web
I became aware of this collect account upon reviewing my credit report I was never notified from the company about an owed balance. I did contact the creditor by certified mail to inquire how the debt was acquired and request proof that I was indeed the responsible party for the balance in question. In response to my letter I received a billing statement from Credit Systems International with a billing statement that included two charges ; {$8.00} transfer fee and also a {$6.00} transfer fee totaling the {$14.00}. Included in the the cover letter there is a doctor 's name that I have never been a patient of, I've had the same physician since I was a child. I hope that with this complaint I will be assisted with removing this false account from my credit report.
01/10/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75126
Web
Credit Systems International called me to say I owe XXXX XXXX {$670.00} for XXXX services. I have never used the aforementioned service and I do not understand what they are talking about. Besides that I have insurance and they would have advised me on if I really owed any one any medical bill. They called on a number which is XXXX which is a fraudulent number used by scammers. I checked Credit Systems International and they have a complete different number. When I asked them to give the number and address of the original people I owe they refused to give it to me. They have kept harassing me with letters and phone calls. They told me the company I owe from is XXXX XXXX but wouldn't give a number or an address. Please help me stop this harassment.
10/23/2017 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CO
  • 80134
Web
Credit Systems International out of Texas has the date of first delinquency of an old utility bill from XXXX XXXX of ours wrong. They it as XXXX when it is actually XXXX. I knew this had to be wrong since we moved from XXXX XXXX in XXXX of XXXX. I got a copy of the bill from the original creditor, XXXX of XXXX XXXX, and sent it to them to have them take it off my credit report since it should have fallen off in XXXX. They said XXXX was when it came to their office so that was the date they were using. I told them they had to use the date of first delinquency from the original debt and they said they could use whatever date they wanted and said that if I paid it now, they would delete it from my credit report, but otherwise it was staying on there.
06/06/2022 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
  • IL
  • 60640
Web
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. "
06/23/2022 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
  • 75080
Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
06/30/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85032
Web
I received an Alert on my Credit Monitoring Service on XX/XX/XXXX that my account was sent to collection for XXXX dollars from a XXXX XXXX and Credit Systems International Incorporation . In Texas Where I have never had a Residence. I contacted them as soon as the alert came through and spoke with a lady there who said if i believe this is fraudulent to file a dispute with my credit score provider otherwise there was nothing she could do. After Filing with XXXX they said the lender confirmed it was my account, Which as I've stated I've lived and have only lived as an adult in Arizona.Then XXXX said i could file a dispute with the FTC. So Here I am. I also have never received any Mail from this " collection agency or Energy company ''
01/20/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02301
Web
Good Afternoon ; I was actually shocked over the weekend to find a 2 new medical collections from CREDIT SYSTEMS ( XXXX XXXX XXXX XXXX ). I immediately contacted the company directly and spoke with XXXX XXXX and i gave her my full name, ssn, DOB ; and address - she said that she can not locate any file under my name. The strange part is that this account was reported on my credit over the weekend but it says that it was opened on XX/XX/2014, and the comment stated that the consumer dispute, and it's under re-investigation. How is that even possible? I never called until today. Just the fact that this is on my credit is in violation of both state and federal consumer laws under the provisions of HIPPA, FCRA, FDCPA, etc and much more.
08/01/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 75219
Web
I had a XXXX XXXX on XXXX XX/XX/XXXX. I got the injury treated by XXXX XXXX XXXX XXXX XXXX. When the bill came in for {$93.00} in XX/XX/XXXX I paid it right away. Since XX/XX/XXXX though, this company called Credit System International has been reporting this debt as delinquent. They never sent an initial letter saying that I owed a debt or received any communication from them whatsoever. I 'm trying to buy a house so I hope this does n't affect the credit decision. If it does, as this is the 3rd time I attempt to get this removed, I will sue them for breach of the Texas Debt Collection Act for lack of disclosure and initial letter, and under the Deceptive Trade Practices Act for deceptive practices for actual damages.
02/24/2023 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • XXXXX
Web
XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) performed XXXX on my wife in XX/XX/XXXX. We paid cash for the outstanding amount on the day of XXXX. On XX/XX/XXXX, I received a bill from XXXX stating that we still owned {$230.00}. This amount was paid on XX/XX/XXXX and I have proof of this from my bank- they cashed the check. I got a letter on XX/XX/XXXX from Credit Systems International on behalf of XXXX for another {$150.00}. I called the collection company who said that they received the {$230.00}, but there was still the outstanding amount of {$150.00}. So, XXXX never communicated with us- they went straight to a debt collection company which is really inappropriate and insulting because it implies that we refused to pay.
12/05/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60626
Web
I received a notification of a debt that went to collections for the company XXXX XXXX XXXX for {$660.00}. I called the collections company and they informed me that the account with XXXX XXXX XXXX was opened on XX/XX/XXXX and the service turned off on XX/XX/XXXX. They provided the account number and address of the service I supposedly owe and it is located in XXXX, XXXX. I am located in XXXX, XXXX and I have never lived ( or even visited ) XXXX. The mentioned company provides solar and wind energy to homes and I do not own a home, I am an apartment renter. Through one of my credit score providers, I also found out that my name is linked to 3 different addresses in XXXX, again, I have never resided in XXXX.
02/24/2023 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • XXXXX
Web
XXXX XXXX XXXX XXXX ( XXXX XXXX performed XXXX on my wife in XX/XX/XXXX. We paid cash for the outstanding amount on the day of XXXX. On XX/XX/XXXX, I received a bill from XXXX stating that we still owned {$230.00}. This amount was paid on XX/XX/XXXX and I have proof of this from my bank- they cashed the check. I got a letter on XX/XX/XXXX from Credit Systems International on behalf of XXXX for another {$150.00}. I called the collection company who said that they received the {$230.00}, but there was still the outstanding amount of {$150.00}. So, XXXX never communicated with us- they went straight to a debt collection company which is really inappropriate and insulting because it implies that we refused to pay.
12/01/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 761XX
Web
I have been disputing this for the past 8 months. Not one time has this company provided me with any type of information to verify this debt as belonging to me. They have stated in the disputes that they will provide the information. However they still have not. I filed a complaint most recently with the CFPB on XX/XX/XXXX complaint ID XXXX and the company responded again saying they will provide me with information. Again they have not. This is far past the time frame by law that this company has to respond and Im not sure why they are continued to behave this way and not remove this from my credit report. It is clear they can not provide this any type of information. Im hoping this will be the last dispute.
03/03/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76028
Web
On XX/XX/XXXX, a letter was sent via certified mail to Credit systems XXXX XXXX XXXX XXXX, TX XXXX. The letter had an estimated delivery date of XX/XX/XXXX. As of today, XX/XX/XXXX I havent received a response from Credit Systems. The Hippa Letter was just asking the collection agency to validate the alleged debt. In the letter I personally requested, the name of the hospital and medical provider with a detailed breakdown of the fees I owe. Please help to get a response from Credit systems, they are in violation of the FDCPA for withholding the information from the medical provider after my written request. Since Credit systems can not validate the debt I am requested it be deleted off my credit report.
08/20/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 95835
Web
Iam a victim of identity theft. A collection company named Credit Systems INTL Inc, has reported to XXXX and XXXX a Utility bill that I do not owe. The amount in collections is {$870.00} Fraudulent person used this address : XXXX XXXX XXXX XXXX, Texas XXXX Date opened account XX/XX/XXXX Collection Agency : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone Number ( XXXX ) XXXX Account # XXXX Date sent in collections XX/XX/XXXX XXXX reporting agency also reporting it on XXXX : Credit Systems XXXX XXXX XXXX XXXX, Texas XXXX Phone Number ( XXXX ) XXXX Original Creditor is XXXX XXXX XXXX Ph # XXXX XXXX XXXX used this account # XXXX Shut Off service on XX/XX/XXXX
07/21/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 76262
Web
I just received a notification from XXXX who monitors my credit and notified me of a new collection associated with my credit file. After making calls and following up with the credit bureaus it was confirmed this was an account opened in my name from when my identity was stolen back in XX/XX/2021. They opened an account with XXXX XXXX XXXX for an address in XXXX that I have nothing to do with. This {$540.00} debt was then passed along to Credit Systems International In. Once the debt collection was placed I found out and immediately reporting this as fraudulent. For reference i have attached the original affidavit of the idenitity theft that took place in XX/XX/2021.
10/03/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 78247
Web
I have full coverage insurance with XXXX XXXX XXXX of Texas and they have agreements with hospitals and the doctors that the hospitals contract with. I do not have any deductible that I need to pay, but XXXX XXXX XXXX has turned over a bill in the amount of {$27.00} to a collection agency I guess in spite, due to their irritation that XXXX XXXX had adjusted their bill in the amount that they had contractually agreed to do work for with them. They feel that their last and only way to get back at some one is to hurt my credit by putting it into collections against me for such a measly amount with CREDIT SYSTEMS INTERNATIONAL instead of just abiding by their agreements.
09/01/2023 No
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32962
Web
In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 15 U.S.C 1681 section 602. A States I have the rights 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. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
08/03/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75115
Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
09/18/2022 No
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75241
Web
Credit Systems is inaccurately reporting a debt on my XXXX Credit Bureau Report, in the amount of {$120.00}. I called to inquire about this debt and was told they are collecting for a medical bill. I told Credit Systems I do not owe any medical debt to anyone. I requested for Credit Systems to validate the debt belongs to me by providing me with document bearing my signature according to the Fair Debt Collection Practice Act. And I was told they do not have anything bearing my signature. I have repeatedly asked for evidence to support their reporting, but Credit Systems have failed to provide me with a copy of viable evidence to support their false claims.
10/01/2023 No
  • Debt collection
  • Telecommunications debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • WI
  • 53593
Web
I was notified by XXXX that my credit score dropped, that a debt collector was trying to collect {$430.00} from an energy company in XXXX, TX, in XX/XX/XXXX. This was the result of fraud. Someone has my social security number, address and other information and opened an account and didn't pay the bill. The fraud occurred roughly a year earlier in XXXX. I have never lived in Texas and have never opened an account with XXXX XXXX or authorized anyone to do so. I contacted XXXX XXXX to explain and they asked me to file a police report and send them the reference number. XXXX XXXX has this information. I have not heard anything from XXXX XXXX or XXXX since.
11/04/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76065
Web
CREDIT SYSTEMS INTL IN is reporting 4 accounts on my consumer credit report. I do not know who this company is. I have NEVER given written or verbal consent to anyone to pass my information along to this 3rd party company. I do not owe this company anything, I have never received any service from this company. Therefor. this company is furnishing unauthorized and inaccurate information on my credit report that would be resulting to identity theft. The 4 accounts that are being reported : Account number : XXXX XXXX {$63.00} Account number : XXXX XX/XX/15 - {$120.00} Account number : XXXX XXXX {$250.00} Account number : XXXX XX/XX/15 - {$170.00}
09/25/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75254
Web
I have received calls and letters from this collection agency threatening to take action against me if the debt in question is not paid by me. I have explained that this debt is not mine, that it is a result of identity theft and I have furnished the collection agency affidavits and other documentation in hopes that their collection efforts will cease. The last documentation I sent was sent to them via certified mail. This agency continues to harass me in attempts to collect a debt that is not owed. The credit reporting agencies have flagged my file with the appropriate documentation to reflect the identity theft fraud and so should the agency.
10/29/2020 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • 761XX
Web
Credit System International Inc went to calling and Harressing over and Medical Bill collection bill for XXXX XXXX on XX/XX/2020 for the amount of {$360.00} dollars inwhich my XXXX XXXX XXXX XXXX XXXX has denide the billing claim because their Creditor XXXX XXXX has summited the wrong name XXXX XXXX on the billing claim and sent it to Well Med instead of My health Provider XXXX XXXX XXXX verifying the spelling on the billing claim number XXXX. Inwhich my Legal Representative XXXX XXXX XXXX XXXX has proof of when they has sent Credit System International Inc and Legal Demand notice to settle Debt collection Harressment claim on XX/XX/2020.
05/31/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75216
Web
The account on my credit related to this company. I have mailed letters to have it removed without any response. HI, There are is an account showing on my credit report for XXXX XXXX Bank. The account number end XXXX. They are reporting to three credit bureaus. All of the information reporting is inconsistent between the 3 bureaus and I don't know about these accounts. I am not even able to get the full account numbers. My birth date is XX/XX/ to help them accurately remove the accounts from my credit. The company is in violation of the credit reporting act. This is predatory and I feel that I am being targeted with this account.
03/21/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 775XX
Web
I noticed this alleged deb is listed on my credit report. I have sent out a request by mail to have verification of this debt and called today XX/XX/19 and was told that they do not send out any communication regarding a debt and don't attempt to collect by contacting you. She said they just list it on your credit report and proceeded to ask how I would pay. I asked for verification to be sent to me about this alleged debt and advised I have sent my request via mail and she said thy do not send that information out. She only said that because it is on my credit report it is " pretty legitimate '' and how would I like to pay it.
02/08/2017 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 75204
Web
They do not have an email option or portal that functions to provide information and get verification. Their website has a consumer compliant link that is broken. I am a professional that works with clients from XXXX - XXXX in various time zones and ca n't use XXXX calls as a form of communication. I have left messages and tried their form to notify multiple times that they need to email me. They do not and will not verify what these charges are for. They also ask for an account number field on their website form fill and they do not have that on the statement they sent me only a record number not an account number of XXXX.
06/02/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 75025
Web Older American
Debt collector Credit Systems International , Inc. ( " CSI '' ) falsely reported to XXXX and XXXX that I have an unpaid medical bill. In fact, their client, Texas XXXX XXXX XXXX ( " XXXX '' ), was paid in full for the medical services and supplies that it provided to me, but XXXX fraudulently billed for the same supplies twice. I do not owe the amounts reflected in the XXXX-billing. However, instead of resolving the issue, XXXX hired CSI to collect on bogus charges. I have disputed these charges to all concerned, but CSI failed to respond to my letter and instead, placed negative information in my credit files at XXXX and XXXX.
08/13/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78259
Web
A certified letter was mailed to Credit Systems International on XX/XX/2020. The certified letter XXXX XXXX XXXX XXXX XXXX still has not been received by Credit Systems International as it is still showing in transit even though it was mailed from XXXX XXXX, Texas and being delivered to XXXX XXXX, Texas. The address that is located on the credit report is the same address that is listed on the certified receipt ; therefore, unsure of why the package has not been delivered. Regardless, I need documentation to support that this debt belongs to me as I had no prior knowledge of this debt prior to receiving my credit reports.
03/08/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 751XX
Web
CREDIT SYSTEM INTERNATIONAL CLAIMS I OWE A {$39.00} DEBT Date Date Created : XX/XX/XXXX Date Debt/Collection : XX/XX/XXXX Amount of Debt : {$39.00} I ask the Debt Collection Company to properly investigate this debt and they have refused to do so which is in direct violation of the fair debt collection laws. If this company does not accept my dispute request then I will file a complaint with the FTC and the Attorney General 's Office of Texas. I am told by this Debt Collection Company that this Debt is in favor of XXXX XXXX XXXX XXXX. I'm not sure how this debt was created but this debt was not created by me.
05/01/2018 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 76105
Web Servicemember
I called the debt collector to figure out what was the amount of debt in my account but did not match what I am currently seeing under XXXX XXXX. They argued that I will have to pay the amount they are showing regardless and I refused because under FDCPA Section 807 ( 2 ) they Misrepresenting the character amount, or legal status of the debt. I asked for my account # because I wanted to start a dispute using XXXX XXXX and they question me on why I needed it with an attitude. The debt collector then said " I make sure to put the new debt on your credit report so you have no other choice other than to pay it.
06/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75028
Web
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
06/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76039
Web
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
06/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75115
Web
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
05/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76107
Web
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
04/05/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 76036
Web
I disputed the debt from Credit Systems and it was deleted from my XXXX credit report in XX/XX/2016. I noticed that in XX/XX/XXXX this same inaccuracy was reporting on my XXXX report as well. Which should had been removed from my credit report back in XX/XX/XXXX. I disputed the debt on my XXXX report and provided the documentation proving it was removed from my XXXX report back in XX/XX/2016. However, instead of Credit Systems removing the inaccuracy from my report, they put it back on XXXX report and showed that the debt had been in collections for 14 months dropping my score by XXXX points.
08/09/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • TX
  • 77433
Web
2014 I was the victim of identify theft, and a police report was filed and sent via certified mail to the XXXX credit bureaus, XXXX and XXXX XXXX XXXX. It was taken off my credit report. Now, 2 years later, XXXX XXXX has sold the account to Credit Systems International, who has reported it on my credit reports. They are unhelpful and XXXX XXXX is saying that I have to file an FTC report, with police report, etc. again and send it to them before they can do anything ; when in fact they have all this information from 2 years ago, and erroneously sold the account to Credit Systems International.
02/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75241
Web
I am the federally protected consumer. I am not being coerced by any third party agency. I have more evidence in regards to this company 's willful negligence. I am aware they are attempting to collect on behalf of someone else, however, this company is furnishing inaccurate information furthermore violating my federally protected rights as I never gave permission to them directly to furnish anything to my consumer report. They are also furnishing transactions and history between a creditor and I, which, according to law should be excluded from consumer reports. This company is a VIOLATOR!
05/29/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75253
Web
This collection agency is reporting that I owe a debt, but I never had an obligation with this company. Please send me the forward flow agreement as I have this right as a consumer. I will also like a copy of the contract bearing my signature as well as a copy of my proof of identity. Also, this account was added to my report within the last 30 days and I was not mailed anything prior informing me of this. Please attach the letter that was mailed to me. If you can not furnish the information requested remove the following account from my credit report immediately : XXXX XXXX XXXX In XXXX
11/18/2022 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
  • CA
  • 92841
Web
Credit Systems Int. is reporting inaccuracies to XXXX and XXXX. One example is that they are reporting Date Last Active as XX/XX/2022 ... .I have never been active on this account. I have never signed a contract with this company or owed this company one cent. I would like for you to investigate this matter. I need validation of debt, and I need legal documentation with my signature stating I owe Credit Systes and the exact amount. I am going to file a complaint with the state attorneys office for violation of the FCRA and FDCPA if they don't remove it by next week. Thank you in advance.
11/17/2021 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 78681
Web
Credit Systems International is trying to collect a debt for XXXX XXXX and XXXX, however, XXXX told me that if I stayed on payment plans, which I am, that I would never be sent to collections. XXXX lied which is a violation of the Texas Deceptive Trade Act, Consumer Protection Act. With that being said, this debt should not be in collections. Furthermore, XXXX has never given me any notice that there was a problem or change to my payment plan. I'm also being charged for a {$200.00} test that was not completed for me and is an error in billing, but XXXX refuses to assist when I call.
02/09/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 75219
Web
On XX/XX/2016 I went to the doctor for a XXXX. The doctor XXXX. One of those XXXX caused a bill for {$93.00}. I paid the bill a week after receiving it through mail, on XX/XX/2016. I 'm attaching the check that I sent to the company and that was cashed by the company on XXXX. Surprisingly, since XX/XX/XXXX I 've been reported every single month past due, including XX/XX/XXXX, month which the bill was incurred!!!! I would like the trade line deleted and a confirmation letter from the company that such action has been taken and communicated to all XXXX credit reporting agencies. Thanks.
10/31/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • XXXXX
Web
On XXXX, CREDIT SYSTEMS added a derogatory remark to my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the debt. Debtor 's creditor did not verify this information. Also, there was NO written form of communication, contrast, or signature for the account debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, CREDIT SYSTEMS has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.
08/07/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • TX
  • 76131
Web
TO WHOM IT MAY CONCERN-THIS ACCOUNTIS REPORTING AS OPEN AND PAST DUE THAT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER XXXX BANKRUPTCY LAWS. ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER XXXX PAY SCHEDULE OF CREDITORS
08/07/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • TX
  • 76131
Web
TO WHOM IT MAY CONCERN-THIS ACCOUNTIS REPORTING AS OPEN AND PAST DUE THAT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER XXXX BANKRUPTCY LAWS. ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER XXXX PAY SCHEDULE OF CREDITORS
05/06/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NM
  • 88011
Web Older American
On XX/XX/2023 I received an alert through XXXX, that on XXXX XXXX, it was reported that I had an outstanding balance of {$800.00} to Credit Systems, XXXX XXXX XXXX, XXXX, Texas XXXX on my XXXX report. I then proceeded to call Credit Systems, XXXX. I told them I was a victim of Identity theft. The date was XXXX XXXX XXXX XXXX. This was to XXXX XXXX XXXX. The service was provided at XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, Texas XXXX. I was a victim of identity theft around the same time last year that this account was opened. They told me to make a report through the FTC.
01/11/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75081
Web
My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XX/XX/XXXX Address is XXXX XXXX XXXX XXXX tx XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine.
08/02/2017 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • XXXXX
Web
This debt has been re-aged and is illegal under the FDCPA and the FCRA. This is is illegal under the FDCPA and the FCRA. I did not have any procedure done in XX/XX/XXXX . The procedure was completed XX/XX/XXXX , which is passed the statute of limitations in Texas and uncollectable at this time. This collection agency is reporting on my credit report. I do n't have any executed contract with a collection agency and did not owe them anything. Due to HIPPA regulations, I did not provide any of my doctors to share any of my information with a collection agency.
02/20/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 751XX
Web
This is my second complaint about this company. I have noticed that Credit Systems International is currently reporting that i own a debt that has not yet been verified/validated. As before i sent a written noticed to the company listed above on XX/XX/2019. The letter was signed and received on XX/XX/2019. I have yet to receive any verifiable documentation from the Credit Systems International. I also disputed this with XXXX and XXXX. the item was deleted from my XXXX credit report on XX/XX/19 because the debt could not be verified/validated.
09/18/2019 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • 76209
Web Older American
The following collection agency has repeatedly contacted me about a paid debt of {$72.00} for XXXX XXXX with XXXX XXXX XXXX XXXX. My confirmation number for the payment to the creditor is XXXX. In addition, the collection agency has reported me to XXXX Credit Reporting service ( and maybe others ) as having a collection account. I have disputed the reported item with XXXX, but the collection agency keeps responding to my disputes that the bill is outstanding. This is inaccurate and unfair information and the collection agency refuses to let it go.
09/26/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AL
  • 35630
Web
I had an outstanding balance with XXXX XXXX XXXX XXXX XXXX XXXX of {$210.00} when I moved from XXXX to XXXX, XXXX. I forgot about the bill but never knew it went to collections. It appeared on my XXXX report and has caused detrimental damage to my credit score that has caused me hardship. I would like to pay the full amount but feel that the collection agency which is credit systems international based in XXXX XXXX, XXXX should remove the derogatory information from my credit reports. I never got any Communication in the mail from them.
07/22/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75159
Web
Sent a debt validation letter via certified letter on XX/XX/XXXX requesting proof of debt, the original bill and proof they are authorized to collect on the debt. I received a response that they were unable to locate an account for me. I sent my second debt validation letter via certified mail on XX/XX/XXXX. I have never received a response from Credit Systems. This is currently still reporting as of XX/XX/XXXX. They replied to the credit bureau that the debt is verified but have yet to respond to my reasonable request for validation.
06/06/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 78526
Web
I received notification that XXXX medical collection accounts had been added to my credit file. I investigated the collection accounts with the credit bureaus and the collection agencies and found out that a mistake had been made and another person with the same name had XXXX medical collection account and had been mistakenly added to my credit file. During this conflict, I was trying to close a mortgage loan and because of this mistake, my closing date has been delayed and I have incurred additional fees to try and clear this up.
03/24/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 770XX
Web
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT! I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
03/02/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NJ
  • 074XX
Web
I have filed multiple times that I do not nor have I have had XXXX XXXX XXXX which is based in XXXX Texas. This company dies not operate in New Jersey. This is the state I have lived in for my entire life. I do not have any solar panels nor do I have any business with this company. No bills have ever been sent to my house. This is not mine. I have filed this 3 times this past year. I have amazing credit because I work hard to pay all my bills on time. This company is not a legitimate company. This {$280.00} bill is not mine.
04/07/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78240
Web
I have had a lot of identity theft between my mom and my aunt. I have recently in the past few years tried to clean up some of the mess. I recently learned about credit. they have both done it to me and my sister. tried contacting company but they don't want to help me with situation. Saying things like why I couldn't get the money from them since they were family. one my mom XXXX 3 years ago and two they should have never let someone 20 years older than said person sis number. it is stopping me from getting a mortgage.
01/16/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78210
Web
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Credit Systems International Inc and I requested a validation on the same date. On XX/XX/XXXX as no response had been received and the account continues to reflect on my credit report and does not reflect that the account is being disputed.Based on their failure to validate this account adequately and despite my dispute, this account is still reflected on my credit profile and continues to negatively affect me.
05/27/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75126
Web
Credit System International located in XXXX Texas has reported 6 medical collections on my XXXX credit report and after several attempts to have them removed because 1. They do not belong to me, 2. They have violated my HIPPA rights according to the FRC law, and 3. I didnt give permissible to Propath if I did owe these debt which I dont to sell my information which is HIPPA to a collection agency. I have asked and now I have filed a suit complaint because they will not remove from my consumer bureau.
07/30/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 77459
Web
Credit Systems International is attempting to collect a debt of XXXX, when the documentation they sent to me shows a credit balance of XXXX. When I call them, they say that I must be misreading the statement, which I am not. Apparently they are looking for the file, but continue to assure me that I owe the money. The last person also stated that they will now do their " due diligence '', which, of course, should have been done BEFORE they attempted to collect anything in the first place.
09/26/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76132
Web
Charges were placed on my credit report stating I owed a certain amount in medical bills dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I reached out to the original provider to let them know of the inaccuracy. I have dual coverage and it seems that they were only filing it to my primary insurance only. They stated that they will refile the debt to both insurance companies. This has not been done and has since remained on my credit. I do not owe this.
07/09/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30043
Web
Credit Systems international Date : XX/XX/XXXX- {$310.00} XX/XX/XXXX- {$33.00} I have disputed this account with the company and the credit reports several times. The XX/XX/XXXX for {$310.00} has been removed several times and added with different dates and/or amounts. The XX/XX/XXXX was added and deleted several years ago, due to the creditor not being able to verify the account. I have sent the company a debt verification letter to verify the account, the company has not responded.
11/14/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75287
Web
While reviewing a copy my credit report, I discovered that Credit Systems International Inc has reported a collection on my credit report. I do not have any knowledge of an account with Credit Systems International Inc or any company they may be collecting for. Credit Systems International Inc has not contacted me by phone or mail, nor have I received a 30 day dispute letter. They are reporting a debt of {$30.00} and have failed to notify me of the debt or verify if it is accurate.
08/07/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TN
  • 37716
Web
My XXXX Credit report states that I have a debt collection that was paid for by my insurance that I had when I was working. I had a XXXX XXXX in XX/XX/XXXX. My insurance paid these claims, and I became homeless in XXXX XXXX until XXXX XXXX. I could no longer pay rent and lost my home. I no longer have the paperwork that provides the proof that this debt was paid, because I was living out of my car. I no longer have any vehicle, I am XXXX and I have no way of providing the proof.
07/23/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75219
Web
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
02/23/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IA
  • 507XX
Web
Credit Systems Intl In, is furnishing my personal private information to third party agencies with my written consent which is a direct violation of 15 usc 1681b ( 2 ). By reporting this, they have severely damaged my reputation and have and continue to infringe upon my right to privacy as a federally protected consumer. I also have no contract with this company. Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.
08/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 76132
Web
I talk to a unknown representative around XX/XX/2019. She refused to confirm name and why she was reported negative accounts on my credit bureau report when her company is not bonding to collect debt in the state of Texas. The unknown person hung up when I advised her that she was illegally reporting a debt on my credit bureau report. This company in questioned named Credit System has 3 different accounts on my credit and they're not legally bonded to collect debt in Texas.
06/18/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75002
Web
I have become a victim of identity theft and due to the recent breaches with XXXX and XXXX my credit card numbers used, people have taken utility bills out in my name as well as apartments in my credit have tanked. I keep seeing loan inquiries, bank inquiries and utility billing worries on my credit report and I need blocker put on there immediately to keep this mayhem from going any further. We have contacted the local authorities file reports as well as contacted the FTC
09/15/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CO
  • 80134
Web
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , CO Account no : XXXX dates of service : XX/XX/23 and XX/XX/23 total due : {$840.00} Insurance Details : XXXX XXXX XXXX Member ID : XXXX Group no:XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , UT XXXX. Issue is, the physician never sent the correct details to my insurance to be processed and now they sent the bill to debt collection agency. this will negatively effect our credit and a bad image on our part. There is a pending claim no XXXX
10/20/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • AR
  • 72116
Web
credit systems has ruined my credit history, it prevented me from getting approved for home loan due to multiple agencies keep collecting and selling the same debt to other debts collector agencies making it look like i have more debt than i actually do, i already paid what i owe the XXXX $ .XXXX that has sold my original account to multiple agencies collecting the same debt.it stills shows on my credit history and my wife as well even when i paid off my original debt.
02/23/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 751XX
Web
XXXX XXXX XXXX CLAIMS I OWE A {$39.00} DEBT Date Date Created : XX/XX/2014 Date Debt/Collection : XX/XX/2014 Amount of Debt : {$39.00} I am told by this Debt Collection Company that this Debt is in favor of XXXX XXXX XXXX XXXX. I'm not sure how this debt was created but this debt was not created by me. I have been a victim if identity theft and this is not my debt. I have lived in XXXX for the last XXXX. I ask that XXXX XXXX XXXX release this debt and clear my name
01/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75214
Web
Hi, I've tried to fix this false reporting with XXXX last month and they didn't update the late payment/debt collection I had. I need this late payment that is being reporting on XX/XX/2022 to be update I was never late. I have attached the letter I sent them, and they have no proof of this error they are reporting. This has dramatically affected my life and has me getting denied for cars and apartments. Which has me homeless and car less. I need this fixed ASAP.
08/08/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TN
  • 37716
Web
On my XXXX credit report states that I have accounts in collection that have been paid by insurance that I had when I was working. I no longer work for that company and I became homeless and was living out of my car from XXXX 2015 until XXXX 2015. I do not have the paperwork anymore because of living in the car. XXXX has removed the ones that XXXX still has n't removed and I would like to have them removed as I no longer owe them and the account is paid in full.
02/11/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • TX
  • 78109
Web
I was a victim of identity theft and noticed a collection from Credit Systems Intl 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 Systems Intl in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
12/16/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • TX
  • 76112
Web
I was a victim of identity theft and noticed a collection from CREDIT SYSTEMS INTL 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 SYSTEMS INTL in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
11/22/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • TX
  • 76134
Web
I was a victim of identity theft and noticed a collection from Credit Systems Intl 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 systems Intl in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
11/20/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • TX
  • 775XX
Web Servicemember
I was a victim of identity theft and noticed a collection from CREDIT SYSTEMS INTL 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 SYSTEMS INTL in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
05/31/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 076XX
Web
On XX/XX/2022, Credit Systems Inc. IN reported a collections account to XXXX. This account was a XXXX XXXX utility bill from Texas. I have never opened accounts or lived in Texas. Not this account is posted as being a collection account, destroying my credit. I have contacted XXXX and XXXX XXXX, reporting my stolen identity/social security #. XXXX XXXX XXXX XXXX {$540.00} Acct. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Texas XXXX XXXX XXXX XXXX
08/24/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 751XX
Web
This Debt Collection Company called Credit Systems continues to hound me for {$39.00} dollar debt that I know for a fact is not mine. I did not receive any medical attention back in 2014 at all and they claim that I owe this bill. I feel this company is out to damage my reputation and my credit score and report. I will not accept this debt as mine unless the debt company can validate that this is indeed my debt because in my defense this is not my debt
05/27/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75217
Web
I have disputed this account myself after seeing it on my credit file with nothing received nor a single response back. I was never informed or given the opportunity to dispute this before it appeared on my credit file which is wrong. I DO NOT OWE this company anything nor do I have an outstanding debt. Please help Account info Account name CREDIT SYSTEMS INTL IN Account number XXXX Date opened XX/XX/2016 Account status - Status updated XX/XX/2016 2016
07/29/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75243
Web
Credit Systems placed 3 collection accounts on my credit report XXXX in to the amount of {$36.00}, XX/XX/2020 in the amount of {$36.00} and on XX/XX/2020 in the amount of XXXX this is not mine debt Credit Systems didn't tell me or disclose that under contract law I don't have to do business with them. I feel that Credit Systems are attempting to extort money out of me at a time when I have been affected by Natural or Declared Disaster ( e.g. Covid 19 )
11/11/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33145
Web
For 2 and a half years since 2015 I received calls with threats from this company which include damage my credit. They claim I owe {$530.00} to XXXX XXXX XXXX XXXX. Which I never have been to. I called this XXXX and they didnt have a record of me there. Now this XXXX XXXX XXXX have reported me to XXXX and it has impacted my credit negatively. I am tired of their abuse and I would like for them to take the negative mark from my credit report.
06/04/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 77091
Web
I do not know anything about this debt. I have not received anything in the mail concerning this debt therefore I have not been able to verify anything about it. It just showed up on my credit reports claiming to have begun on XX/XX/2022. This company has violated my rights as described in the Fair Credit Reporting Act by not allowing me the 30 days allotted to dispute this debt before reporting the debt to the credit reporting agencies.
04/17/2022 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • TX
  • 75231
Web
In accordance with the Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Credit systems There are 6 accounts with this collection agency 15 U.S.C. 1681 section 602 A. States I have to privacy. 15 U.S.C. 1681 Section 604 A Section XXXX : it also states a consumer reporting agency can not furnish a account without my written consent.
05/31/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AZ
  • 85340
Web Servicemember
XXXX XXXX XXXX consumer report alerted me that a company called XXXX XXXX XXXX reported a collection account on my credit report. A representative of XXXX XXXX XXXX said services were taken in XX/XX/XXXX and ended XX/XX/XXXX. Again I do not live in the great state of Texas. This fraud and identity theft caused a negative mark on my credit report and my standing in the community. I have notified XXXX and XXXX XXXX XXXX.
10/18/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AL
  • 35630
Web
I have sent one complaint about this company and it was not resolved to my satisfaction. I will pay the debt but due to the fact I have never received any notice of the debt or any reciept in the mail for my first payment. I am sending my next payment in a few days and wonder if I will get a reciept in the mail as well. I believe that the company should remove the collection info from my XXXX credit report immediately.
09/12/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • XXXXX
Web Older American
This is a debt happened 20 years ago.It 's a ( Zombie Debt, Credit Systems re-aging the debt saying it was opened in XX/XX/2012 ) it was opened 20 years. It been with multiple collections Agencies. This is a ( Stature Barred debt as well ) It exceed the State Of Texas debt collections laws which is 4 years limitation. Their violating the ( FCRA ) Laws.I contact the original creditor doesn't have a account on file.
09/25/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 766XX
Web
Credti Systems International , INC has reported to all 3 credit burrows that I owe {$1200.00} from XXXX XXXXXXXX. I do not owe this amount, as XXXX XXXXXXXX did not process this medical claim correctly and the insurance denied payment, and per the EOB, states that I owe XXXX dollars on this amount. I have attempted to get this corrected with this collection agency and XXXX XXXXXXXX but no success. Acct # XXXX
05/13/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75232
Web
XXXX XXXX : XXXX XXXX Account XXXX. : XXXX XXXX : {$480.00} I have disputed this entry for XXXX XXXX XXXX for several months. I have repeatedly asked them to send me a copy of the signed, exclusive contract between XXXX XXXX XXXX and myself for repayment. To this day, I have not received a response. I've sent correspondence XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
12/01/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 766XX
Web
XXXX XXXX XXXX XXXX XXXX XXXX extended electrical service to someone using my stolen social security number only. No photo ID was required. When the bill was not paid, they turned me over to XXXX XXXX came after me and wrecked my credit causing me considerable harm and damages. It has been a full time job to correct this mess due to their negligence and failure to confirm identity before extending credit.
07/01/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78413
Web
I have disputed this debt numerous times for validation, and keep receiving updates as it has been validated but no proof. There is no signature, no contract, no proof of the bill, and no validation of the debt. There are two accounts from credit systems intl on my credit showing opened in XXXX for a utility bill, however I was not in that city in XXXX I was living across the state from XXXX.
10/09/2018 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Called before 8am or after 9pm
  • TX
  • 75149
Web
I was notified from the credit reporting agency that a medical bill is owed. I have sent several disputing this debt, that I have always had insurance to provide to any hospitals & the bill is not mines. Also, this is a party that is trying to collect a debt on confidential information concerning my health. I do not know how this company receive my information and may have violated HIPPA LAW.
07/23/2018 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
  • 76135
Web
The following accounts have reappeared on my XXXX Credit Report : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX for XXXX These accounts are being reported by Credit Systems Intl after being removed 14 months ago. They were satisfied, however Credit Systems continue to post and remove at their leisure.
02/07/2017 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 75160
Web
On or about XX/XX/2016 I sent a letter to creditor requesting information regarding the alleged debt ( originator, amount, authorization, etc. ) on XX/XX/2016 I received a letter from creditor stating they could not locate my account. I have since then contacted the credit bureaus requesting the same information with no results. I am attaching the letter I received from the debt collector.
08/14/2015 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • TX
  • 752XX
Web
company has called my cell phone number several times looking for someone else ( XXXX XXXX ). They refuse to remove my number from their system. When I told them it was illegal in Texas to call a person 's cell phone without express consent, they just said it is not illegal to call a wrong number, and then hung up on me while refusing to provide her name, the company name, or an address.
11/08/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MT
  • 59601
Web
I RECEIVED A NOTIFICATION ON MY XXXX CREDIT REPORT FROM CREDIT SYSTEMS, WHEN I GOT A COPY IT INDICATED IT WAS FROM " CREDIT SYSTEMS '' FROM XXXX XXXX XXXX IN THE AMOUNT OF {$25.00}. CREDIT SYSTEMS HAS MY CURRENT ADDRESS ON FILE AND I DID NOT RECEIVE ANY NOTIFICATION ABOUT THIS DEBIT, IF SO I WOULD HAVE PAID IT IMMEDIATELY THIS COMPANY MADE NO ATTEMPT TO SEND ME A COPY OF SAID DEBT
12/14/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 31015
Web
Creditor is reporting accounts that are invalid and unverified. XXXX and 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.
12/11/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 75150
Web
Well I wrote a debt Validation and I di not receive a response according to the Fair Debt Collections Act and the fair credit reporting act. I ask them for a validation and if they did n't send the proper documents to contact the reporting agencies to remove it. I did not receive any response it has been over 30 days. I believe this is highly unfair and want something done about it.
03/17/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76119
Web
Attached you will find the original complaint against debt collector for violating my HIPPA rights. Company wrote a statement that they would remove accounts off my credit report. Company removed 10 of the accounts and left five more accounts my credit reports that I would like removed immediately based on the word in attached complain of company and for violating my HIPPA rights.
05/02/2019 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
  • TX
  • 75038
Web
Does not give enough evidence of original debt, unable to verify consent to open account, did not show proof of Authorization or Agreement to purchase, pay for, merchandise or services. failure to investigate authenticity orginal debt, failed to provide information regarding orginal debtor information and creditor. Refusal to remove inaccuracies negative Mark 's on credit reports.
08/24/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90650
Web
I was a victim of identity theft earlier this year and already disputed some charges with XXXX due to new open accounts under my name. I thought everything was cleared up but I checked today and I have this new account pending saying im under collections since XXXX but I never signed up for anything. The company is registered in XXXX and I live in XXXX so it does not make sense.
05/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • TX
  • 766XX
Web Servicemember
I contacted XXXX Monday XX/XX/XXXX about an address on my report that I never lived at.I was told that they couldn't delete the address because a creditor said I had a delinquent account from that address.I asked how was my information verified and she told me the law says they don't have to verify information anymore and I should file a police report and contact the creditor.
04/15/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78641
Web
This company XXXX XXXX XXXX is trying to collect a debt of {$500.00}, I called them and I called my insurance, both sides told me the hospital didnt do their part and didnt sent the right paperwork for my insurance to paid it. And now they are trying to charged me something I did no owed, it was their job to send my insurance the right paper work and they still havent done it.
07/31/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75234
Web
This account does not belong to me as this is a result of identity theft which has been reported already. I do not recognize this merchant nor have I ever done business with this merchant. I keep getting harassing calls from this Merchant or debt collector. The debt collector did not also follow the lawful process of sending formal mail to my address before initialing calls.
10/20/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 08085
Web
XX/XX/2022 they collections account was a result of identity theft. Both original creditor, XXXX XXXX, and collection agency, XXXX XXXX XXXX XXXX XXXX, both closed my account with non-monetary relief after my complaint for the collection account in the amount of {$800.00}. It is now reporting to the credit bureaus with a new collection agency, Credit System International.
08/23/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75126
Web
This collection appeared on my credit fir the third time same company but instead of LLC at the end of their name. This debt was removed because they violated HIPPA but they keep continuing putting it on my credit. I am filing lawsuit against this company because this is the third time I have complained about them putting this collection on my credit dropping my score.
01/30/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76119
Web
Credit systems international has mailed out over 30 pages of documents that contain my medical records, diagnosis codes, procedures and more. This company failed to supply a release form with my signature that gave permission for them to access my medical records. They did not supply a HIPPA release form that gave this collection agency access to my medical records.
05/14/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75180
Web
I received a notification today that a collection was added to my credit report in the amount of {$84.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!
05/14/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75180
Web
I received a notification today that a collection was added to my credit report in the amount of {$66.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!
07/11/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 751XX
Web
While checking my credit score this month I noticed for the first time on my credit report I had a negative item. When I looked it says it was a collection item from XX/XX/2012 that I never knew I even owed. I have perfect credit score with no negative items on my credit. I never once received any notice, call or communication stating I owed this debt.
04/20/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77459
Web Older American
I had my credit ran and found out that a fraudulent account was opened in my name. under FCRA 605B ( 15U.S.C. 1681c-2, this information is to be blocked from my report. I have filed a police report and contacted the original creditor. This informatin needs to be removed and blocked within 4 days. Documents Provided FTC Report Police Report Furnishing
03/08/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75211
Web
I just received a notification alert via XXXX that a medical bill is in Collection status, and I now have a derogatory mark on my credit report. I have not received any type of invoice or email concerning the bill, as I believe I paid all medical bills in full. Amount : {$120.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX
10/03/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • TX
  • 76179
Web
this account was included in a chapter XXXX case # XXXX which was converted to Chapter XXXX case # XXXX in which all outstanding debt including medical bills to CREDIT SYSTEMS. This account has already been disputed once and removed. I am in the processing of purchasing and has now effected my credit score. I want this item removed immediately
10/26/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 761XX
Web
I have filed 4 separate disputes starting on XX/XX/19 again on XX/XX/19, XX/XX/19 and XX/XX/19 with XXXX regarding this account that is from a debt collector credit systems. I have asked for written information regarding the account and have not received any thing from either XXXX nor credit systems. Action has been taken only by myself.
10/30/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75238
Web
An entry on my credit report shows a collection account from Credit Systems Intl for their client XXXX XXXX XXXX XXXX Texas regarding a bill of {$360.00} that was supposedly from 2017. Any billing as such should have been paid by my insurance if they even billed it. I sent a dispute at least 2 months and ever received a response at all.
04/11/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • TX
  • 76179
Web Servicemember
this debt was included in a chapter XXXX BK XXXX filed XXXX/XXXX/2016 this the collections company was already notified and continued collection practices are being made by the creditor. this accoutn should be removed from my credit report and all collections efforts should cease. There are XXXX accounts with this collection agency
07/10/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77065
Web
I recently checked my credit report I came a cross a collection agency named Credit system. I 've reached out to Credit system. Credit system have no VALIDATION I have not signed anything with credit system ... I need VALIDATION NOT VERIFICATION. If this matter is not resolved and deleted I will be filing a complaint with the BBB.
12/15/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 775XX
Web
Credit Systems the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
10/18/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • MD
  • 21215
Web
I pulled my credit report and noticed that Credit System was reporting on my credit report, I never received an early warning notice, I sent a notice to them letting them know that I never received an early warning notice and how can they place it on my credit report, no response, they just continue reporting on my credit report
12/14/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OK
  • 748XX
Web
I terminated trash service before I moved but unknown to me they kept billing for the service and then turned it over to a collection agency that has reported it the Equifax. Calling the agency was rather confusing. They wo n't take the {$92.00} because i say I do n't owe it and they wo n't remove the credit line item either.
11/21/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75238
Web
The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from this company has no right to collect in my state. This company does not have a license, permit or permission to collect in my state via 58-70-1. Permit from XXXX XXXX XXXX ; penalty for violation ; exception.
03/11/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 782XX
Web
Credit Systems international has continued to report false and inaacurate information on all three of my credit reports. They have been unable to validate the debt but continue to report this false information. I will be filing criminal charges against them as well as seeking legal remedies for conspiracy to commit fraud.
10/28/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • TX
  • 785XX
Web
My wife has a bill from XXXX for {$5800.00}. She has been paying the bill {$870.00} in XX/XX/XXXX, {$980.00} in XX/XX/XXXX, and {$980.00} in XX/XX/XXXX. This morning She received a letter from Credit Systems International that they have the account now and what total payment of the bill. Is this legal in the State of Texas
10/22/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 79603
Web
Continuation of complaint XXXX that was n't further processed. CSI calls for unowed debts and does not abide by the do-not-call list for new owners of a phone number. Also, when the number is called back the CSI rep hangs up. Eight days later when called back a rep answered verbally and stopped talking -- unresponsive.
07/11/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 75149
Web
On XX/XX/2021 I called Credit Systems to inform that I paid the XXXX account in full and to ask them to remove the collection from my XXXX credit report. The man I spoke to said okay. I sent confirmation that I paid but to date the collection has not been removed and they are still reporting that I owe which I do not.
09/22/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AZ
  • 85331
Web
I received a phone call on XX/XX/XXXX from a debt collector called Credit Systems International Inc. for a {$89.00} bill from XXXX XXXX. I have never received written notification from this debt collector and I am requesting they stop calling me. Debts under {$500.00} are also not to be reported to the credit bureaus.
05/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 752XX
Web
In accordance with the Fair Credit Reporting act XXXX XXXX Account # Beginning in XXXX, 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 a account without my written instructions
03/03/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 76082
Web
In accordance with the Fair Credit Reporting Act ( CREDIT SYSTEMS INTL IN ) ( XXXX ) 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, also states a consumer reporting agency can not furnish an account without my written instructions.
03/03/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 76082
Web
In accordance with the Fair Credit Reporting Act ( CREDIT SYSTEMS INTL IN ) ( XXXX ) 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, also states a consumer reporting agency can not furnish an account without my written instructions.
03/03/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 76082
Web
In accordance with the Fair Credit Reporting Act ( CREDIT SYSTEMS INTL IN ) ( XXXX ) 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, also states a consumer reporting agency can not furnish an account without my written instructions.
03/03/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 76082
Web
In accordance with the Fair Credit Reporting Act ( CREDIT SYSTEMS INTL IN ) ( XXXX ) 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, also states a consumer reporting agency can not furnish an account without my written instructions.
09/16/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 31021
Web
This is not nice someone's been using my credit I have documents to court and I'm trying to get the things off my credit removed I think someone is the same name as me what has been using my ID I went to court. Release I went to jail for two weeks because someone was using my credit I even have court documents
01/10/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 75024
Web Servicemember
I called credit systems international number Mcm and they said they no long have my debt. I asked them why it still shows on my credit report and they said they dont know why and not able to remove it because it is not with them anymore. They could not provide me with info on who I need to speak to about this
09/28/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76051
Web
The company Credit Systems at XXXX XXXX XXXX XXXX in XXXX, Texas reported a medical debt to my credit and caused a drop. I have never been notified of this debt, an amount owed in this amount, or contacted by this company. Looking up this company online they have multiple cases of this exact scenario.
02/12/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 751XX
Web
I happened to notice a collection on my credit report by CREDIT SYSTEMS. I then wrote the company a validation letter and sent it on XX/XX/2019 by certified mail with return receipt. It was recieved on XX/XX/2019. I have not yet received a response from this company verifying this collection of debt.
07/20/2017 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • XXXXX
Web
This collection agency is reporting on my credit report. However, I dispute the validity of this debt. I do n't have a contract with a collection agency and did not owe them anything. Due to HIPPA regulations, I did not provide any of my doctors to share any of my information with a collection agency.
10/23/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75063
Web
I understand that under HIPAA law I have the right to protect my privacy and medical records from third parties. I have not given permission to XXXX XXXX to release my medical information. This debt has never been validated by me and has violated my rights as a consumer under 45 CFR 150, 162 and 154.
08/07/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 75104
Web
I called credit systems on XX/XX/XXXX and paid 2 credit items off my credit and they still show it as a collection account owed and will not remove it off of my credit after a phone conversation with them.confirmation number is XXXX for {$25.00} for XXXX XXXX XXXX and {$40.00} for XXXX XXXX.
09/28/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 92008
Web
I already paid this debt on XXXX/XXXX/16 directly through the creditor 's website and they continue to report it to my credit as unpaid. I have proof that it was paid and I have tried calling the credit collector numerous times but the number they list on their bill always sounds " busy ''.
05/07/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 77627
Web Servicemember
I HAVE ATTEMPTED TO HAVE A COLLECTION ACCOUNT REMOVED FROM MY CREDIT.I CONTACTED ALL PARTIES INVOLVED TO DISPUTE THIS. XXXX REMOVED IT BUT THE OTHER XXXX DID NOT. THE ACCOUNT IS NOT MINE. I WAS WORKING XXXX, ALSO D.O.B. DOES NOT MATCH. THIS IS NEGATIVE ON MY CREDIT AND IS CREATING AN ISSUE.
04/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CO
  • 80204
Web
Debt buyer XXXX XXXX is reporting an account on my credit reports that was opened XX/XX/2018 in the amount of {$340.00}. When it's disputed they are not verifying the account just continuing to report. I was incarcerated at the time this account was supposedly opened and I want it removed
04/02/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76705
Web
This debt has just a few days ago on my XXXX credit report after it had been deleted after I disputed the debt via a FDCPA letter. This debt is not mine and I was not given any notice that this debt would be put on my report. This is copy of the letter and return receipt from XX/XX/2016.
02/16/2018 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 75219
Web
It appears a medical vendor failed to disclose total amount of charges and failed to contact me directly about sums due. Sent to collections without notice to me and collection agent failed to contact me or confirm contact. Collection agent filed negative report on XXXX and XXXX.
09/12/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 352XX
Web
Credit Systems Intl IN keeps sending me collection notices in the amount of {$230.00} since XX/XX/2021 The collection has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
07/11/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 76020
Web
Both balances were paid at the same time in one full payment to XXXX at the XXXX Business office on XXXX XXXX XXXX, in XXXX 2013 the balances of XXXX and XXXX. I have called the XXXX office with no help. I have spokes to XXXX at the XXXX office twice. I can not pay this again.
03/14/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 75063
Web
XXXX Accounts appeared on my report today from this company that I 've never seen reporting before and from the looks of it they are pretty old. I 've never received anything that could possibly validate this even belonging to me. XXXX {$32.00} & XXXX {$25.00} a piece.
03/17/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AL
  • 36092
Web
I checked my XXXX credit report on XXXX and saw a collection account for Credit Systems INTL IN, never received notification about an attempt to collect a debt or anything. Furthermore I don't recall having an XXXX XXXX XXXX, my information was apart of identity theft.
06/21/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75035
Web
Credit System is reporting a fraudulent account on my credit report for a company name coserv acct # XXXX and so reporting a fraudulent address on my credit report that have never been associated with. I notified the company that I have been a victim of identity theft.
09/22/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 768XX
Web
Was Working for XXXX XXXX XXXX in XXXX Tx as a XXXX XXXX, Was injured several ( 3 ) times and sent to XXXX XXXX XXXX XXXX Tx under XXXX XXXX. the XXXX XXXX that reads the xrays ( XXXX XXXX XXXX ) has sent the charges to collections. Instead of the Insurance carrier.
01/09/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75067
Web
I received an alert of debt collection on my credit by XXXX. XXXX XXXX is Credit Systems International with the amount of {$890.00} the person who stole my identity had my social security number and date of birth and they opened a utility service with XXXX XXXX.
03/18/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 76542
Web
This, supposedly, is a medical collection that was contracted out to a collection agency. I have no idea of who this company is or what debt they are attempting to collect on. This is a violation of my HIPAA Rights. Remove completely from my credit file at once.
05/16/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IN
  • 46311
Web Servicemember
Some has stolen my information in Texas to open XXXX utility bill didn't pay it stole my information to do it and Now it had came up on my credit report this month. I live in XXXX in XXXX and had never even visit or been to Texas and Dont even No anyone there
08/03/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AL
  • 35205
Web
CREDIT SYSTEM INTL IN is claiming that I owe them { {$150.00} } but this debt is not mine. I am a victim of identity theft. Please Remove this inaccurate collection from my report. Attached is my notarized affidavit and police report proving identity theft.
04/11/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • TX
  • 76179
Web
debt was included in a bankruptcy Chapter XXXX case number XXXX, this was filed on XX/XX/2016. this should be removed. I disputed this account to the XXXX credit reporting agencies and the creditor and they did not remove the account from my credit report.
11/22/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 08854
Web
A collections account appeared on my credit report for {$940.00} with CREDIT SYSTEMS INTERNATIONAL. The original creditor is XXXX XXXX XXXX. This is a fraudulent account as a result of identity theft. I filed a dispute with XXXX who flagged the account.
01/20/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 76140
Web
Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General, and FTC
10/12/2022 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 760XX
Web
I have been requesting for your company to provide me validation of this alleged debt for clarification but I have not yet any information. I need to know which medical information has been shared and see if my rights to privacy have been violated.
06/03/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • TX
  • XXXXX
Web
I logged on to view an alert on my credit report today, XX/XX/22, and I notice an alert from Credit Systems International which is an account I never opened. Nor, did I receive any statements in the mail regarding this account or any balance owed.
04/22/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75039
Web
I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. CREDIT SYSTEMS INTL IN ( Original Creditor : XXXX XXXX XXXX XXXX TEXAS ), balance is {$110.00}, and account # XXXX
10/29/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 79938
Web
I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with Credit Systems International , Inc plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : {$55.00}
08/02/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • XXXXX
Web
Statute of limitations has exceed on this debt. Collection agency has damaged my credit report. I am no longer liable for the debt or collection attempts. Company harasses me regarding this debt. This debt should not be on my credit report.
03/14/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 77381
Web
There is a collection company that is reporting a bunch of medical debts that are unknown to me, I have disputed and requested validation and nothing has been received and this information is still on my credit file which is in error.
03/13/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OK
  • 73110
Web
Per FCRA and 15 U.S.C. 6802, as a federally protected consumer I am exercising my right expeditiously and opting out of ANY and ALL authorization, I the consumer may have given you : written, unwritten, verbal, and nonverbal.
01/15/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 79764
Web
I previously requested evidence of how you managed the data that you demonstrated in my credit report. Once more, you can't demonstrate any of the data referenced in the past credit report information that I challenged with.
12/30/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76036
Web
I have reached out to this company on several attempts regarding a medical debt they are placing for collections on my credit report. This company has not responded but continues to report the debt on my credit report.
04/09/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 76018
Web Servicemember
XXXX XXXX XXXX, XXXX XXXX whose phone # is XXXX reported my name to the credit bureau for {$260.00} for failure to pay him. The child was covered under medicaid and they refused to bill medicaid for services rendered.
01/21/2021 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
  • Investigation took more than 30 days
  • TX
  • 75248
Web
I do no not remember owning this particular account! Ive already asked the creditors to send me signed documents that signify ownership of this account but they still have not responded yet. I never had this account!
02/01/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 76137
Web Older American, Servicemember
CREDIT SYSTEMS INTERNATIONAL is not mine, they have me mixed up with another PERSON USING XXXX XXXX. I have never used them concerning medical debt. I ask them to contact the right person and not bother me again.
07/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 77045
Web
On XX/XX/2021 Credit Systems International, Inc stated that they are requesting a deletion from the Credit Reporting Agencies. As of XX/XX/2021 XXXX and XXXX is reporting that the account has not been removed.
08/14/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 76001
Web
This company has never sent me a bill, probably because I have never done business with this company. This is not my debt. I have insurance that would have paid this, or I would have been told I have a bill.
03/30/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76049
Web Servicemember
XXXX XXXX {$250.00} I have call multiple times to the company about this consult was a referral for the XXXX XXXX XXXX. The XXXX XXXX people are the ones needing to pay. The office keeps trying XXXX XXXX.
11/13/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75241
Web
I would like to dispute the collections account from CREDIT SYSTEMS ( XXXX XXXX XXXX XXXX XXXX ) This account was created as fraud, and should be removed from my account. I have no idea what this is and
07/06/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CO
  • 80112
Web
Hi, I see a XXXX XXXXXXXX account was opened in XXXX XXXX Texas under my name. It was sent to Credit Systems INTL collections for the amount of {$190.00}. I did not open that account. I live in XXXX
02/27/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 070XX
Web
I checked my credit report and noticed I was in collection for an energy account based in Texas. I have never lived or opened a energy account in Texas. I believe I am the victim of identity theft.
10/09/2019 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 76051
Web
I was never notified of the debt owed ( {$33.00} ) until it hit my credit report and still have never been contacted by them. This is not okay. Especially not when it involves someone elses credit.
01/01/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 76082
Web
( 1 ) debt was never owed creditor cleared this up with collection agency but was not removed from my report.collection agency put paid closed.actualy was never paid by me. ( 2 ) same as above
07/18/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • XXXXX
Web
CREDIT SYSTEMS INTL IN reporting a collection to XXXX and XXXX credit agency, I've no knowledge of this collection account and never received any communication from CREDIT SYSTEMS INTL IN
07/26/2023 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • FL
  • 32962
Web
I did not received any notices about this alleged debt. They flagged my credit report without notice. They are also not licensed to collect on this alleged debt in the state of Florida.
01/08/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77545
Web
Credit Systems, a 3rd party collection agency with whom I have no contract with, is reporting erroneously on my credit report an unknown collection that i have no idea what it was for.
07/10/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 37217
Web
i have recently checked my credit file and discovered that this company is reporting that I owe the a debt. To my knowledge this company has never provided me any services nor goods
01/02/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75248
Web
I never had this account! Ive already made previous requests to the creditors to send me documents that prove the ownership of this account but they still have not responded yet.
10/15/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76135
Web
XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX According to the Texas Secretary of State Debt Collector Search site, this company has no active bonding company.
03/03/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30328
Web
I continually am getting calls from a debt collector on payments that I do not owe. The company is claiming to be Credit Systems International and calling from XXXX.
05/14/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • FL
  • 33025
Web
Credit Systems International has entered a debt into the credit reports without first contacting me and giving me a chance to look over the debt and verify it.
03/07/2022 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
  • AL
  • 35226
Web
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I haven't received any investigation results.
04/14/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77303
Web
CREDIT SYSTEMS INTL IN is claiming that I owe them {$2100.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
04/15/2021 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77375
Web
CREDIT SYSTEM INTL IN is claiming that I owe them {$130.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
05/17/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • XXXXX
Web
I have sent several dispute letters as this is not my debt. I have always had insurance to provide to the hospital but this bill is not mines.
02/02/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PR
  • 009XX
Web
Not sure where this charge comes from, I'm sure has to do with identity theft. I never signed any contract with this company.
04/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 766XX
Web
A medical collection account from Credit Systems added to my XXXX file after debt validation demand sent via certified mail.
04/21/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • TX
  • 752XX
Web
i have tried a number of times to request for debt validation and I have yet to see something that validates this is my debt
06/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77388
Web
see ftc FCRA violations : CREDIT SYSTEMS INTL IN Original creditor : XXXX XXXX {$410.00} Balance updated XX/XX/2021 2021
06/16/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • TX
  • 76179
Web
debt was included in BK XXXX they are continuing to collect a debt that I have been relieved from filed in XXXX 2016
01/09/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 761XX
Web
I have written letters etc and Im still having issues with my credit score because this debt is not mines
01/09/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 761XX
Web Servicemember
On XX/XX/2018 was reporting as opened and showed up on my credit report. Dont owe this debt for {$23.00}.
03/14/2023 Yes
  • Debt collection
  • Medical debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • TX
  • 76006
Web
They violated HIPA long. The hospital was no longer supposed to sell my information to this company
04/24/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • TX
  • 77545
Web
On credit report, they claim the account was opened on XX/XX/2018 and I owed {$91.00}. I don't owe.
05/28/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • TX
  • 770XX
Web
This is not the original amount and I was never contacted about this. It was just put on my credit.
02/02/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • HI
  • 96814
Web
I never received anything regarding my collection and I am seeing a coolection on my credit report
02/15/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75056
Web
credit systems international debit recovery put an open charge off with no bill ever from 2013.
02/10/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AL
  • 36605
Web
Credit Systems for XXXX XXXX Opened XX/XX/2019 {$220.00} Placed Collection on Credit Report
03/03/2017 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NC
  • 28806
Web
I have no idea what this is about. I sent a letter in XXXX and they did not respond to me.
01/04/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35244
Web
I paid my lasXXXX XXXX XXXX Bill only to be sent a collection notice from a third party.
06/06/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 76180
Web
this account was been paid for nearly 2 years ago when we switched electric providers
06/07/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • TX
  • 76179
Web
this debt was included in my chapter XXXX filed XXXX/XXXX/2016 case # XXXX
02/27/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75035
Web
company reporting debt that does not belong to me for medical expenses
05/31/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75217
Web
Have checked my report and there are 2 accounts that are not mine.
09/06/2021 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
  • Investigation took more than 30 days
  • TX
  • 76107
Web
I disputed this accounts while over 30 days ago with no response
09/23/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • OK
  • 734XX
Web
No contract with Credit Systems INTL IN. I do not owe this debt.
09/23/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • OK
  • 734XX
Web
No contract with this agency. I do not owe this debt.
04/01/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78249
Web Servicemember
XX/XX/2016 {$1000.00} debt do not belong to me
12/16/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33054
Web
I have no knowledge of this dept
02/08/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OK
  • 73110
Web
02/06/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 76040
Web
01/30/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 78245
Web Servicemember
01/29/2024 Yes
  • Debt collection
  • Telecommunications debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AL
  • 36116
Web
01/24/2024 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77022
Web
01/03/2024 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77088
Web
12/19/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CO
  • 80501
Web
12/16/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 751XX
Web
12/05/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75075
Web
11/29/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • WA
  • 98683
Web Older American
11/25/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77047
Web
11/16/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35208
Web
11/13/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 77373
Web
11/08/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • CA
  • 90027
Web
11/07/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75065
Phone
10/27/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 36701
Web
10/25/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 34481
Web
10/24/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • LA
  • 71108
Web
10/02/2023 No
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 86403
Phone
09/28/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 77044
Web
08/30/2023 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 77083
Web
08/15/2023 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
  • 78753
Web
08/02/2023 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
  • TX
  • 75056
Web
07/28/2023 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77057
Web
07/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76011
Web
07/14/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76227
Web
06/23/2023 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
  • Was not notified of investigation status or results
  • TX
  • 76504
Web
06/13/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CO
  • 80016
Web
06/12/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77070
Web
05/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32503
Web
05/09/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78132
Web Servicemember
05/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 38016
Web
05/03/2023 No
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75287
Web
05/03/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75218
Web Servicemember
04/20/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 78130
Web
04/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77346
Web
04/16/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 78757
Web
04/04/2023 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07731
Web
04/04/2023 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75056
Web
03/29/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76112
Web
03/17/2023 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • WI
  • 53210
Web
03/14/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75181
Web
03/14/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 20716
Web
03/08/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AE
  • 09012
Web Servicemember
03/06/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77079
Web
03/03/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 76082
Web
02/24/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 07666
Web
02/22/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 78251
Web
02/18/2023 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AE
  • 09012
Web Servicemember
02/05/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AE
  • 09012
Web Servicemember
02/03/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 11710
Web
02/02/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77871
Web
01/27/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NV
  • 89131
Web
01/26/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 07029
Web
01/11/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 36201
Web
01/09/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75089
Web
01/09/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75204
Web
01/07/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AE
  • 09012
Web Servicemember
01/04/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95822
Web
12/28/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77082
Web
12/27/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • LA
  • 71109
Web
12/23/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76707
Web
12/23/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76707
Web
12/23/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • WI
  • 53546
Web
12/18/2022 No
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75287
Web
12/16/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • KY
  • 40513
Web
12/15/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 78653
Web
12/14/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • 77098
Postal mail
12/06/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 48103
Web
11/17/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NH
  • 03440
Web
11/09/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33324
Web Servicemember
11/03/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 36111
Web Servicemember
11/03/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 36111
Web Servicemember
10/31/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CO
  • 81507
Web
10/31/2022 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
  • AL
  • 36608
Web
10/27/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75023
Web
10/25/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NH
  • 03038
Web
10/19/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 11221
Web
10/17/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 94070
Web
10/16/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 07094
Web
10/13/2022 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CO
  • 80126
Web
10/06/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 36111
Web Servicemember
10/05/2022 No
  • 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
  • AL
  • 35210
Web
10/03/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 75060
Web
09/25/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AL
  • 35244
Web
09/18/2022 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76063
Web
09/17/2022 No
  • 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
  • 75040
Web
09/16/2022 No
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75287
Web
09/07/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 20165
Web
09/01/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76155
Web
08/31/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75076
Web
08/15/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77071
Web
08/10/2022 No
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76424
Web
08/09/2022 No
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30337
Phone
08/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75002
Web
07/31/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76107
Web
07/28/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76002
Web
07/28/2022 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
  • 76002
Web
07/19/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78542
Web
07/15/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 75165
Phone
07/14/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AZ
  • 85249
Web
07/08/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 78664
Web
06/24/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 76248
Web
06/06/2022 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
  • TX
  • 76036
Web
05/02/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 07640
Web
04/22/2022 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • SC
  • 29420
Phone Older American
04/22/2022 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • TX
  • 75034
Web
04/04/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 95448
Web
03/31/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75056
Phone Older American
03/31/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75056
Phone
03/24/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 08817
Web
03/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AL
  • 36867
Web
03/15/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75203
Web
03/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MO
  • 64152
Web
03/08/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76104
Web
03/04/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76107
Web
03/01/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75243
Web
02/17/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75068
Web
02/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75063
Web
02/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75063
Web
02/06/2022 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 75407
Web Servicemember
02/03/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75203
Web
01/20/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75241
Web
01/19/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75241
Web
01/14/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75237
Web
01/11/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 75236
Web
12/30/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76137
Web
12/29/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75241
Web
12/28/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75209
Web
12/20/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OR
  • 97355
Web Older American, Servicemember
12/15/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76119
Web
12/14/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75209
Web
12/10/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75287
Web
12/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 76119
Web
12/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75778
Web
12/05/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78220
Web
12/05/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78220
Web
12/05/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78220
Web
12/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MN
  • 55315
Web
12/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30008
Web
11/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 78520
Web
11/24/2021 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • GA
  • 30213
Web
11/22/2021 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • TX
  • 75093
Web
11/20/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VI
  • 00802
Web Servicemember
11/18/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75287
Web
11/17/2021 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 75052
Web
11/17/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29483
Web
11/17/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76105
Web
11/16/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29115
Web
11/12/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 78130
Web
11/11/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29485
Web
11/11/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29461
Web
10/24/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76119
Web
10/24/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76119
Web
10/21/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77084
Web
10/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 78520
Web
10/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 78520
Web
10/14/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75215
Web
10/04/2021 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
  • Investigation took more than 30 days
  • TX
  • 77571
Web
10/04/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78219
Web
10/04/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78219
Web
09/28/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76120
Web
09/24/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77385
Web
09/24/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76119
Web
09/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 35233
Web
09/18/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76017
Web
09/17/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76134
Web
09/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75149
Web
09/16/2021 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
  • Investigation took more than 30 days
  • TX
  • 76116
Web
09/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75226
Web
09/07/2021 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
  • Investigation took more than 30 days
  • TX
  • 75778
Web
09/07/2021 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
  • Investigation took more than 30 days
  • TX
  • 76006
Web
09/07/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76107
Web
09/05/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 76040
Web
09/03/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76132
Web
09/02/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 76063
Web
08/27/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75241
Web
08/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 78566
Web
08/05/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 76054
Phone Older American
08/02/2021 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
  • 78521
Web
08/02/2021 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
  • 78520
Web
08/02/2021 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
  • 78526
Web
08/02/2021 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
  • 78566
Web
08/01/2021 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
  • 78520
Web
07/31/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76180
Web
07/27/2021 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
  • Investigation took more than 30 days
  • TX
  • 78521
Web
07/20/2021 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • AZ
  • 85008
Web
07/17/2021 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
  • 78521
Web
07/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 78552
Web
07/17/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33598
Web
07/12/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 75035
Web
07/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 78753
Web
07/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 78526
Web
07/07/2021 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
  • 78521
Web
07/06/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78526
Web
07/03/2021 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
  • 78566
Web
07/03/2021 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
  • 78526
Web
07/02/2021 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 78840
Web Servicemember
06/15/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 31407
Web
06/09/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75126
Web
06/09/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35215
Web
06/01/2021 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
  • Investigation took more than 30 days
  • TX
  • 76118
Web
05/04/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 31014
Web
05/04/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 31014
Web
04/30/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 76401
Web
04/29/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AR
  • 72336
Postal mail
04/28/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 77423
Web Servicemember
04/26/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29418
Web
03/22/2021 No
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76244
Web
03/17/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77514
Web
02/23/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77514
Web
02/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76133
Web
02/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • LA
  • 71103
Web
02/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77396
Web
02/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77033
Web
01/28/2021 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
  • 75070
Web
01/26/2021 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
  • Investigation took more than 30 days
  • AL
  • 35206
Web
01/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76012
Web
01/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76115
Web
01/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76115
Web
01/11/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76013
Web
01/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30329
Web
01/09/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78596
Web
12/22/2020 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 92406
Web
12/15/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77026
Web
12/14/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75241
Web
12/09/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78412
Web
12/04/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76013
Web
12/02/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78415
Web
11/24/2020 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
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • TX
  • 75216
Web
11/16/2020 Yes
  • Debt collection
  • Medical debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • TX
  • 78501
Web
11/16/2020 Yes
  • Debt collection
  • Medical debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • TX
  • 78539
Web
11/15/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30701
Web
11/01/2020 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
  • TX
  • 75172
Web
09/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 35022
Web
09/12/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78539
Web
09/12/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AL
  • 35405
Web
08/30/2020 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77429
Web
08/29/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 76006
Web
08/25/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TN
  • 37219
Web
08/18/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75287
Web
08/17/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75039
Web Servicemember
08/17/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85044
Web
08/02/2020 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30324
Web
07/24/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78574
Web
07/22/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78504
Web
06/26/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 78641
Web
06/16/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76120
Web
06/06/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OK
  • 73071
Web
06/04/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78152
Phone
06/01/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77067
Web
05/28/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 36110
Fax
05/12/2020 No
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75248
Web
05/03/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75410
Web
04/25/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77433
Web
03/12/2020 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • 75201
Web
03/10/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75075
Phone
02/26/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 78108
Web
02/21/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77494
Web
01/31/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 78412
Web
01/23/2020 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • AL
  • 36352
Phone
01/17/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33521
Postal mail
01/02/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75243
Web
11/27/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76502
Web
11/18/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 14211
Web
10/29/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 78573
Web
10/08/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76126
Web
09/26/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • TX
  • 75024
Web
09/20/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75604
Web
09/05/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75019
Postal mail
08/29/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76012
Web
08/15/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75039
Web
07/28/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75038
Web Servicemember
07/28/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75038
Web Servicemember
07/20/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33897
Web
07/13/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75001
Web
07/12/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76012
Web
06/17/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MT
  • 59501
Web Servicemember
06/17/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77498
Web
06/04/2019 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 76053
Web
05/13/2019 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 76039
Web Servicemember
05/02/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • HI
  • 96793
Web Servicemember
04/29/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76135
Web
04/18/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • OK
  • 73099
Web
04/09/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75007
Web
04/06/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • OK
  • 73099
Web
04/04/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75241
Web
04/02/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75007
Web
03/12/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76011
Web
03/03/2019 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 76262
Web Servicemember
02/26/2019 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • 75060
Web
02/22/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Called before 8am or after 9pm
  • TX
  • 77571
Web
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
  • 75007
Web
02/12/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77067
Web
02/06/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76126
Web
01/30/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75007
Web
01/30/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 78041
Web
01/29/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75204
Web
01/28/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77449
Web
01/28/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
Phone Servicemember
01/26/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34983
Web Servicemember
01/25/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76034
Web
01/18/2019 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 76039
Web
01/13/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 24558
Web
11/30/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75007
Web
11/21/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77340
Web
10/30/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76574
Web
10/19/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • FL
  • 33009
Web
10/12/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 76137
Fax
10/08/2018 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • 75287
Web
09/27/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AZ
  • 85043
Web
09/13/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75115
Phone
07/31/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30046
Web
07/13/2018 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 75043
Phone
07/13/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75039
Web
07/03/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75032
Web
07/03/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 36605
Web
07/03/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76112
Fax
06/20/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76010
Web
06/20/2018 No
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75104
Web
06/19/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76180
Web
06/15/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75074
Web
06/13/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30318
Web
06/13/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • TX
  • 78065
Web
06/09/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78247
Web
05/29/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75472
Referral
05/15/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 75240
Web
05/12/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75605
Web
05/07/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78247
Web
05/04/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75482
Web
04/26/2018 Yes
  • Debt collection
  • Medical debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • AZ
  • 85224
Web
04/24/2018 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
  • 76013
Web
04/20/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 784XX
Web
04/10/2018 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 75043
Phone
04/10/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76134
Web
04/10/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76134
Web
04/09/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75758
Web
03/29/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75149
Web
03/12/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35216
Web
03/08/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76134
Web
03/08/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75216
Web
03/05/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75115
Web
02/27/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75137
Referral
02/05/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 75216
Web
01/31/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75472
Referral
01/30/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 75287
Web
01/23/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 76016
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
01/16/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77433
Fax
01/11/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77021
Web
12/28/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76123
Web
12/18/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 78363
Web
12/10/2017 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 76119
Web
12/09/2017 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 75051
Web
12/01/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78244
Web Servicemember
11/17/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76244
Web
10/24/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 76039
Web
10/24/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 76120
Phone
10/02/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76133
Web
10/02/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76133
Web
08/23/2017 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 76248
Web
08/15/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75137
Referral
08/11/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AL
  • 36109
Web
08/08/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • LA
  • 71270
Web
07/05/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75077
Web
07/04/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75241
Web
07/03/2017 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
  • 76450
Web
06/26/2017 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • FL
  • 33025
Web
06/23/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76131
Web
05/31/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 75249
Postal mail
05/19/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75249
Postal mail
04/27/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78217
Web
04/20/2017 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 75053
Web
04/17/2017 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33025
Web
04/08/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 75137
Web
04/06/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 75210
Web
04/05/2017 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33025
Web
04/02/2017 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 76039
Web
03/31/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 75204
Web
03/14/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 75106
Web Servicemember
03/10/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 75231
Web Older American
02/27/2017 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • TX
  • 78006
Web
02/23/2017 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 75050
Web
02/12/2017 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 76096
Web
01/26/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 78504
Web
01/14/2017 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • MD
  • 21208
Web Servicemember
01/10/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 75159
Web
12/14/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 77034
Web
12/14/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 77034
Web
12/07/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33161
Web
12/06/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 78504
Web
12/05/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33161
Web
12/01/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 78504
Web
11/17/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 75241
Web
11/16/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 75503
Web Servicemember
11/10/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 75216
Web
11/10/2016 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 79714
Web
11/01/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NC
  • 27509
Referral
11/01/2016 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33161
Web
11/01/2016 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33161
Web
10/11/2016 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 79119
Web
10/06/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 76028
Web
09/23/2016 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 75243
Web
09/17/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 75019
Web
08/10/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • CA
  • 93555
Web
07/01/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • AL
  • 35085
Web
05/27/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • WA
  • 98101
Web
05/16/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 75002
Web
05/08/2016 Yes
  • Debt collection
  • Medical
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • TX
  • 75216
Web
04/10/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 75019
Web
03/17/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 77539
Web
03/03/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • MD
  • 21229
Web
02/02/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 77004
Web
01/17/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 75019
Web
01/14/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • TX
  • 76018
Web
12/10/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 76063
Web
11/22/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 76692
Web
11/19/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 75034
Web Older American
11/16/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • TX
  • 78213
Web
11/10/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 76022
Web
11/05/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 77545
Web
10/15/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 79536
Web
10/13/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • TX
  • 75115
Web Older American, Servicemember
10/13/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • AL
  • 36608
Web
09/15/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • TX
  • 77489
Web Servicemember
08/13/2015 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 76028
Postal mail
07/23/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 75142
Web
07/15/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 95842
Web
07/14/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 95350
Web Older American
06/13/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • MO
  • 64114
Web
06/12/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 76031
Web
05/19/2015 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Indicated committed crime not paying
  • TX
  • 75241
Web
04/13/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • OK
  • 73110
Web
03/02/2015 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • FL
  • 33021
Postal mail
03/02/2015 Yes
  • Debt collection
  • Medical
  • Taking/threatening an illegal action
  • Attempted to/Collected exempt funds
  • FL
  • 33021
Postal mail
02/18/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • AL
  • 36106
Web
02/17/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 92124
Web Servicemember
02/07/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • AL
  • 35210
Web
02/04/2015 Yes
  • Credit reporting
  • Credit reporting company's investigation
  • Inadequate help over the phone
  • TX
  • 78550
Web
01/17/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 78729
Web
01/15/2015 Yes
  • Debt collection
  • Medical
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • TX
  • 76248
Web
01/13/2015 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 75219
Web Older American
12/31/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 77068
Web
12/22/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 75702
Web
12/22/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • WA
  • 98371
Web
12/02/2014 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • KS
  • 66111
Web
11/30/2014 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 79603
Web
11/04/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 75052
Web
10/29/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 76201
Web
10/22/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 75050
Web
10/21/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 76108
Web
10/16/2014 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • NM
  • 87124
Web Servicemember
10/14/2014 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 76022
Web Older American
10/07/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • UT
  • 84405
Web
09/25/2014 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33027
Referral
09/23/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 76185
Web Older American, Servicemember
08/06/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 76137
Web
07/29/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 75019
Web
07/26/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 78259
Web Older American
07/24/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TN
  • 37405
Web
07/16/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 77356
Web Servicemember
07/11/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • IL
  • 60031
Web
07/10/2014 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Called after sent written cease of comm
  • TX
  • 76028
Web Servicemember
07/08/2014 No
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 76137
Web Servicemember
07/01/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 76137
Web
06/24/2014 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 76107
Web Older American
06/01/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 75106
Web
05/19/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Right to dispute notice not received
  • TX
  • 75052
Web
05/13/2014 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • TX
  • 75063
Web
05/13/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 76137
Web
05/04/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • TX
  • 75080
Web
03/17/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 77034
Web Older American, Servicemember
03/04/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Right to dispute notice not received
  • TX
  • 75228
Web Servicemember
02/20/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 77089
Web
02/07/2014 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 76102
Web
01/20/2014 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • TX
  • 75205
Web
01/14/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 76244
Web
01/08/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • TX
  • 76248
Web
12/19/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • TX
  • 75234
Web
11/29/2013 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • TX
  • 78213
Web
11/29/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • TX
  • 78213
Web
11/19/2013 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 75083
Web
10/17/2013 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 76006
Postal mail
09/27/2013 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 76107
Postal mail
09/06/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 75702
Web
08/18/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 76008
Web
08/16/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 75070
Postal mail
08/09/2013 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 75009
Web Servicemember
07/28/2013 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 75969
Web
07/24/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 79912
Web
07/22/2013 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Threatened to take legal action
  • TX
  • 75220
Web
07/11/2013 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 76110
Web