Debt Recovery Solutions, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33063	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 Better Business Bureau, 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. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. DEBT RECOVERY SOLUTIONS bal. {$720.00} XXXX. DEBT RECOVERY SOLUTIONS bal. {$360.00} 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 XXXXXXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
05/10/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33060	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 METRO 2 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 , 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 XXXX 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 XXXX 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. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. DEBT RECOVERY SOLUTI bal. {$580.00} 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX CC : XXXX- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CC : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
03/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33071	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 METRO 2 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 , 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. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. DEBT RECOVERY SOLUTI bal. {$740.00} 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 XXXXXXXX, Iowa XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CC : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
03/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33064	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 METRO 2 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 , 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. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. XXXX XXXX XXXX bal. {$1100.00} 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 CC : TU- The XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
02/12/2022	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	FL 349XX	Web
Request for VALIDATION, NOT Verification To Whom It May Concern : REMOVE THIS ACCOUNT IMMEDIATELY This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that 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 named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 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 my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails 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 report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Cease and Desist Dear Representative, Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) - I am invoking my specified remedy as a customer, and the original creditor and I am demanding all of the following : Zero out the balance in this account. Deletion from all consumer reports. Since youre reporting this on my consumer report I demand The following to be answered and written out : Name and address of alleged creditor Name on file of alleged debtor Alleged account number Address on file for alleged debtor Alleged account number Amount of alleged debt Date ( this alleged it became payable ) Debt of the original charge or delinquency. Was this the assigned to a debt collector or purchased? Amount paid if that was purchased Commission for debt if collection efforts are successful. Please attach copies of the following : Agreement with your clients that grants this company The authority to collect this alleged debt. Signed agreement debtor has made with debt collector, or other verifiable proof that debtor has a contractual obligation to pay debt collector. Any agreement that bears the signature of debtor, wherein agreed to pay the creditor. All statements while this account was open. Have any insurance claims been made by any creditor regarding this account? Yes? No? Have any judgments been obtained by any creditor regarding this account? Yes? No? Please provide the name and address of the bonding agent for this company, in case legal action becomes necessary : Authorize signature of creditor : ______________________ Date : ________________ You must return this completed form along with copies of requested information, assignments or other transferable agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. Your claim can not and WILL NOT be considered if any portion of this form is not completed in return with copies of all requested documents. This is a request for validation may pursuant to the fair debt collection practices act. Please allow 30 days for processing after I receive this information.
09/08/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 78516	Web
On XX/XX/XXXX, my XXXX XXXX XXXX daughter who was experiencing a case of severe XXXX XXXX XXXX XXXX XXXX XXXX XXXX was taken to the nearest XXXX. The reason I had taken my daughter to this XXXX XXXX is that only 2 weeks prior she had been diagnosed with XXXX XXXX and was prescribed XXXX XXXX once a day. Her XXXX had advised me to monitor her because there was a risk of having XXXX XXXXXXXX XXXX to this medication and if that were the case to please take her immediately to the XXXX XXXX to have her examined. With that in mind we drove to this location which is only 10 minutes away from our home and which in a prior situation had an excellent experience. When arrived at the location it was XXXX XXXX. it was a very prompt service. When we walked in, we were received by the XXXX receptionist who was attending a patient and asked us kindly to wait to be attended. We sat down and within a minute we were asked to come in to take vitals from my daughter and asked the reason we were there. After that, they promptly took us to the room where we waited to be attended by the attending XXXX. While we waited my daughter kept complaining of worsening XXXX, after she had begun to complain the attending XXXX came in with a smile. He asked my daughter what the reason for our visit was, as my daughter explained how she felt he continuously kept smiling and did little to nothing to help her with the XXXX which had proceed to get worse. He stood in front of her and didnt even care to thoroughly examine her. All he did was peek through her shirt and diagnosed her with XXXX. After he had examined her he prescribed her with XXXX XXXX XXXX which they did not have even though it was an XXXX. So at XXXXXXXX XXXX. no pharmacy is open at that time, he told us to look for one, mainly because there was none open nearby. We asked if they knew where to find a pharmacy that was open XXXX hours but they said no. Not even XXXX minutes in the XXXX when we were out the door. When I was there, I expected for my daughter to have a thorough examination or at least a shot to stop the XXXX from continuing. After being released I arrived at my home to see my daughter covered in XXXX in her back, XXXX and legs. I contacted her XXXX over the phone again and she advised me to give her a double dose of XXXX, she was surprised that the XXXX XXXX had not administered nothing and seeing the pictures of her XXXX. The XXXX advised me to contact the billing department regarding this matter since the services provided was not the proper procedure for the allergic reaction nor the amount being charged. I have attached a picture, so you can see how she was. I was told by her XXXX that the XXXX was not careful enough to examine her correctly this could have been a life-threatening reaction. As soon as I received the XXXX bill I called the billing department for a detailed view of my statement and to explain the situation, but I was notified that they had established a specific amount when there are no procedures done and that the fact that I didnt received a satisfying service was not enough to help my bill. They told me I had received a discount for uninsured, I appreciated the discount and by no means was this discount enough to cover the service he gave us. What I was asking is for them to reconsider the amount billed that for a service of less than 30 minutes with no help for my suffering daughter I was asked to pay {$880.00} for the hospital visit even though nothing was administered that is not including the {$820.00} for the XXXX charges. I understand that each hospital can charge what they desire. I started to call and send letters, after sending a letter on XX/XX/XXXX, and several phone calls regarding the charges the hospital was willing to reduce my bill from {$880.00} to {$140.00}. I did a payment plan for that amount and finished paying it. I spoke with the manager of this free standing XXXX and was told he would try to help me with the {$820.00} XXXX charges but after several attempts he said he could not help me. So I started sending letters to the XXXX 's billing department and I received no response. Then I started to receive letters from collection agencies regarding this bill and I would always ask to have this debt reviewed to see if the XXXX would lower the fee for his lack of attention. Also I have previously contacted the collection agency asking for verification of debt and they have not responded. After a while the letters ended but they began again with calls that just call and hang up and call again. They also called and no answer. So after a call that disturbed me regarding a collector stating he would sue me I started looking for information. I also learned that they have reported it to a collection agency as of XX/XX/XXXX. So I decided to contact the CFPB for help in disputing this debt. I have learned that this debt is past the statue of limitations. They have been attempting to collect a debt for the past 4 years and I have always responded to their letters but never received a response. Please help with the phone harassments and the continuous charge of {$820.00}.
01/07/2019	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 373XX	Web
Negative item appeared on my XXXX report for {$350.00} from Debt Recovery Solutions. I have no knowledge of this debt. I called ( XXXX ) XXXX, the number provided by XXXX, and spoke with a heavily accented XXXX woman. She stated this was far a loan from XXXX XXXX. I stated I did not have a loan with them. She stated I would have to file a report with the police. Kept trying to end the call. I told her I needed the loan details in writing and she stated she had already sent them on the 2nd and I needed to be patient. I recorded this consecration. I think checked my emails and I have received multiple scammy type emails citing XXXX XXXX as the source of a loan. The amounts differ outrageously and all threaten a lawsuit, state a warrant is pending and that my credit and job were in jeopardy. One of the emails is below. Please assist in this matter. DOCKET LOAN REFERENCE ID # XXXX ( URGENT ATTENTION ) Dear XXXX XXXX, SSN : XXXX Good morning, DOCKET ID # XX/XX/XXXX/DUE Complaint # XX/XX/XXXXTUESDAY/XXXX ATTENTION DEBTOR : Company Name : XXXX XXXX XXXX Group of Companies : 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 and XXXX XXXX. This is in reference to your Account number # XXXX in order to notify you that after numerous effort, we were not able to get hold of you, so the accounts department has decided to mark this case as a flat refusal and press legal charges against you. Do revert back if you want to get rid of these legal consequences and make a payment arrangement within the next 72 hours or else we would be proceeding legally against you. And this also will be notified to your employer about the case. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. You can revert us back so that we can send you the payment remittance form instantly in our next e-mail as well. If you failed to pay the requisite amount within the stipulated time intervals, we'll be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and our references regarding this issue and the law suit will be the next step which will be amounting to {$6500.00} ( excluding Court and ffidavit charges ) that will be totally levied upon you and that would be excluding your attorney charges, i repeat. Creditors-XXXX XXXX XXXX which is a parent company of more then 400XXXX websites and internet web portals in USA and operates under different names in different states. Apart from getting laid off by your current employer after we send them the legal notice you will be blacklisted from getting any job. Through an IRS ( Internal Revenue Service ) your social security number will be put on hold causing severe damage to your credit history or credit report and your income paychecks will be put on hold. Any child support, disability, unemployment or retirement benefits will be either place on hold or will be stopped until the outcome of the case. Our primary job was to notify you about the case before we send you legal document in the mail because once this case gets registered then we won't be able to help you out of court. Our client is least interested in getting the money at this point as they want to just go ahead and start taking legal actions however we wanted to contact you and give you last chance to resolve this case out of court. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. It may be possible that you may have some financial hardship with you. So, we are just giving you a last chance that if you just make a payment within 48 HOURS of this e-mail then we will close this account as paid in full with XXXX balance. We do hope that you will work out with this offer whichis of SETTLEMENT AMOUNT : {$500.00} NOTE : THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS. XXXX XXXX XXXX Monday - Friday : XXXX XXXX. to XXXX XXXX ( EST ) Saturday : XXXX XXXX to XXXX XXXX ( EST ) Sincerely, XXXX XXXX ( Customer service ) NOTE : THIS CASE IS UNDER INVESTIGATION UNDER CREDIT BUREAU. Copyright XX/XX/2006 INC \| Privacy \| Terms of use -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, transmission, dissemination to unauthorized persons or other use of the original message and any attachments are strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message.
02/10/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OH 451XX	Web
I was notified by my credit monitoring services that a 2 new collection has been added to my account by XXXX XXXX XXXX. I have in the past have disputed my reports with them thru all 3 credit bureaus and won the disputes multiple times for the last 3 years for the same accounts and they still keep placing it on my account. I have worked extremely hard to clear my credit and resolved any owed debts in order to purchase a home which I have purchased one in XX/XX/XXXX at that time all my debt has been cleared on my credit report prior of the home purchase. Almost a year later they have placed the account on my credit report and damaging my credit score of 53 points and it does not go back up to that number after it has been removed it has only gone up 30 plus points multiple time after removal which has cost damage to my score over a period of times. I have contacted the company several times and resolved it with them and I was told that it will not be added to my accounts anymore in the future because it is a mistake on their end. I have not received any written notification from their behalf of these accounts that will be placed on my credit report and I have brought that to their attention several times reminding them that they are violating several articles of the FTC which cause them to remove the accounts again at later dates they reapply it to my account which has cause credit damage to my credit report. Here are the dates of the accounts I have had removed from XXXX XXXX XXXX and affiliations. Company Names, Dates and Amounts. Debt Recovery Solution XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX settled and dispute won removed from credit report Debt Recovery Solution XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXreadded to my credit report and dispute won removed from credit report* XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Amount XXXX settle dispute won removed from credit report After the dispute was won and removed XXXX XXXX sold the XXXX XXXX XXXX XXXX for the amount of XXXX to XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX settled and dispute won removed from credit report* Debt Recovery Solution XX/XX/XXXX XXXX XXXX XXXX XXXX Amount XXXX settled and dispute won removed from credit report Debt Recovery Solutions XX/XX/XXXX " XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX Amount XXXX settled and dispute won removed from credit report XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Amount XXXX settled and dispute won removed from credit report XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Amount XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Amount XXXX This account has been removed from my credit report multiple times no written letter or statement for this account as it is sitting on my credit report it has damaged my credit score 31 points it is in the process of being disputed. * I have also contacted Debt Recovery Solution back on XX/XX/XXXX via email over both accounts above. In the email from XXXX XXXX of Debt Recovery Solution stated in a reply. " As advised, we have submitted a request to the credit reporting agency to have all open accounts in our office deleted from your credit profile. set forth below are the following AUD # XXXX, XXXX. '' Again I contacted XXXX XXXX due to both reports of the same collection that was reported on my credit report for the 2 accounts I advised him it has been settled and not to reported again. his reply back was stated 'We have contacted the credit reporting agency and have instructed them to delete any updates placed on your credit profile all collection activity has been suspended '' Since XX/XX/XXXX I have been disputing and winning disputes with these companies. They have both done nothing but harass me and damage my credit score significantly. I personally want to file a lawsuit against these 2 companies for the damage that they have done to my credit score. The account has been settled and taken care of from the get-go and to this day I am still disputing their errors. What they are doing is illegal and should not be allowed I have personal email exchange stating that my account has been deleted and suspended and their words have not been kept. I have never once received a written letter from any of these agencies over these debts that it will be placed on my credit reports. I have dealt with nothing but abuse of power to ruin someone credit from these companies.
04/15/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	KS 67218	Web
On XX/XX/XXXX Debt Recovery Solutions reported a debt which they claim I owe to my credit report with XXXX, XXXX, and XXXX without ever first contacting me about the matter, and I keep my contact information accurately updated with the XXXX agencies they reported this matter to. I made an attempt to call specifically to ask for an actual address where an agent or representative of their company would be present to receive and sign for a formal request for validation of debts via certified mail and they would only provide me with a po box . and specifically told me that any other addresses listed were incorrect and my mail wouldnt be delivered. I pressed the point that I am aware this is a common stall tactic among the more unscrupulous debt collection agencies and that it was a way of making it more difficult for me to prove I sent mail ( even though the postal service still has a prove you say you sent it when you did service for this very reason that I always use in these situations ) and the employee still wouldnt be of any further assistance then hung up on me in the middle of a question. I do have that conversation recorded. No matter I still sent a formal request for debt validation as per my rights provided under law and I didnt receive a response within 7 or 30 days so I sent it again. I do have proof of this both times, and again I received no response. These debts they claim I owe are medical debts from XXXX and are not only time barred debts by XXXX and XXXX state statute of limitations on collecting, but they are very suspicious as there are multiple accounts all with the same amount, from the same date and from different dates therefore I need to verify all of them as accurate. They also fall under the new changes updated by XXXX, XXXX and XXXX and will no longer be reportable as such beginning in XXXX. They also only have a few of these low dollar accounts posted to my credit and it began as only one - come to find out there are several more still unreported and they said what they are doing is reporting them as time goes on to try to get me to realize to pay my debts ver batim and when I told them I would report them to the CFPB and other agencies of authority the response was thats ok and we could just wait and keep these there and keep reporting the rest till you pay we dont mind again ver batim, it is clear and obvious they are using these tactics to punish me or continue to damage my credit once one account becomes seasoned on my credit report and isnt damaging it as bad and this is all from almost 6 to over 6 years ago anyway. At this point in my life it literally isnt even about not paying debts like they are acting nor has it ever been. Ive been punished my whole life due to this medical debt. Ive lost places to live, been turned down from management and cash handling positions due to these accounts and I just want to verify them because they appear extremely suspicious and the company attempting to collect them is very aggressive and unscrupulous and I want to move on with my life and they are unwilling to stop punishing me for whatever reason. When I realized they werent going to cooperate within the language of the law and resolve this manner in a professional way I contacted an attorney and each time my attorney reached out to them- they hung up on him and all of these calls are recorded. The first time he called they wouldnt speak to him without a formal identification and his only purpose was to gain an address of their legal department, and immediately they hung up on him. The second time he called he asked Is po box such and such your only mailing address to send documents to your legal team and the lady replied YEP and while he was asking if there was another address they hung up, the third time he called they cut him off and asked Who is this!!? And when he stated his name they hung up again. The representatives nameswere XXXX, XXXX and XXXX. All of these are the specific reasons I contacted an attorney to help me resolve this matter which has so far proved unsuccessful for him also. There have been multiple violations of FDCPA rights because of this agency and they refuse to remedy or approach this in a friendly, non aggressive manner.
09/13/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30043	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX DEBT RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : Collection account : XXXX ; XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that 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-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 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 my legal counsel for suit. This includes listing any information with a credit reporting repository that couldA be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails 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 report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Remove this account from my credit report, do not call me on the phone, only contact me by mail or via CFPB portal. Best Regards, XXXX XXXX.
03/15/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA XXXXX	Web
( XXXX XXXX ) obtained a copy of his XXXX credit report following an application that was denied by the federal government for an educational loan to verify the reasons why this had taken place. XXXX examined the report and proceeded to contact the collection agency doing business on his credit profile with the major credit reporting bureaus ( XXXX, XXXX and XXXX ) on or about XX/XX/2023 understood to him as XXXX XXXX XXXX, with the contact displayed on his respective reports as : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and phone number XXXX, via the respective phone number detailed herein. This collection agency stated that a debt is owed to a lending agency XXXX alleged contracted with, and that the debt amount was negotiable, yet still asserted on his report at the amount detailed on his reports with the major credit bureaus as {$640.00}. XXXX did not agree that he owed this creditor any money at all, and that the amount was not accurate nor owed in any capacity and that the whole dollar amount of the debt borrowed from XXXX XXXX had been satisfied through a longstanding and verifiable payment history. XXXX asked the collection agency on or about XX/XX/2023 to please cease all collection efforts and reporting until the debt validation documents were provided, reviewed and considered in the face of the assertions being made on his credit profile with the three major credit bureaus displaying this collection account, considered to be a valid debt amount and factual information, which it is not. This is a speculative, hypothetical dollar amount with a tribal quality lender that is not enforceable, valid, nor does it align with any kind of factual contractual obligation entered into by both parties. For this reason XXXX has disputed this information with all three major credit reporting agencies for displaying and purporting an inaccurate debt that is not based on any tangible legal instrument that can uphold a debt owed by the consumer to this collection agency and respective merchant where XXXX was at XXXX point in real contractual lending relationship. The actual debt undertaken by XXXX with XXXX XXXX, the lending agency was originally {$500.00}, which is less than the amount being asserted by the collection agency on behalf of the lender merchant against his credit profile with the XXXX major credit bureaus. This collection agency and lending merchant at issue herein are asserting that XXXX, despite making on time payments which have satisfied the amount borrowed is still in debt to the company for more than the original amount, based upon no tangible agreement entered into by either party, but merely because they feel this amount is owed to them for some unapparent reason they have refused to comply with when asked for by XXXX XXXX or about XX/XX/2023, when XXXX asked numerous questions concerning the debt asserted against him on his credit profiles with the XXXX major credit reporting bureaus. There is no way to validate this debt, as it is a tribal quality lender asserting inaccurate information against his credit profiles with the three major credit bureaus, in an attempt to extort him of money with no legitimate factual or contractual means in doing so. This is an abuse of his personal information afforded to the lending merchant and respective collection agency afforded to them given the personal nature of the information provided to them when XXXX initiated and accepted a loan by and through XXXX XXXX, where a tangible agreement was coalesced and entered into, where now it is no longer enforceable and the amounts owed and claimed on his credit profile with the three major credit reporting bureaus is inaccurate and an abuse against his federal legal consumer rights.
06/16/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34758	Web
This charge is the result of Identity Theft so I am not responsible for this debt. The company was put on Notice regarding this matter on XX/XX/2022. 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 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. You offices is 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 wherein he/she agreed 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 for Debt Recovery Solutions 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. Best Regards XXXX XXXX cc Federal Trade Commission
11/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92592	Web
Creditor Debt Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified item listed below remains on my credit report in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance ( section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following account be verified and provide physical verification from creditor or removed immediately Debt Recovery Solutions {$8200.00} To Whom it May Concern : This letter is being sent regarding a debt reported to the credit agencies where the original creditor was XXXX XXXX. Be advised 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-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2. The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my 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, and Defamation of Character. If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Sincerely, ( Debtor Signature ) XXXX XXXX
08/25/2015	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	FL 32303	Web
I received an alert from my credit monitoring system indicating adverse action on my credit report. I immediately logged-in and pulled/viewed my report and to my shock there was a collections account placed on my credit report XXXX by a company called Debt Recovery Solutions XXXX see attachment ). I have recently experienced a breach to my checking account which caused me to sign up for this credit monitoring service. So, my anxiety is of course high in receiving this alert, as I have never had any contact with or even heard of this company or any company regarding this alleged debt. A quick online search of this company yields hundreds of complaints from people that claim this company has taken similar action against them ; that claim the company is a defrauding and scheming to collect money from people that do not owe them. My online search further led me here to the BBB site where there are many similar complaints also. I am greatly concerned as I do not believe I owe this debt. Also, no one has contacted me or demonstrated that I owe any debt prior to placing this entry to my credit report. It is noted as an open/active collections account ( opened XXXX XXXX, 2015 ). I would like this situation resolved immediately. It is greatly impacting my livelihood as well as my ability to obtain credit or loans at reasonable rates. As a result of this my credit score dropped nearly XXXX points. I would like for this company to remove this erroneous collections account from my reports as I believe it is in error. I sent a debt validation request to the company ( see attachment ) and have yet to receive a response or any demonstration or proof that this debt is mine or why they can legally apply this to my credit bureau. If this is valid debt why not provide proof demonstrating so? this is very scary considering all the of the data and i identity breaches in the media lately. And, as I stated, My checking account was recently breached. I also disputed this with XXXX ( see attachment ) and did not receive an adequate response or poof or demonstration that the debt is mine or that they conducted a lawful, fair and adequate investigation, or that there is a legal and reasonable right to have this on my report. I also attempted to file a complaint for investigation & resolution with the Better Business Bureau XXXX see attachment ) and it lead no where. In essence, it seems like both the BBB and the Credit Reporting agency is simply siding with the Collections company and no one is complying with the law or concerned with my rights under the Fair Debt Collections Practices Act. How am I to advocate for myself when it seems confusing and like no one is playing by the rules? Why do they not have to supply evidence and proof that I owe the alleged debt, why not provide documentation and communication there of accordingly? For example : The better business bureau requested that I supply information to the collection agency before they would go further. Should n't the collections agency be providing this information? they must have had the information in order to add it to my credit bureau and for the credit bureau to decide it " remains '' correct? Why am I not privy to this information? This feels highly unethical all the way around and, it feels as if it 's meant to meant to further punish me and other citizens who are trying to exercise their rights, its seems fraudulentand illegal- like a run-around.
12/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75052	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Debt Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Subject : Request for Clarification on Debt Collection Practices Dear Debt recovery solutions I am writing to express my concerns regarding the recent debt collection communications I have received from your agency. I believe there may be elements of extortion in the process, along with federal and state law violations. I am seeking clarification on the matter. I reached out to DRS via phone call XX/XX/2023 at XXXX and spoke to the XXXX XXXX XXXX XXXX regarding this account. XXXX XXXX stated that this account has been submitted for deletion and that it would take 14-30 days to reflect. Upon doing forensic analysis on account XXXX that has posted to my credit file by DRS I have determined I have no record of business with DRS. According to the credit report the original creditor for this account is XXXX XXXX XXXX. I have never given consent to DRS to satisfy any debt on my behalf. DRS satisfied the debt obligation with XXXX XXXX and is now trying to extort me for an extension of credit which is a violation of 18 usc 894. The company has sent out correspondence, and has placed this account on my credit report ruining my character and harming my familys general mode of living. I request immediate clarification of this debt and an explanation of your collection procedures. I am prepared to take appropriate action which includes seeking criminal and civil penalties to address this matter. Im requesting DRS provide proper documents to debt collect in the state of Texas. Engaging in debt collection without filing a bond with the secretary of state is a violation of Chapter 392 and may also be a criminal offense. Tex. Fin. Code 392.402. The attorney general or a district or county attorney may investigate an alleged violation of Chapter 392. I will be submitting a complaint with the state attorney general along with the registrations unit. Registrations UnitStatutory Documents SectionOffice of the Secretary of StateXXXX XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX Im requesting the master purchase agreement between DRS and the original creditor for this disputed account. I will not accept just a bill of sale as that does not contain all information in the master purchase agreement. The completeness doctrine is to ensure the jury views the incomplete statements in its full context. Im sure the DRS attorneys understand rule 106 when presenting evidence in litigation. Im requesting the official affidavit of debt. Im requesting that DRS show me you are the original holder in due course of this debt. Im requesting all the accounting records that prove I owe this debt from the time the account was open up until today XX/XX/23. Based on case law billing statements and a contract alone does not provide sufficient verification of debt. Ill refer DRS to 2 cases Pacific Concrete F.C.U. v. Kauanoe and Spears v. Brennan. Im also requesting the original privacy notice. Under 15 usc 6802 The law states that 3 disclosures have to be given in order to share any non public person information. A consumer credit contract cant supersede federal law. Thats fraud. Also, the Federal Trade Commission states that without proper consent that is identity theft. 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information
02/04/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	CA XXXXX	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Debt Recovery Solutions LLC XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Re : Account Number XXXX To Whom It May Concern I am sending this letter to you in response to notice I received from you on XXXX XXXX, XXXX. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 169g2 Sec. 809 ( b ) that your claim is disputed and Validation is requested. This is NOT a request for " Validation '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agree to pay what you say I owe ; Provide a validation or copy of any judgment if applicable ; Identify the original creditor Prove the statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. If your office have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX, XXXX or XXXX XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, If any negative mark is found on any of my credit reports by you company or the company that represent I will not hesitate bringing legal action against you for the following : Violation of the Fair Credit reporting Act Violation of Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested, I will require at least 30 day to investigate this information and during such time all collection activity must cease and desist. XXXX of XXXX Also during this are validation period, if any action is taken which could be considered detrimental to any my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated verifying and account as account as when in fact there is no provided proof that it is. If your offices fail to respond to this validation request 30 days from the date of your receipt, all references to this account must deleted and completely removed from my credit file and a copy of such deletion request shall be sent to immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or my place of employment. If your offices attempt telephone communication with my, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit, All future communication with me MUST be done in writing and send to the address noted in this letter. CC : XXXX XXXX XXXX, Federal Trade Commission, Consumer Financial Protection Bureau, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Attorney General of California, XXXX XXXX XXXX Department of Consumer Affairs XXXX Sincerely XXXX XXXX XXXX XXXX of XXXX
10/01/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07093	Web
Back in XX/XX/XXXX and XX/XX/XXXX I received multiple calls from different collection agencies and an agency named Debt Recovery Solutions , LLC placed an account on all 3 credit reports indicating I owed {$310.00} to XXXX. Since I had received calls from other collection agencies, I called XXXX directly to confirm what was owed. They reported that they had only given my account to 2 different collection agencies and denied providing my account to Debt Recovery Solutions. I asked to pay them directly for what was owed and on XX/XX/XXXX I paid {$300.00} to XXXX, which included balance owed {$290.00} plus fees. I was advised that all collection agencies would be notified that the balance was satisfied and that I would no longer receive any contact. The thing was, Debt Recovery Solutions had never contacted me via mail or phone, but they did place the collection account on my credit reports. I did not check my credit report for over a year. Around a month ago I was notified by XXXX XXXX that 2 new collection agencies had placed collection accounts on my credit reports. I disputed them immediately, knowing that I had satisfied the amount owed to XXXX and did not have any other accounts with them and had not received any services from XXXX in the past few years. One collection agency removed their account but Debt Recovery Solutions remained. Last month I called them and spoke to representative XXXX. I asked her to provide me with a written explanation of the amount owed. Although the account had been on my report for over a year, she advised me that they had just requested documents from XXXX to provide to me in the past month and they were never received. If I owe further money to XXXX, I will pay, however, it is my right to receive an explanation of benefits indicating what this collection agency is claiming that I owe. Despite the fact that this account has been on my account for over a year and did damage to my credit score the collection agency never reached out to me. According to XXXX, I must contact their agency via fax to request this and told her no, if you are claiming that I owe money to you, it is up to your organization to provide proof, especially considering that I paid funds that XXXX claimed I owed. Since I did not receive anything from Debt Recovery Solutions in the past few weeks I submitted a complaint to the XXXX requesting that the collection agency provide a written detailed explanation to me of what they claim I owe. They responded by asking me to prove what I paid to XXXX. I don't owe them any proof or money until they provide a written detailed explanation of the money they claim I owe. Please assist me with this. I have disputed this account with all 3 credit reporting agencies and they have refused to remove the account but they have also refused to provide written proof of what they claim I owe. I have called XXXX on multiple occasions but reps refuse to speak to me about this account because it was purchased by Debt Recovery Solutions , LLC. They state I must communicate directly with the collection agency. What is a consumer to do when the original creditor will not communicate with them and the collection agency is not communicating at all regarding their claims? This seems unfair, unethical, and illegal.
05/06/2020	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 Their investigation did not fix an error on your report	FL 349XX	Web	Servicemember
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc. As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you. In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ). I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
04/30/2020	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 Their investigation did not fix an error on your report	FL 349XX	Web	Servicemember
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc. As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you. In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ). I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
07/26/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NE 68516	Web
Long story short I had XXXX back in XX/XX/XXXX I reviewed XXXX after getting discharged from the hospital and my bills were back dated. Things were a mess and finally got resolved after almost a year. All of my bills were finally all off of my credit minus a few here and there unfortuantely. All of my collections were officially removed about two years ago. I have not heard from collections, received anything in the mail, phone call or anything. My credit has been great, I 've never been late on a bill or anything. Well recently I got an alert from XXXX XXXX and have a bill sitting in collections for about {$670.00} I believe and I automatically contacted them wondering if maybe one slipped through recently since it was reported for XX/XX/XXXX.. I call and talk to a representive who says it 's from XX/XX/XXXX I explained to her that it was impossible because everything was taken care of and if anything it 's been seven years litterly in about a week. She told me my only option would be to pay for it again and threatened me that there was several other bills. I hung up with her and investigated the company as much as possible and read other people 's reviews of the exact situation I 'm suffering from and XXXX the same amounts. ( Which is odd ) I then filed a bbb report on them and was communicating with XXXX and I explained to him how it was clearly a scam and they have purchased or got a hold of old collection/medical bills and they 're trying to get me to pay for these again. He ignored everything I said and never replied acknowledging anything I was saying as it was my proof. I looked this company up on the assesors and it 's clear that they have had several licenses revoked and have went under serveral different business names as well. I still continued with the bbb dispute and the last response I received from him was " when they get proof it 's the consumers open debt they would send it out to me. '' So you mean to inform me that I have a collections account open when they have absolutely no proof but when and if they get something they will send it? So you 've never sent me anything? They also told me it 's now from XX/XX/XXXX and not XX/XX/XXXX. Regardless of it being XX/XX/XXXX or XX/XX/XXXX it would n't be able to be placed back into collections. They never responded to me, and I never heard or received anything. Bottom line it is illegal to place and old collections account back into collections. They have now called me from all kinds of different area codes repeatedly throughout the day but never leave messages and if I answer they say nothing to me. I feel like it should harassment to call through the night and all day with no response. I feel like they 're attempting to cover their end and have me back down on my dispute. I have filed disputes with all credit agencies, bbb and contacted my consumer complaint in XXXX and I 'll be doing XXXX as well after this complaint with you guys as I am now a XXXX resident. I just need help having this current bill put to a stop and all the others as it is effecting my credit tremendously. Thank You.
02/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48162	Web
There are 3 credit collection companies reporting duplicate credit accounts on my credit report. I have challenged several of the accounts and they are initially removed, and then placed back on my report sometimes several more times. The three companies involved are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and Debt Recovery Solutions , LLC. The first account is owned by XXXX XXXX for a balance of {$700.00}. This account appears on my XXXX report four separate times. The dates the accounts were opened are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This company is fraudulently reporting the same account multiple times for a total of FOUR delinquent accounts for one debt. The next account is owned by XXXX XXXX for a total of {$480.00}. This account appears on my XXXX account twice with opening dates XX/XX/XXXX, and XX/XX/XXXX. This same account also appears on my XXXX report 3 separate times with opening dates XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This company is fraudulently reporting the same account multiple times for a total of TWO and THREE delinquent accounts for one debt. The next account is owned by XXXX XXXX for a total of {$660.00}. This account is reported on my XXXX report FOUR times with opening dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This account also appears on my XXXX report FOUR times, with the same dates. This company is fraudulently reporting the same account multiple times for a total of FOUR delinquent accounts for one debt. The next account is owned by XXXX XXXX for a total of {$440.00}. This account appears TWO separate times on my XXXX report. The opening dates on this account are XX/XX/XXXX and XX/XX/XXXX. This same account is reported on my XXXX report TWO MORE TIMES by Debt Recovery Solutions , LLC with opening dates of XX/XX/XXXX and XX/XX/XXXX. This account appears to have been initially owned by Debt Recovery Solutions and was sold to XXXX XXXX however both companies are continuing to report the account and both companies are reporting the same account twice for a total of FOUR delinquent accounts reported for one debt. The next account is owned by XXXX XXXX for {$400.00}. This account appears on my XXXX report THREE separate times. The opening dates on this account are listed as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This company is fraudulently reporting the same account multiple times for a total of THREE delinquent accounts for one debt. And the final account is for a total of {$240.00}. This account appears on my XXXX account under XXXX XXXX TWICE with the dates of XX/XX/XXXX and XX/XX/XXXX. This same account appears a third time on my XXXX report listed as XXXX XXXX for the same total with an opening date of XX/XX/XXXX. These are all three clearly the same account. These companies are fraudulently reporting the same account multiple times for a total of THREE delinquent accounts for one debt. I've attempted to challenge these accounts, but as I stated, when I challenge the account they just add it on to my credit report for a third, fourth, or fifth time.
08/18/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 611XX	Web
On or aboutXX/XX/XXXX, Debt Recovery Solutions , LLC. sent me a " settlement offer '' for a debt that I had never received a bill for. Since I was attempting to get financed for a mortgage I accepted the settlement rather than disputing ( in hopes to keep the debt off my credit report ) and sent a check for {$210.00} ( the settlement amount ) on XX/XX/XXXX. The check cleared my bank on XX/XX/XXXX.The back of my check had a stamp stating " For deposit only : Debt Recovery Solutions , LLC Client Trust Account XXXX XXXX ''. On or about XX/XX/XXXX, I received another " settlement offer '' from Debt Recovery Solutions , LLC. This one was for $ {$140.00}. Assuming this must have been a mistake as the account had already been paid in full and I had the cleared check as proof, I took no further action at that time. In XX/XX/XXXX, I saw that the account showed up on my credit report marked as collections and unpaid. I disputed this 2 of the 3 credit agencies. XXXX removed the account. XXXX validated the debt. At the end of XXXX, I received a " verification letter '' regarding my debt due to XXXX validating it. This letter also requested me to " remit payment immediately ''. On XX/XX/XXXX, I contacted Debt Recovery Solutions LLC. regarding this and spoke to a XX/XX/XXXX. This man told me I never paid him. I explained to him that I had proof of payment. He asked me who I wrote the check to. I told him I wrote the check to the Company listed on the settlement offer that I received from Debt Recovery Solutions, which was " XX/XX/XXXX ''. He said " well that 's the problem, you did n't pay us so we do n't have a record of payment, you can either pay us or prove you paid XX/XX/XXXX '' The check that I sent for payment was mailed directly to Debt Recovery Solutions using the address and information that was on the settlement offer. The back of my check is stamped by Debt Recovery Solutions. This man repeatedly told me that I was lying and that they received no such payment and that they were not affiliated with XX/XX/XXXX. The first settlement offer and the second settlement offer equal the total debt due (XX/XX/XXXX+XX/XX/XXXX=XX/XX/XXXX ) It is my belief that they were attempting to scam me to get all the money. The settlement offers are both very different formats with the first one referring to XX/XX/XXXX as Debt Recovery Solution 's client and a full back page of a privacy statement regarding XX/XX/XXXX. The second settlement offer has XX/XX/XXXX listed on the front and refers to the offer as a " sale '' but offers no information regardingXX/XX/XXXXl. To date, They have not removed or corrected the collection information. They are falsely reporting me as an unpaid account every month to the credit agencies and they are still trying to collect money that was already paid. I have both settlement letters, the front and back of my check proving payment, the supposed debt validation, and the letter I faxed in an attempt to resolve this.
08/07/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 23229	Web	Servicemember
I pulled my credit report recently and noticed a collections account from XXXX that Debt Recovery Solutions is handling for {$220.00} opened XX/XX/XXXX. I dont remember having service with XXXX in XX/XX/XXXX. I do remember having service in XX/XX/XXXX for a brief time. When we had the XXXX XXXX service in XX/XX/XXXX, our home flooded and the electrical caught on fire. We had to move into a place with a friend while we found a home for ourselves. We lost almost everything in the flood and the fire did a lot of damage to our home. I had to be hospitalized for a short period of time due to complications with my existing condition as a result of the XXXX I had. When I came out of the hospital, going through the process of calling Insurance, gas, electric, and so forth, I called XXXX XXXX and canceled services and specifically advised that I was going through this XXXX XXXX because of almost losing everything in our house. I remember having to call several times because I kept receiving a bill for services that I did not have. Every time I called, I was advised that the services were no longer connected and one agent, for whom I do not have information for, advised me that I didnt owe anything and that they would send me boxes for the equipment. The boxes never came and if my memory serves me right, I even filed a complaint because I could not get you all to send me the boxes. After I sent the equipment back, I called to confirm the receipt of the equipment and was told that you had received it and that I did not owe a balance on the account. After that, I never heard from anyone until I pulled my credit report and saw this. This is unfair. You charged me for services that we did not have or could not use because of the flood and fire. This is taking advantage of customers during a rough time to make an extra buck. Now you have added it to my credit report which is going to prevent me from continuing to get back on my feet. The sad part is, my husband and I still get solicitation from you for XXXX. I want the collections removed as I tried to cancel the services but it seems that XXXX took advantage of me and kept charging me. I was also told that I did not owe anything by your agent. The fact that I told you all what we were going through, seems that that gave more leverage to XXXX to take advantage of the situation especially because of my XXXX/medical condition. It also feels like bait and switch where I was told my services were canceled and that I dont owe anything but now you all are changing it on me and slapping me with a collections account. I want this removed ; its {$220.00}! Not, $ XXXX! I am also notifying the FCC, my State Attorney General, CFPB, State Corporation Commission and other agencies to show how XXXX, and Debt Recovery Solutions, takes advantage of people when they are dealing with a hard situation, when people are the most vulnerable.
12/07/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78217	Web
DEBT REC SOL are in violation! I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( DEBT REC SOL ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( DEBT REC SOL ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report 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. '' This account is an adverse item they are reporting again without my permission which is against the law XXXX and XXXX are consumer reporting agencies and I am the Consumer According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of
08/24/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OH 44095	Web
To whom it may cocern went to threw XXXX XXXX XXXX to purchase a living room set it was 2 pieces fianced at {$160.00} a month for a 1yr the company name as follows.XXXX XXXX. this company charged me XXXX for my first payment to my debit card. Price {$160.00} cent the company was contacted by myself the fianc instatatution charged me a total ov {$990.00} on contract for 2 pieces ov used furniture I was told to first down payment ov {$27.00} for the furniture to be delivered I paid as agreed {$27.00} the first payment was exactly {$160.00} the fianc company was informed me the 1st payment was {$160.00} the company took a total ov {$320.00} on the first payment the company explained the amount went to another buyers contract this company blocked me from all cummcations to them I was very irriatated about being charged for someone elses contract I explained to the company XXXX XXXX XXXX I needed a refund for the full amount ov {$320.00} because the company breached the contract explained that XXXX XXXX took the the funds to pay anothers contract holders agreement.Now this was removed from my Credit Beuarus back in XXXX dew to the company not being able to provide documents to verify my personal info dew to this error another 4 party colllection agency has put this on my 3 credit files XXXX XXXX also XXXX I would like for this to be verified by Name SSN or identification DL that this account actually belongs to me if the collection agency or the credit 3major Credit Beuarus cant verfiy with anything butt my date ov birth I would like a full restoration to my 3 credit beraues as far my credit file and score to be updated correctly I would like to challenge this issue with this 4 party collection agency because ov past errors ov this being sold to another collection agency when it already has been removed because this collection agency has no accurate info iv called this collection agency to give me detailed info to me the suppose to be account holder the FCRA explains in XXXX XXXX XXXX that explains that collection on any dollar amount over {$100.00} 0 and over needs to have been court ordered on the civil process the FRCA explains that any and every amount over a {$1000.00} needs to be heard by a Civil COURT if the collection can not provide written documentation from the county the action was addressed in.It can be removed to the fair credit act act since XX/XX/XXXX I would like this updated and inaccurtess removed and also challenged also the XXXX XXXX XXXX charged me {$260.00} the company refused to return the products it has fell apart and at the dump site no way ov returning the company tryed to scam me out ov {$260.00} to return the product told the customer service team I didnt have no money to pay this company to return the product and the company refused to return it to the location deliverd from Thanks
09/09/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32765	Web
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This DRS account with a balance of {$450.00} has just popped up on my credit report without ever communicating with me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collection company. They are hurting me financially and this is a really big issue. To my understanding, they must comply with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature along with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me, this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have acquired my information and are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a fdcpa lawyer.
10/04/2020	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 Their investigation did not fix an error on your report	TX 77573	Web
This account reported by Debt Recovery Solutions was disputed in XX/XX/XXXX. The reported debt was unable to be substantiated and the account was deleted from XXXX, XXXX and XXXX reports. XXXX deleted the report XX/XX/2020, XXXX deleted the account XX/XX/2020. FOUR MONTHS go by and all of a sudden I receive three consecutive emails from XXXX stating that a dispute that I filed on XX/XX/2020 had been Opened, Investigated and being Updated. I DID NOT open a dispute on this account from Debt Recovery Solutions in XX/XX/XXXX. This account was no longer on my credit report as of XX/XX/2020. Why would I open a dispute on an account that was not even on my credit report?? That hardly makes sense. So, my issue is two-fold. WHO opened this dispute under MY NAME as if they are representing me? That seems pretty fraudulent. In addition, I sent XXXX and XXXX letters reporting this account had now been re-inserted onto my profile and my concern regarding this dispute being opened, disputed and updated as if it were initiated by me? I also requested XXXX and XXXX send me the information pertaining to this account that has allowed them to certify that this account has been verified, as is my right to know what is being reported. ANYONE CAN SEND YOU AN INVOICE STATING YOU OWE THEM MONEY. SOMEONE, SOMEWHERE HAS TO PROVIDE PROOF. XXXX and XXXX responded by sending a dispute update simply stating the account was certified as verified, No additional information to substantiate the reported debt, AGAIN. I sent Debt Recovery Solutions a request for validation as well and have yet to receive a response by them, that was in XX/XX/2020. It absolutely baffles me that these consumer protectors have very little regard to actually protecting the consumers and that XXXX and XXXX blatantly and repeatedly violate regulations set forth by the FCRA. Besides the violations and possible fraudulent misrepresentation from XXXX mentioned above, XXXX is reporting the account information incorrectly anyways. At what point will XXXX be held accountable for their violations and the destruction they continue to do to my credit with such erroneous reporting? The inaccurate reporting by XXXX and XXXX is preventing me, a single mother with a single income household, from obtaining credit and has directly caused me to be unable to purchase a home for my children and myself. When is it that XXXX will be held accountable for their negligent and Fraudulent activity? I have contacted lawyers and there are several offers for representation specifically due to the repeated, multiple violations in their reporting and their negligence in correcting their errors and continuing to cause damage after being informed ( multiple times ) of the errors in which they are reporting.
08/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 076XX	Web
This account XXXX XXXX XXXX XXXXXXXX balance {$1900.00} has just popped up on my credit report without ever communicating to me. This company is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely.To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING.The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
04/03/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 94596	Web
On XX/XX/XXXX I filed a complaint with the CFPB regarding this collection company trying to collect on an already discharged Bankruptcy debt recently. They responded with an answer of which I will paste right here : Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response XXXX XXXX - This office acknowledges receipt of the complaint you have filed with the Consumer Financial Protection Bureau. The account in question was referred to our office for collection in XXXX, XXXX. In light of the information provided in this complaint, we have closed our file and returned the account to our client for further review and processing. As such, you will not receive any further communication from our office pertaining to this account. Additionally, we have instructed the credit reporting agencies to have this account deleted from your credit profile. Please feel free to contact me directly if I can be of further assistance. XXXX XXXX Debt Recovery Solutions , LLC Managing Member/General Counsel XXXX As you can see, they had promised to have this deleted from all of the credit bureau agencies, but instead, not only did they not remove it, but it was added to my XXXX and XXXX credit reports after this response/answer was given to me stating otherwise. So it was removed from XXXX and added to the other two bureaus after the answer was given in regards to this matter. I even called and spoke to a gentleman over at DRS 's main phone number and told him what happened. He stated that he would have it removed immediately as well-that was over two weeks ago. Since then, this damaging entry still remains on my credit and I am fed up and done with trying to reason with this Company. The next step will be legal action. Who's to say that I haven't already spoken to an Attorney about this mess? I am finished playing games with this collection company. I feel like they have been lying and being very deceitful about this whole situation-From trying to collect on a discharged bankruptcy debt right up until now where they promised to remove this damaging credit report entry but instead ADDED IT to the other credit bureaus ' database after they had promised that it would be removed from all of them. I am not happy about any of this and I can assure you that if this doesn't get taken care of IMMEDIATELY, I won't hesitate to take this to the very next step that is legally available to me as a consumer. My credit is ruined because of these guys, I have suffered from many credit application denials because of this damaging credit report entry, and I have suffered beyond explanation both mentally and emotionally because of the stress that this has created for me over the last few months.
05/15/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 32209	Web
I have no idea who DEBT RECOVERY SOLUTIONS , LLC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. DEBT RECOVERY SOLUTIONS , LLC is indicating that an account with the account number XXXX, XXXX, XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized DEBT RECOVERY SOLUTIONS , LLC as third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ I have no idea who DEBT RECOVERY SOLUTIONS , LLC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. DEBT RECOVERY SOLUTIONS , LLC is indicating that an account with the account number XXXX, XXXX, XXXX and was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 5. Provide the delegation of authority from the Director of the Office of Management Budget to DEBT RECOVERY SOLUTIONS , LLC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate. Violation ( s ) : XXXX Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). * Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
04/07/2020	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 Their investigation did not fix an error on your report	FL 349XX	Web
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc. As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you. In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ). I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. I look forward to your immediate co-operation.
02/05/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NH XXXXX	Web
I have attached a copy of the Consumer Financial Protection Bureau order of XX/XX/2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the XX/XX/2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on XXXX, XXXX and XXXX XXXX respectfully. Since the XX/XX/2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.
05/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33409	Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX Last reported XXXX XXXX, XXXX {$1400.00} Open balance XXXX XXXX XXXX Original creditor Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious XXXX XXXX XXXX Last reported XXXX XXXX, XXXX {$1400.00} Open balance XXXX XXXX XXXX Original creditor I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California XXXXtop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
01/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30815	Web
On XX/XX/XXXX I then sent copies of XXXX legal affidavits, the XXXX County Deeds Office letter response, and a letter informing DEBT RECOVERY SOLUTIONS the following : I do n't know anything about this debt please send to the Original Creditor. The Account/Debt was established without my knowledge. As Resolution of this complaint, I ask that DEBT RECOVERY SOLUTIONS stop all current and future correspondence with me and their company be erased from my current credit report. COMPLAINTS XXXX On XX/XX/XXXX I sent a notarized affidavit to Recorder of Deeds in the county of XXXX County, XXXX, XXXX stating the following : I have received correspondence from the XXXX credit bureaus : XXXX, XXXX and XXXX that they verified this account DEBT RECOVERY SOLUTIONS via phone, email or fax. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with DEBT RECOVERY SOLUTIONS, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. On XXXX I received official correspondence from Recorder of Deeds in the county of XXXX County of XXXX, XXXX, ( XXXX XXXX XXXX, Clerk Superior, State and XXXX Court, XXXX County, XXXX ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XX/XX/XXXX I sent legal notarized affidavits from XXXX County, XXXX to XXXX, XXXX and XXXX stating the following : To the Following : 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 ) This is an unverified account. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with DEBT RECOVERY SOLUTIONS, ( XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ). On XX/XX/XXXX I then sent copies of these legal affidavits, the XXXX County Deeds Office letter, and a letter informing DEBT RECOVERY SOLUTIONS the following : I do n't know anything about this debt please send to the Original Creditor. As Resolution of this complaint, I ask that DEBT RECOVERY SOLUTIONS stop all current and future correspondence with me and their company be erased from my current credit report. Thank You, XXXX XXXX
09/24/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02302	Web
HI. Debt Recovery Solutions LLC- HOW ARE YOU? 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.
07/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30052	Web
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SS : XXXX RE : Social Security Number : To Whom It May Concern : I have recently been informed you that there is negative information reported by XXXX and the account claims I owe {$450.00} & Debt Recovery Solutions {$950.00} in the file you maintain under the last 4 of my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing of {$450.00} XXXX & {$950.00} Debt Recovery Solution. I also notice several inquiries on XXXX and XXXX well as follows 1. XXXX twice, 2. XXXX. I have attached the pictures of each credit bureau. I have been a victim of identity theft in the past. I am disputing the erroneous account and inquiries an an internal dispute which takes 3-5 business days. I am disputing the accounts listed on this letter and the inquiries as fraudulent. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with Debt Recovery {$810.00} all of the inquiries and provide me with original copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I sent a certified letter 4 months ago and I havent received a response through the mail or email. I mentioned that I am unaware of the account and the inquiries. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX SSN : XXXX XXXX XXXX XXXX XXXX GA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
10/11/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 027XX	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.
01/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33411	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION TO DISPUTE DEPARTEMENT TODAYS DATE:XX/XX/XXXX DEBT REC XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
08/03/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33407	Web
TODAYS DATEXX/XX/2019ATTENTION DISPUTE DEPARTMENT DEBT REC SOL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious DEBT REC SOL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1979 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
11/30/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37128	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Debt Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Acct # XXXX XXXX To whom it may concern : On XX/XX/XXXX, I wrote to you requesting Validation and an investigation into items that I believed were inaccurate. To date, I have not received any such validation. The only reply from Debt Recovery Solutions was via CFPB portal on XX/XX/XXXX. In my previous request directly to you, I listed my reason for disputing the information and requested validation. Since this is my second request, I will also be sending a copy of this letter to XXXX Federal Trade commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am forced to take such action. Please note that on XX/XX/XXXX the CFPB released its Fair Debt Collection Practices act Annual report and stated the following. The Bureau notes that one or more debt collectors continued collection activities despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation request to the relevant clients who mailed responses directly to the consumers. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until it ( meaning the collection agency ) Obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities. Instead, one or more debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt collectors continued collection activities on accounts in violation of section 809 ( b ) of the FDCP. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. Therefore, cease your collection efforts and reporting of this account on my credit reports Immediately. Sincerely, XXXX XXXX XXXX
11/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MD 20745	Web
Ref # : DEBT RECOVERY SOLUTIONS has report this account account as open XXXX XXXX, XXXX Open Account # XXXX {$240.00} Balance XXXX Original Creditor {$240.00} High Balance XXXX XXXX, XXXX Opened Date - XXXX XXXX, XXXX Last Reported I would like to dispute the item noted above on my credit report I have made every attempt to obtain information related to this item reflected above that is being reported on my credit report under the name Debt Recovery Solutions. Between the original creditor and the agency noted in this dispute the original creditor provided me with XXXX other companies that they assigned their debt collections too and still no one has any knowledge of this debt. As a result, I have not been able to verify the following : 1. Original date of service, account number & place of service/provider 2. The original creditor does not have the account number, nor information as to who the debt is owed to yet they have assigned it to a party to be collected. 3. I 've contacted " Debt Recovery Solutions '', 4 times via phone regarding this matter over a 60 day span and was told by the call center rep. that a request to have the item remove would be forwarded to the manger. As of XXXX XXXX, XXXX, upon reviewing my credit report I notice that Debt Recovery Solutions recently update my credit report on XXXX XXXX as an outstanding collection item reflecting {$240.00}. I then decided to email them so that I could have a form of communication that could be documented. It 's not doubt that the item referenced above is no longer with them yet they still continue to report this debt after I 've brought this to their attention months ago. I 've attached a copy of the email chain. It was only after I call and told them that I would be making this compliant that they respond stating that they would take care of it. I am still filing this compliant because they knowing continued to report false information. This account has not been with them since XXXX, XXXX and the reason. I know is because I 've been asking them for details in order to resolve the matter yet they would not respond.
12/21/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 94596	Web
Back on XX/XX/2020, I received a response from this Company which was this -- -- -XXXX XXXX - This office acknowledges receipt of the complaint you have filed with the Consumer Financial Protection Bureau . I have carefully reviewed our account history and have confirmed that instructions were submitted to the credit reporting agencies to have this account deleted from your credit report. On this date we have submitted an additional set of instructions to have this matter deleted. If you wish, I can provide you a letter confirming that your account is closed and this matter should be deleted from your credit history. Please accept my apology for this issue. Please feel free to contact me directly if I can be of further assistance. XXXX XXXX Debt Recovery Solutions , LLC Managing Member/General Counsel XXXX -- -- Since then I have made several phone call attempts to this Company and Mr XXXX requesting that he supplies me with the correct information and name of the Company in which they had tried to collect on a previously discharged Bankruptcy debt for. Because the name that had been given to me when I first learned about this debt and contacted them was incorrect. They told me that the debt was for my XXXX credit card, however after further investigation, this is not true. Therefore, I will once again ask them through this complaint portal for the correct name of the Company that had sold them this debt or the name of the original creditor, preferably just the name of the original creditor would be sufficient. Since I have tried to request this information by telephone, and have received absolutely no response from them regarding this request, I am forced to file yet another complaint through here requesting this information from them. This is unacceptable for them to completely ignore my requests for the name of the original creditor since this has affected me a great deal since the collection had began by this company, negatively affected me I should say since then. It is my right to know the details of this collection attempt if I should choose to request it from them anyhow.
01/18/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	IL 60411	Web
Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zip : XXXX, NY XXXX RE XXXX Account This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ) , the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b ) that 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 named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting ActViolation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
07/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92037	Web
Dear CFP : Here 's my situation : I had XXXX home phone and internet service XX/XX/XXXX-XX/XX/XXXX ( XXXX, PA XXXX ) and as internet was non-functional, I cancelled my plan and account. After this cancellation, I spoke to various XXXX departments explaining the non-working Internet situation ( while on phone, XXXX was successful in locating tech service calls to my apartment and inability to get Internet working properly ) and was told my account would be credited for the remaining balance of {$140.00}. Unfortunately, the XXXX staff responsible for making this happen, failed and my credit report is again being UNLAWFULLY hit by a debt collection company named " Debt Recovery Solution '' ( pdf attached ). Here 's the interesting part of this : - I 've called XXXX wanting to follow up with my account status and ask to have what was promised to me years ago, finally done. - XXXX ca n't access my account because it 's been sold to a debt collection agency ( Debt Recovery Solution ) - I 've called " Debt Recovery Solution '' and they tell me they ca n't access my account and refers me back to XXXX. ( Although they 'll gladly take the {$140.00}. ) - I call XXXX, again, explain the situation, and they, again, refer me to the debt collection agency because my account is " not in their system ''. - I 've also disputed this on my credit report earlier this year, and " Debt Recovery Solution '' mysteriously disappeared from my credit report. - XX/XX/XXXX : My credit reports are hit, again, now with both XXXX and Debt Recovery Solution and charge mysteriously reappears. Neither company can help clear this up and as services were n't provided, and as XXXX promised to credit my account XX/XX/XXXX for the {$140.00}, my credit is suffering from both companies inability ( and unwillingness ) to correct. So I 'm hoping CFP can not only mediate and have corrected but will also prevent either company from touching my credit reports for this item. My former XXXX account home address : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
01/02/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 89106	Web
RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : DEBT RECOVERY SOLUTIONS To Whom It May Concern : I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program and I saw an incorrect trade line for an account from DEBT RECOVERY SOLUTIONS for SHADOW EMERGENCY PHYSICIAN in the amount of {$1700.00}. The account status show past due, which is incorrect and inaccurate. It should not say past due as this debt is not owed. I am requesting both a validation and " verification '' as well as the signed HIPAA release with my signature as the item being reported to the credit bureaus by DEBT RECOVERY SOLUTIONS is a VIOLATION of the HIPAA Act of 1996. DEBT RECOVERY SOLUTIONS did NOT provide me a HIPPA release that releases my medical information to them, therefore by SHADOW EMERGENCY PHYSICIAN providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against DEBT RECOVERY SOLUTIONS as well as SHADOW EMERGENCY PHYSICIAN should this item not be deleted within 10 business days and until the debt has been validated and verified. DEBT RECOVERY SOLUTIONS is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I am seeking a legal remedy immediately as I have contacted Legal Services to obtain an attorney for free to file suit against RDEBT RECOVERY SOLUTIONS, SHADOW EMERGENCY PHYSICIAN, and all 3 credit bureaus : XXXX, XXXX and XXXX. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from DEBT RECOVERY SOLUTIONS expeditiously as I have no idea where this debt is coming from and I do not owe this company any money. Additionally, I can prove that at the time of service, I was both unemployed and homeless. I completed the financial assistance forms, which should have taken care of any costs associated with my medical care.
08/19/2022	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	VA 232XX	Web
This debt is from XXXX. Which I payed multiple amounts an double the amount owed. Then fell behind they contacted last year XXXX me telling me there taking me to court an I have to pay. Being very assertive during this phone call an only tryin to get me to say I would pay. I told them no because its a illegal loan in my state which I didnt know when getting it with 299.99 % and in VA anything over 16 % is illegal an that I paid well over the original debt. so it went to collections which I have email them asking for all info like my payment history since they shut my account down an wont show what I paid. I have disputed this multiple times an they wont because they contact them tan they say everythings legit. They say I owe XXXX $ on a XXXX $ loan that I paid for multiple months. Ive told them that the original loan is illegal in my state an refuse to pay anymore of it. After they contacted me saying there a lawyer for the company. An I refused they sent it to debt recovery solutions. And they will not remove it. I have paid this debt off an some. An there still tryin to get XXXX $ On XXXX $ loan that was paid for months but is now XXXX $ I have not received a email with the info I requested to see if they can legally collect this debt. They never contacted me again after the supposed lawyer called me they sent it to collections which they never contacted me until I disputed it an they got my address. If I would have known for that year these loans are illegal in my state I wouldnt have done it. I been dealing with them for years now of calling an sending letters. I got it removed from one credit bureau but others will not an just send them my address so they start mailing letters. The letter attached is the last letter that the collections sent its roughly 8 pages. But havent send me what I asked for showing my payments made on the account even XXXX XXXX XXXX didnt they shut it down so I cant login. I have emailed them since asking for everything got no response to the email thats on the letter attached
11/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91950	Web
I, XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with These reporting agencies./// These company ( DEBT RECOVERY SOLUTIONS, XXXX XXXX XXXX, RENT DEBT XXXX XXXX , ) willfully violating the FCRA. Without my direct written consent those reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf./// Those reporting agencies based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// Those reporting agencies are harming my reputation, by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) Those reporting agencies need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by Those reporting agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) Those reporting agencies may not furnish negative information to my consumer report without with my written instruction. No consent is identity theft pursuant to 12 CFR 1022.3 ( h ) //// THEY NEED TO REMOVE AND DELETE THESE ACCOUNTS IMMEDIATELY from my consumer credit report. Failure to delete will result in immediate court action in Federal District for the above referenced violations, I'll be seeking remedy and damages under 15 USC 1681n.
10/31/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	OH 430XX	Web
Recently while conducting a monitor of my credit report I discovered that DEBT RECOVERY SOLUTIONS # XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to DEBT RECOVERY SOLUTIONS to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than basics to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 3.Cease any credit bureau reporting until debt has been validated by me. 4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency
02/24/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	IA 506XX	Web	Servicemember
DEBT RECOVERY SOLUTIONS has reported to my credit report of a collections account that has started appearing on it as of today. I have no idea what this debt is, nor received ANY form of notification of this by mail or phone that a " debt '' was due and owing. It appeared on my XXXX credit report on XX/XX/XXXX, with a opening date of XX/XX/XXXX. This is false information, as I have no knowledge of any debt from the original creditor of " Check Into Cash ''. Which appears to be some sort of payday loan provider, which I do not have any knowledge of obtaining any payday loan of any sort. This original account is over the statute of limitations for California, as well as being past the time in which it is allowable to be reported to my credit reports. The information showing on my credit report is as follows Account : Account # XXXX Alleged balance : {$6000.00} Send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I need more details about what you claim I owe so that I can make an informed decision.
08/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 22180	Web
A XXXX sales agent contacted me in XX/XX/XXXX to inquire as to whether or not I was interested in switching from my phone provider to XXXX. The agent explained that the promotion entailed XXXX free minutes a month to any country of my choice. I inquired if the promotion included the XXXX XXXX. The agent replied in the affirmative. I expressed my surprise at this and ask for confirmation that the XXXX XXXX was included in the promotion. The XXXX agent again replied " yes - the XXXX XXXX is included ''. I selected the XXXX XXXX as my country for the free minutes and indicated to the XXXX agent that this was my sole and only reason for accepting the promotion and offer to switch to XXXX. She congratulated me on my selection. In fact, the promotion did not include the XXXX XXXX and the bill for the XXXX month was {$800.00}. I called XXXX and the agent explained that the promotion in fact was never intended to cover the XXXX XXXX. I explained that I relied on the XXXX agent who misinformed me and cancelled my XXXX phone service. XXXX apologized for its error and indicated that I would not have to pay the bill. I received a credit for {$800.00} on my final bill. When I contacted XXXX on XX/XX/XXXX, a representative confirmed that I owed {$0.00}. However, I recently discovered that XXXX has turned the bill over for collection, ( the name of the company is Debt Recovery Solutions ) which has negatively impacted my credit score and has prevented me from refinancing my mortgage. I have contacted the debt collection agency, which indicated to me that it has no information to support my assertion that the money is not owed, and that therefore, they will continue to try to collect the {$800.00}. I again contacted XXXX, which informed me that since they sold the debt, that there is nothing that they can do to assist me to resolve the matter. Thanks you for your assistance and keep up the good work that you do on behalf of the American people.
05/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 23139	Web
XX/XX/2014, my husband and I submitted a letter to Debt Recovery Solutions , LLC to provide proof of a debt they were trying to collect on from XXXX. In XXXX, my husband called XXXX and they stated they had to record of such debt. We received a letter dated XX/XX/XXXX that our debt was held by XXXX ( same information, no proof that we owed the debt ). I called XX/XX/XXXX and spoke to XXXX about the debt. He said XXXX XXXX would call me back that night. She did n't. I called again on XX/XX/XXXX to follow up since I had n't heard anything. Spoke to XXXX. He said that XXXX XXXX was on vacation. I asked if she were on vacation for the past XXXX days. He just stated she 's on XXXX. He tried pulling up the account. He initially said that he could n't pull up the account with the account number I gave him and wanted my social security number. I refused to give it. He tried the account number, brought it up and looked at the account. I explained that I want, not verification of this debt, but PROOF we owed the debt. He simply verified that we lived in the house and that we had this phone service. I explained that when my husband called in XXXX, XXXX told him they could not find any record of such a debt and we 're looking for proof. If they can prove the debt, we 'll pay it, but otherwise we do n't feel it 's a valid debt. In the course of this interaction and asking for proof, XXXX told me that the burden of proof is on me, that they do n't have to prove I owe the money. I explained that from my research, it seems they need to be able to prove I owe the debt. He said that he would have a manager call me back in XXXX hours, but I pointed out that I 've already waited XXXX days for a return call. I have asked that they provide a letter from XXXX stating that we owe this debt, not just to verify the debt. XXXX eventually said, he was n't going to talk about it any more and said he was going to cut off the call, which he did.
05/18/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 19121	Web
XXXX has continued to include a debt of {$1700.00} by XXXX on my credit report. I check my credit report monthly. XXXX removed the debt on XXXX XXXX, XXXX through the agency DEBT RECOVERY SOLUTIONS. This debt is not mine I did not open the account and XXXX understood that. XXXX is now using the same agency, DEBT RECOVERY SOLUTIONS, however the agency and XXXX has continued to deny my monthly disputes. DEBT RECOVERY SOLUTIONS opened the account XXXX XXXX, XXXX, I disputed the debt XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX. On each dispute I included that I did not have any acknowledge of the account nor whom opened the account. When I contacted DEBT RECOVERY SOLUTIONS the representative was rude to me claiming that I knew who opened the account. I asked to speak to the supervisor, she was not available but called me back later that night. When she called she was also rude telling me to contact XXXX. I am contacting the FEDERAL TRADE COMMISSION INSTEAD due to the misrepresentation of XXXX has continued to include a debt of {$1700.00} by XXXX on my credit report. I check my credit report monthly. XXXX removed the debt on XXXX XXXX, XXXX through the agency DEBT RECOVERY SOLUTIONS. This debt is not mine I did not open the account and XXXX understood that. XXXX is now using the same agency, DEBT RECOVERY SOLUTIONS, however the agency and XXXX has continued to deny my monthly disputes. DEBT RECOVERY SOLUTIONS opened the account XXXX XXXX, XXXX, I disputed the debt XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX. On each dispute I included that I did not have any acknowledge of the account nor whom opened the account. When I contacted DEBT RECOVERY SOLUTIONS the representative was rude to me claiming that I knew who opened the account. I asked to speak to the supervisor, she was not available but called me back later that night. When she called she was also rude telling me to contact DEBT RECOVERY SOLUTIONS.
12/11/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TN 370XX	Web
XX/XX/XXXX I received a letter from Debt Recovery Solutions stating that I owe them {$350.00} for a XXXX XXXX payday loan that was paid XX/XX/XXXX. Myself and my relatives have been receiving phone calls threatening lawsuits and letters from multiple companies regarding this debt and despite paying it, I keep getting letters and phone calls. The letter from DRS offered a settlement so I called and paid the {$280.00} hoping that paying a second time would stop the phone calls. Shortly after paying these people a company named XXXX XXXX XXXX calls and says they are filing a civil complaint against me regarding this XXXX XXXX payday loan. I called XXXX XXXX who stated that the debt was sold to XXXX XXXX. I filed a XXXX and CFPB complaint against XXXX XXXX because I contacted them XX/XX/XXXX about the same issue and I received an email from XXXX XXXX stating that my account was closed and I would not receive anymore calls regarding XXXX XXXX. XXXX XXXX responded with the following, MESSAGE FROM BUSINESS : RE : XXXX XXXX Please be advised that your account status has been updated to settled in full, it no longer carries an outstanding balance and is now permanently closed. All necessary parties have been notified of the issue and will cease all/any further attempts to contact you regarding the account. The error was caused due to a technical issue during a data upload but has been fully addressed to correct the status of the account. We apologize for the inconvenience caused by account error. If you wish to discuss the status of your account or want further detail or elaboration, one of our team members will reach out to you at your convenience. On XX/XX/XXXX, DRS refunds XXXX to my checking account thats associated with the debit card I paid them with, and on XX/XX/XXXX posts a collection account on my credit report for XXXX XXXX. I want it removed and I want to know why it was placed on my credit report.
10/02/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 62269	Web
Debt Recovery Solutions LLC tried to collect a {$460.00} XXXX debt several years ago. This debt is attached to an address where I never resided and the debt is not mine. I do not and have never had a debt with XXXX. I do not have any outstanding debts for that matter. I have impeccable credit. I contacted DRS years ago to resolve this and was informed that the account would be closed. Now, years later, DRS has reported a tradeline to XXXX When I contacted DRS, I was told I had to provide my SS # and I refused, but the representative did read aloud the last 4 of the SS # on the fraudulent account- it is very clearly not my SS #. The representative still said he could not do anything since I was not willing to provide personally identifying information. I contacted the company via their compliance email on XXXX/XXXX/XXXX and received no response. I filed a complaint with the BBB on XXXX/XXXX/XXXX. DRS responded that they had completely closed down the file and removed the tradeline from my credit report. After several days, it was clear that this did not happen. I responded via the BBB. DRS responded again and said they have record that this did happen on XXXX/XXXX/XXXX. I provided proof that it did not and DRS said, on XXXX/XXXX/XXXX, that they would look into the matter immediately and send an expedited deletion request to XXXX for the tradeline. I spoke to a representative at XXXX on XXXX/XXXX/XXXX who informed me that no electronic transaction had been initiated in any way by DRS. I opened a formal dispute with XXXX. I also responded again via the BBB on XXXX/XXXX/XXXX to inform that there is still no evidence that DRS has requested the tradeline be removed nor shut down the file. DRS is no longer responding. It is COB on XXXX/XXXX/XXXX and still nothing has been resolved. The fraudulent tradeline is still on my credit report and XXXX is still reporting no movement from DRS.
10/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 37128	Web
Tittle : Debt Validation XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Be advised 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- named title and section. I respectfully request 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 reported invalidated information to any of the 3 major credit bureaus { XXXX, XXXX, or XXXX ) this action may constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found 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 Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices can provide the proper documentation as requested in the following declaration, I will require at least 30 days to investigate this information, during which 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 my legal counsel for suit. This includes any listing of information to a credit a credit reporting repository that could be inaccurate or invalidated. If your offices fails 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. XXXX XXXX XXXX
06/27/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 37167	Web
I received a letter in the mail dated XX/XX/2023 stating that Debt Recovery Solutions were trying to collect for XXXX XXXX XXXX XXXX XXXX XXXX. Believing this was a fraudulent letter, I did not respond as I did not recognize that medical facility. I also reviewed the medical facility who has multiple fraudulent reports similar to this. I then received another letter on XX/XX/2023 stating I owed the same amount. ( {$620.00} ) but could pay now for a discount ( {$460.00} ). Again, I believed this to be fraudulent mail. This account was opened on my credit report on XX/XX/2023 for dates of service on XX/XX/2023. I attempted to contact XXXX XXXX XXXX XXXX XXXX XXXX through an automated system to find my account or billing information to no avail. The system could not find me. I then resorted to the XXXX. I submitted a XXXX claim on XX/XX/2023. It was closed on XX/XX/2023 due to a lack of response from the company. I then submitted a dispute through XXXX on XX/XX/2023 stating that I had no knowledge of this account. It was updated on XX/XX/2023 stating Dispute information was verified as accurate. Today ( XX/XX/2023 ), I contacted XXXX XXXX. I spoke with 4 people : XXXX and XXXX ( supervisor ). Two of the individuals hung up before I could verify the names. All of these individuals looked up my information and informed me that I was not in their system. XXXX checked both the emergency medicine system and their general system and noted that I did not have an account there. Following these calls, I contacted Debt Recovery Solutions multiple times via phone attempting to speak with someone about this credit. I received no answer. I was unable to leave a voicemail. I was unable to be redirected. Given that XXXX XXXX has no record of me, I am inclined to think this is, again, fraudulent reporting. I would like for this collections report to be removed from my credit history.
04/05/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MA 01854	Web
I used to have an account with XXXX Internet service in XX/XX/XXXX. Today, I was advised from a collection agency called Debt Recovery Solutions , LLC that I owe XXXX. I know I do not owe this amount, so I called XXXX directly on XX/XX/XXXX at XXXX XXXX EST, and spoke with a XXXX representative from XXXX ( after being transferred a few times ) who located my account by address, and he told me that I do not owe any amount. He said when the account was active, the account was always paid in full every month. I asked him, " what should I tell the collection agency? ", and he said that I should give them my account number and they should be able to see that I do n't owe any balance. Unfortunately, I did not get the XXXX rep 's name, thinking the account number would be sufficient but if their calls are recorded, then they should be able to locate that call to verify. So I then called Debt Recovery Solutions, and spoke with a XXXX, and explained to him that this is not a valid debt because XXXX had just reviewed my account information and told me that I do n't owe anything. XXXX said he would remove the collection from my report, if I got a confirmation number from XXXX. So then I called XXXX immediately after my call with XXXX from Debt Recovery Solutions. I spoke with XXXX from XXXX XXXX XXXX, who took a very long time trying to locate record of which I owe any amount. She did not find any amount that I owe to XXXX, she does not show that I owe anything, however she could not confirm or deny that I owe {$160.00}, and referred me to Debt Recovery Solutions to verify if the debt is true, but when calling Debt Recovery Solutions, they are aggressively attempting to collect this amount regardless if this amount is true or not. If XXXX saw that I do not owe anything, then why would she refer me to the collection agency to pay something that I do not owe?
05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33967	Web
Received a statement in mail indicating Debt Recovery Solutions , LLC is trying to collect a debt that is not mine. In checking my credit file I found that they have reported it as a collection and has caused my credit score to go down drastically. The statement is dated XX/XX/2023 and states the original creditor is XXXX XXXX. The current creditor is XXXX XXXX XXXX Client Account Number is XXXX Reference # is XXXX Pin # XXXX Balance Due is {$220.00} Discount offer is {$160.00}. When I phoned Debt Recovery Solutions LLC on XX/XX/2023 I spoke to XXXX XXXX at XXXX XXXX for XXXX minutes. He indicated that he was unable to send me the documents that pertain to this collection since I was not willing to give him my Social Security Number and Date of Birth. I gave him all the information on the statement received and told he should be be able to pull up the information from that and send me the information for me to turn over to the proper authorities for prosecution. I asked for the contract for the pay advance loan, the payroll check used for this, the place the transaction took place and the account the funds went into. I informed him this is a fraudulent account and I at no time had obtained a pay advance loan and did not receive any money. When I asked to speak to supervisor, he stated there was not a supervisor there and I would have to call back the next day. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report account number XXXX in the amount of {$220.00}. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If they are unable to verify the account with the original contract, the information should be removed from my credit report immediately.
11/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WI 530XX	Web
Notice to agent is notice to principal, notice to principal is notice to agent. After careful review of my consumer reports, I noticed an account on my report from DEBT RECOVERY SOLUTIONS account number : XXXX. I, XXXX XXXX, have not received any goods or services from this company ; nor have I ever done any business with the company. I am unsure of how this company illegally obtained any of my information as far as my name, ssn, and dob. As I know that only a contract/ signed agreement between DEBT RECOVERY SOLUTIONS and myself would make me legally bonded to any debt that they may claim. I am very certain that I have never provided any wet signature or provided any of my personal information to this company on any agreement. With that being said, had DEBT RECOVERY SOLUTIONS sent a Debt Validation Notice as they are lawfully required to per FDCPA ; I would have been able to rightfully dispute this account before they unlawfully caused extreme harm to my consumer reports. I am requesting that DEBT RECOVERY SOLUTIONS provides proof of delivery/receipt that they have sent a debt validation notice. I have never received any written or verbal communication as directed via FDCPA Law allowing me the proper opportunity to dispute this invalidated debt. Enclosed you will find an invoice requesting {$1000.00} per account that is unlawfully reported on my consumer report. If you can not provide proof of delivery to this address XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX, prior to todays date XXXX, XXXX, 2023 I am entitled to compensation. Please be mindful that a certified documentation must be provided to prove that your company followed FDCPA laws. Consider this a demand to cease and desist as well as a notice of unlawful conduct of failure to distribute proper notice. Please remove this account off my consumer reports.
03/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32818	Web
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
07/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	DC 20018	Web
I previously filed a notice of direct dispute with several collection agencies ( namely XXXX XXXX doing business as " XXXX '' & " XXXX XXXX '' and XXXX XXXX ), under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information reported to my credit file in XXXX for entries made to my credit report at XXXX and XXXX for an amount of {$4400.00} with an original creditor of XXXX XXXX. Both entries were subsequently deleted as the collection agencies were not able to verify/validate that the debt belonged to me as they found the information to be inaccurate or incomplete, or could not verify the accuracy or completeness of the disputed information. As required under FCRA 623 ( 1 ) ( E ). However, I received an alert from my credit monitoring subscription that a collection account was added to my XXXX credit report on XXXX XXXX, XXXX. This entry is from Debt Recovery Solutions , LLC, has an account number of # XXXX, is for the amount of {$4400.00} ( identical to the amount for the previously disputed and deleted accounts ), but lists the original creditor as XXXX XXXX. XXXX XXXX is one of the collection agencies, as I noted above, with whom I have previously filed a direct dispute for this exact account and for which they are not the original creditor. I have never had an account with XXXX XXXX. It is my belief that they are re-reporting this inaccurate account in an attempt to fraudulently collect in violation of FDCPA 15 USC 1692e ( 8 ) by communicating credit information which is known or which should be known to be false, and 15 USC 1692f by using unfair or unconscionable means to collect or attempt to collect any debt -- by re-reporting the account with a different original creditor and placement date to result in a greater negative impact to my credit scores.
12/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA XXXXX	Web	Servicemember
I was contacted on in XXXX of this year 2019 by Debt Recovery Solutions , LLC saying I owe them {$310.00} and asked me how did I want to pay it. I asked them why I owed them {$310.00}. They said because I took out a payday loan from XXXX XXXX XXXXg 5 years ago and never paid back the loan. I asked them if they were XXXX XXXX XXXX? They said no, but now I owe them the money? I did not remember taking out a payday loan and requested a Validation of Debt letter and gave them my mailing address. I received a letter that was in the form of a bill with a 50 % OFF offer of {$150.00} and a web site address with payment information. I did not recieve a Validation of Debt Letter as requested. Same Company sent me a letter stating I owe them {$3100.00}. I called them and asked them to send a Validation of Debt letter, and to this day, nothing has been delivered validating this debt. I am afraid they will also report this debt as a collection on my credit reports as well. They said I owe XXXX XXXX and XXXX XXXX XXXX, and they asked me to give them my credit card. I got upset and the guy told me not to be a XXXX about it and just pay what I owe. I hung up on them. They were very mean and rude. They told me to pay them and they would send the money to Debt Recovery Solutions , LLC Then all of a sudden I get a collection reported on my credit report by XXXX XXXX XXXX so it appears, but the address is the same address listed on the Debt Recovery Solutions , LLC letter I received and same as on their website. XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. The stated on the phone that the debt was 5 years old, but on the credit report it states the account was opened inXX/XX/2019, this is fraudulent and unfair debt collection practices. False Reporting on my XX/XX/XXXXCredit Report
11/09/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 305XX	Web
Hi, The debt collection agency, Debt Recovery Solutions LLC, just placed an 8 year old discharged debt on my credit report as " In Collections '' and reported the date of the debt as XX/XX/2021. This is false reporting and has hurt my ability to obtain a lower interest rate on a home loan that I need to close within 45 days. I found out about the debt on my report when I applied for the loan. Terrible timing and a good example of illegal debt collection tactics by this debt collection agency. The original debt was with XXXX, I believe it says, and it looks like they purchased the debt from them, or another debt collection agency. Also, I never received any notice from this company informing me of their intentions to illegally pursue an 8 year old debt in the state of GA where the statute of limitations is 4 years. To make matters worse, I am fairly certain that the {$11000.00} they are reporting is much higher amount than the original amount owed. All I have are the last four digits of the account number, XXXX. I've attempted to call Debt Recovery Solutions but have not reached anyone to discuss the issue. After talking with someone who has had this happen before, they advised me to not talk to anyone at the agency as they will attempt to get you to agree that you owe the debt, therefore allowing them to place the debt on my credit report and seek full payment as if I owed the debt today, not 8 to 10 years ago. Can you help me resolve this issue and provide me information on the best way to seek damages from the collection agency. It's very disheartening to see a company do this to people in a time such as this. I am attaching a screenshot from XXXX. It's the only information I have for the collections debt. Thank you for any help you can provide. Sincerely, XXXX
12/20/2022	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	SC 298XX	Web
I checked my credit report this year and there is a loan showing on the report for {$3900.00}. It shows the loan was open on XX/XX/XXXX. It has very derogatory remarks on my report saying that the loan is 3 months past due, but I never opened a loan for this amount. This is false information and needs to be corrected. I have not taken out a loan in XXXX. If this is an incorrect date my report needs to be updated to reflect correctly. I've tried calling debt recovery solutions to get them to update the record but they are saying that they can not change the record. When I disputed this with XXXX, XXXX, and XXXX and all three stated that this meets FCRA requirements. They also shared that the loan wasn't opened XX/XX/XXXX, but it went into collections back in XX/XX/XXXX. The problem for me is that on my credit report, it is being displayed like this is a brand-new loan, when in actuality this loan is extremely old. The dates should reflect that on my credit report and it is not. I don't know what more to do about this issue. The confusion came about when it was put on my credit like it was opened this year. I thought I had encountered identity theft, and the confusion could have been avoided if Debt Recovery Solutions had put accurate information on my credit report. I don't feel comfortable with discussing payment arrangements because based off of the reviews about this company, there are multiple people stating that they have paid and it hasn't gotten removed from their credit report. I am asking for help to resolve this matter. Attached are the screenshots from XXXX, XXXX, and XXXX where it is being advertised that this loan was opened XX/XX/XXXX. As you can see, XX/XX/XXXX is nowhere on my credit report. They are making it seem like this is a brand-new loan.
04/28/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AZ 85086	Web
ON XX/XX/XXXX 2 DUPICATE MEDICAL COLLECTIONS POP ON MY CREDIT REPORT AND I GET ALERTED ABOUT A CHANGE ON MY CREDIT REPORT SO I INVESTGATE. MY SCORES DROPPED ALMOST 200 POINTS IN A SHORT TIME.. I CALL DEPT RECOVERY SOLUTIONS IN NEW YORK, THEY SAY THERES NOTHING. WAIT HOLD FOR A MIN THEN THEY HANG UP .I CALL AGAIN AND SAME GUY I TALK TO .I TELL HIM WE GOT DISCONNECTED. AND HE LIES AND SAYS WASNT HIM LOL. I M NOT DEAF CLEARLY SAME GUY AND SAME JOKING I HEARD IN BACK GROUND. SO HE SAY HOLD ON AND CLICK HANGS UP. I CALL FOR THE 3RD TIME AND SAME GUY. AND SAYS THERES NOTHING IN SYSTEM MR XXXX. I SAID THATS NOT MY NAME AND SAID MY NAME .THEN HE ASKED FOR SS # AND DOB I LAUGHED I SAID HOW ABOUT I GIVE YOU ACCOUNT # THAT I DONT GIVE THAT PERSONAL INFO OUT. AND HE SAID HOLD AND CLICK HUNG UP. I CALLED BACK AND GOT A RECORDING THEY WERE CLOSED FOR THE DAY CALL BACK DURING BUISNESS HOURS. AND THIS SCAMMER MANAGED TO GET FALSE DATA FROM PAST OLD DATA AND REHASHED DATA AND GOT IT ON MY CREDIT REPORTS AS A PAST MEDICAL COLLECTION DEPT. THAT DATES DONT JIVE. GON NA BE REMOVED ON XX/XX/XXXX AND JUST APPEARED ON MY CREDIT REPORTS ON XX/XX/XXXX AND I HAVE NO PRIOR BILLS OR KNOWLEGE OF THEM. AND CREDIT RPORTING BUREAUS ARE NOT ABIDING BY THE LAWS AND CONTROLLING WHAT I CAN DISPUTE WHEN I CAN DISPUTE WHAT I CAN SAY IN THE DISPUTE. LIMITING MY WORDS IN A DISPUTE. FORCE SELECTED STATEMENTS THEY WROTE UP IN MY DISPUTES.. AND NOT PROVIDING ANY INVESTIGATION DOCUMENTS TO THE COMSUMER AND THATS XXXX XXXX / XXXX .WHICH ARE THE WORST AND MOST CORRUPT.. XXXX NOT TO FAR BEHIND. IM WONDERING IF THIS IS RETALIATION FROM A PAST COMPLAINT I DID AGAINST THEM? THEY NEED TO REALLY INVESTIGATE THE 3 REPORTING AGENCYS .I XXXX MY CONCERN AND IM NOT ALONE. THERS LAWS BROKEN BIG TIME
08/09/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33334	Web
In XX/XX/2021, I was notified by XXXX XXXX of new account in collections. Prior to that, I had none. The debt of {$830.00} says it was opened in XX/XX/2021 and the original creditor was XXXX XXXX XXXX. I disputed the charge and they said, it's legit. Here 's the issue, I have no clue what the XXXX this is for, received no communication and even after the dispute, none of this has changed. I only have 3 credit cards, I think the oldest is 4 years old. 2 are with XXXX XXXX and 1 is with XXXX XXXX XXXX XXXXXXXX. So, if this is mine, not only did they break the law below, I still have no idea where this came from, when it really happened and why it's in collections when there were no late payments for any credit card servicer in the past 4+ years. The Fair Credit Reporting Act excludes from Consumer Reports, accounts placed for collection or charged to profit or loss whose delinquency date predates the consumer report by more than seven years. The seven year period begins upon the expiration of a 180 day period beginning on the date of delinquency of the account. The date of delinquency then, determines how long the consumer debt can be reported on a consumers credit report. The date of delinquency occurs on the date when the first payment is missed regardless of how long after the delinquency the creditor charges off the account to profit or loss or places the account with a collection agency. The date of delinquency remains fixed until the account balance is paid in full. This date of delinquency therefore, remains even when the debt is placed with a collection agency, assigned or sold. Neither the Charged Off date nor the date when the account is placed with a collection agency can be used as the date of delinquency on an account.
03/08/2023	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	AZ 85301	Web
XXXX has FAILED to conduct a proper investigative report. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I asked for a copy of the investigation they claim they have conducted three times. They claim the information is accurate when in fact it is a fraudulent account. I have no account with Debt Recovery Solutions. They have opened up an account in my name. I have disputed the information and requested a verification of debt in accordance to 15 USC 1692 G. Debt collector Failed to produce a statement giving the consumer 30 days to dispute the validity of the debt. In all Debt Recovery Solutions is attemptting to collect an alleged debt out of compliance with the fair credit reporting act. they have not suppiled a statement, verification of a debt owed or a notice to dispute within 30days. XXXX is falsely reporting inaccurate information and lying about having done a proper investigation. I have requested the details of the investigation on XX/XX/2023 and the customer service rep hung up on me when i escalated the situation to the manager.
11/14/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30066	Web	Servicemember
RE : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I reviewed a copy of my credit report and found the following item to be an error. See the attached copy of my credit report. The error has been highlighted. Here as follows is the item in error : Collection Agency : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ( Business has since been dissolved ) Balance : {$470.00} Account Number : Reports shows no account number ( being that one was never established ) Open Date : Listed as XXXX XXXX ( inaccurate, business dissolved in XX/XX/2014 ) Basis of Dispute E.g., I never had an account with this creditor and I do not owe this debt. Invalid information listed on credit Report - original Creditor name is wrong. I did not sign an agreement to pay for any services with XXXX XXXX XXXX nor did I sign an agreement with the collection agency -Debt Recovery Solutions. I have received no mail regarding me to verify this false debt. This false claim of a debt owned was with another collection agency XXXX XXXX XXXX and was removed for the same false accusations. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. Thank you for your time and help in this matter. Sincerely, XXXX XXXX
05/26/2018	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 Difficulty submitting a dispute or getting information about a dispute over the phone	TX 770XX	Web
I have reviewed my credit report and see A collection account reporting as " 12 XXXX XXXX XXXX '' with A number listed to contact the collection agency along with A NY address. And A Date open of XX/XX/XXXX. I immediately sent the company A debt validation request certfied mail as I'm 100 % certain I've never had any contracts or any obligations of debt with this business. I waited 30 days and no response. I then called the number listed on my report and noticed the name of the company I was calling was " Debt recovery solutions '' which isn't the name they're reporting under on my report it shows " 12 XXXX XXXX XXXX ''. During our communication via phone the representative says " XXXX XXXX you don't recall having A loan with check into cash in XXXX? '' I was shocked as on my report it says open date XX/XX/XXXX not XXXX. I explained to the lady that I have NEVER EVER done any business with this loan company in XXXX or XXXX and have NEVER had A loan with them. I asked her for the original documents showing I owed this debt and that it was valid. She advised they already sent the documents on XX/XX/XXXX which as of today XX/XX/XXXX I still have yet to recieve. I asked if I could have the company bonding information since they are in NY to search my state website to see if they are bonded and the rep refused to give me the information. I'm not sure if this is A scam company but Im at A stand still as this company is reporting inaccurately on my report and not providing the legal orginal documents to show this is A debt I supposedly owed. They openedly admitted to reporting incorrect dates also. I really needs help getting this resolved as I have exhausted all resources that I'm aware of.
05/09/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	DE 19810	Web	Servicemember
XXXX XXXX says I owe them over XXXX for their truck driving CDL program but I worked for that company for months and they had me sitting around unpaid several times waiting for a trainer, waiting for a co-driver and just waiting for loads. I was underpaid and then I left 3 weeks before my contract was up because they kept leaving me stranded places while I was being unpaid and many miles away from home. They were sued in a class action lawsuit for this and for charging people for the school while under paying them. I believe I meet the requirements of the debt settlement and they were supposed to wipe away the debt of the many drivers they did this to. I complained to XXXX XXXX many times years ago when they first try to charge me with this debt and they ignored me. This debt is also over XXXX XXXX XXXX and they sold it to a debt collection agency and are now reporting it on my credit and its a debt thats over XXXX XXXX XXXX. I also think its an illegal debt. They were literally sued for this in 2020 and was ordered to pay debt XXXX XXXX for students that met them criteria. Which I should be included because I was a driver during those years, I drive through California multiple times and I was left sitting multiple times without getting paid and being forced to pay an unfair tuition that they well got their monies worth. The collection agency they sold this debt to was Debt Recovery Solutions. As a collection agency shouldnt they know about XXXX XXXX 's illegal attempts to profit off its student drivers and ruining their credit. They had a class action lawsuit, they should not be able to collect any student debt for the years listed in the class action. They were sued for it
11/05/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34476	Web
I do not have a signed contract nor any contract with Debt Recovery Solution. I have never done business with this company. I am not liable for collection from this debt from Debt Recovery Solution. I am not responsible for this debt with Debt Recovery Solution. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the XXXX XXXX XXXX. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA.
07/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77083	Web
Debt Recovery Solutionsis reporting a medical debt on my personal credit report with all three major credit bureau 's ; XXXX, XXXX and XXXX as of XX/XX/XXXX via an alert through XXXX, XXXX and XXXX. I do not owe Debt Recovery Solutions money nor have I ever received medical services from Debt Recovery Solutions. Additionally I did not authorize any medical provider to violate my Hippa rights and provide my personal and medical information to a third party company. I have not signed nor consented to Debt Recovery Solutions reviewing, obtaining, reporting, or consulting on my personal and medical history. I have a signed Revocation of Authorization for XXXX to not disclose any information to Use or Disclose Health Care Information to any third party This is a violation of Health Insurance Portability & Accountability Act of XXXX and also a violation of the Fair Collection Practices Act. I, numerous times have tried to deal with this issue. Debt Recovery Solutions sent me a letter on XX/XX/XXXX for a debt they say for XXXX, On XX/XX/XXXX I sent them a certified letter, they were not able to. On XX/XX/XXXX I sent them a second letter on failure to validate and and cease certified. ON XX/XX/XXXX I received a notification from XXXX, XXXX and XXXX that Debt Recovery Solutions has noted a collection on my credit. They have violated my Consumer rights by not validated a debt, They reported a a disputed debt to the CRA and the FCRA violation - Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation - Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my cease and desist- FDCPA violation
12/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	KY 40160	Web	Servicemember
XXXX The company got this debt from XXXX. I asked a for copy of the original bill from XXXX and was told that I would recieve it in 6-7 weeks because it was in a storage warehouse somewhere. That was XXXX XXXX XXXX and today is XXXX XXXX XXXX and I called to ask why I never recieved anything. I was told that it was sent to the wrong address, however she had my current address and saw notes from the XXXX XXXX conversation when I confirmed that they had the correct address. XXXX this debt is from XXXX from an account that the time I disconnected due to moving. I gave XXXX a forwarding address to send a box for me to send back the equipment however I never recieved that box until XXXX of XXXX. I sent back the equipment and recieved XXXX refund checks for overpayment. And in a statement I recieved from XXXX on XXXX XXXX XXXX I recieved a " Revised Final Bill '' and amount due was {$.00}. That same statement shows XXXX of the refunds. So this debt they 're trying to collect which XXXX itself told me didnt exist was already taken care of before being reported to the current collection agency. This account charged off in XXXX and was reopened in XXXX. My credit score has severely suffered and affected my ability to buy a home and recieve a good interest rate on anything else. I have original document from XXXX and even have the original order number show what services I ordered. The only excuse the collector gave me is saying that I had XXXX accounts with XXXX indicating that i had separate services when my original purchase order and ALL documentation I have shows " XXXX Triple Play '' and only XXXX account number which does n't match the XXXX on the collection notice.
05/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	RI 02920	Web	Servicemember
I received a notice from dbt solutions saying I owed on an old XXXX bill. I called them and they told me that I never returned XXXX equipment. I told them that my mother did bring package to XXXX and that she still had the proof. Thy told me to send the proof in. My mother faxed over the receipt and a letter telling them that she personally brought the package containing the equipment to XXXX for me and had gotten the receipt. she even wrote on the receipt when it was received by the company who handles the equipment for XXXX. It does not go back to XXXX but the company I guess who manufactures the equipment for XXXX. It was received on XX/XX/XXXX by a XXXX XXXX. In 2014 she had checked the tracking on line to make sure it was received. Good thing she kept the receipt. She also stated in the letter to dbt solutions that this should never even been put on my credit report in the first place. She told them I wanted it removed from the XXXX credit bureaus because it was XXXX error and this was cleared up 2 yrs. ago.. XXXX would not even talk to me about it because they said this was a old closed account and sold to dbt soultions. This was done over XXXX months ago. As of this date it is still showing up on my credit as XXXX balance but still showing as collection account. This had lowered my score by XXXX points and caused me to loose out on getting a mortgage at that time. I am still trying to get a mortgage to buy a house for my growing family as we are XXXX next month. I want this removed from my XXXX credit reports ASAP. They told me it would be but they never followed through. This has been a nightmare.
01/07/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	AL 365XX	Web	Older American, Servicemember
I was taken to the emergency room at XXXX XXXX XXXX in XXXX TX. on XXXX XXXX, XXXX. I am XXXX Vet, all my medical is paid by the VA. I had confirmed with the VA and XXXX XXXX the bill was paid in full. In XXXX of XXXX I received a collection notice for {$770.00} from Debt Recovery Solutions , LLC XXXX XXXX XXXX, New York XXXX. I immediately called the VA and they confirmed this bill had been paid 5 years ago. The hospital also confirmed the bill was paid. When I called Debt Recovery Solutions the agent was extremely rude in fact hung up on me twice. I called back and asked some questions but the only thing he would say was send a fax proving the bill was paid and hung up. There was no fax number on their notice so I called back and he gave me one. I recently got a notice that there was problems with my credit score and I needed to address this problem. I pulled up my credit report I get once a month from my bank ( XXXX ) and was shocked there were XXXX outstanding amounts in collections, all were from previously paid medical expenses paid in full by the XXXX of witch I also just confirmed paid in full. I have a strong feeling that this company is targeting VA payments that do take some time, over a year to settle up. Through skip tracing methods they can easily find laps periods between XXXX XXXX for Vets and the final resolution of payment by the VA. This example of receiving a collection notice 6 years after services rendered, and after confirmation from the VA. is very troubling and has dropped my score more that XXXX points. Can I get any help with this and my credit scores?
01/29/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CO XXXXX	Web	Older American, Servicemember
Debt recovery solutions / XXXX XXXX XXXX XXXX and other XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX and other XXXX XXXX XXXX XXXX XXXX and other Over the last several months I have contacted the above mentioned companies to let them know I have been service connected XXXX and has had consistent medical coverage since the XXXX 's without interruption. I also contacted VA to verify this was accurate and indeed it was. Additionally I told the companies that had ambulance bills, that some of the hospital bills had been paid for further proof that he should not have any medical debt. I explained what I was told and that they had 6 years to file the claims and gave the persons phone number extension and permission to speak to the VA to resolve the issue and the companies that bought this alleged and unverified debt and after contacting the VA contact and not one made any effort to resolve the issue. Every time I have called all they want to know is if I will be paying with Visa or master card and when given the information to have the issue resolved if in fact it could be proved to even be my debt. I want the bills removed from my credit because I have made multiple efforts to try to resolve this issue and do not believe the debt is mine because I have had 100 percent medical coverage for decades. I should not be penalized for someone's inability to file insurance claims or debtors who can not prove debt and also will not do what is needed to resolve alleged debt. Since they made no effort to contact the VA I have no doubt the debt is not mine.
02/26/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 94121	Web
XX/XX/XXXX I received the attached latter in the mail from Debt Recovery solutions stating XXXX XXXX XXXX ( " XXXX '' ) has purchased an account with my name on it. This is a serious matter because I was a victim of identity theft. And XXXX has attempted to report false information on my credit report for some time now., Each time they are removed by all Major Consumer Reporting Agencies or By XXXX ' because they are not mine. Also I want notify you of the history of the account numbers and amounts owed keep changing in order to re-insert of my credit report. This is a serious matter. The attached letter says I have the right to request a copy of the contract or other documents evidencing an agreement of debt. I need to see these to notify the bureaus of more identity theft by XXXX ' or some other person out there claiming to be me Attached is a copy of the notice I received dated XX/XX/2019. I have responded within 30 days of the date. Please send all documents showing that this debt belongs to me. I have kept all copies of certified letters from the past I have had with XXXX ' and their data furnishing affiliates or partners. This debt is an attempt to reinsert a debt that does not belong to me.. As XXXX ' already know my father passed away and we had the same name. this is all well documented. I also called the XXXX hospital in XXXX where this supposedly took place. they said do to HIIPPA they were unable to share any information with me. there are XXXX XXXX 's in the system but there are not any that match my description.,
04/20/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75043	Web
XX/XX/2023 and I recently contacted Debt Recovery Solutions , LLC after receiving a letter in the mail stating that I owed them a balance. I contacted my insurance to verify. My insurance company stated that there were no claims attached to me or my dependents names. You stated that I owed {$1.00}, XXXX and {$1.00}, XXXX. I called and requested more information to verify that the claim was accurate, and the debt is mine. As I was speaking to the agent, I asked a particular question, and he ended the call immediately. I called back and then there was no answer. The number I called was XXXX, ( XXXX XXXX, XXXX XXXX ). I have no remembrance of the original creditor. So, to investigate this debt, I will need more information such as : The date of service Itemized receipt stating what service was performed Billing Receipt Healthcare Provider The type of insurance that was used this way I could contact my insurance company to match the codes and cost of service I work at the largest hospital in my state. I would not go to an unknown hospital for treatment. I have insurance to use for treatment. There is no record of payment or charges for the original creditor by my insurance for the dates. As a consumer, I have the right to demand proof of ownership and verification of the services rendered. Do I need to provide the US Code? I am entitled to this information in order to ensure that I am not being overcharged and that the services being billed to me were actually performed. Thank you for your time and enjoy life.
03/03/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 94596	Web
You are in violation of many federal laws because you are trying to collect on a debt that was previously discharged through my Chapter XXXX Bankruptcy filing that was done on XX/XX/XXXX, and the fully discharged on XX/XX/XXXX by the Federal Bankruptcy Court located in XXXX, Ca. Judge XXXX XXXX was the presiding Judge that Ordered the discharge and XXXX XXXX was the assigned Trustee for my Bankruptcy case. The debt that you are trying to collect on is for : XXXX Credit card with the account number ( partial ) of:XXXX Also, the fact that you have lied and placed an opening date for this credit card on my credit report for : XX/XX/XXXX is another violation of Federal Law. Also, the fact that you have purchased a discharged Bankruptcy debt knowingly, and are now trying to collect on it after the fact is yet another major Federal Violation. If I have to have my Bankruptcy case reopened in Federal Court just so I can sue and make an example out of you for this extremely illegal debt collection practice, Believe me I will. You have also inserted this illegal debt collection into all of my credit reports with all three Credit bureaus without even trying to contact me or send me any notice to have this debt verified within the first 30 days is also yet another major violation of Federal Laws. This item needs to be immediately deleted from my credit report or I will file suit against you without any hesitation otherwise and bring against you whatever fines are legally allowed for your many law violations.
11/09/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	VA 23321	Web	Servicemember
This will serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communications with me in regard to the alleged debt, referenced above. Do not contact me or any third parties via telephone, email, or mail regarding collection of this alleged debt. I formally dispute the validity of this alleged debt. To date, I never received due notice, of any alleged debt, or my right to dispute. Despite never receiving such notice, DRS has illegally reported an illegitimate collection account to my credit reports, causing insurmountable damage to my credit score. I was a victim of identity theft, and had DRS followed the law, and allowed me the opportunity to dispute, I would have responded within 30 days, and provided proof of the aforementioned. I have had a plethora of fraudulent accounts opened in my name, that I did not initiate. I do not owe this debt or any debt to DRS, LLC or to any third party DRS, LLC is stating to represent, nor did I have any knowledge of the alleged account. I am formally requesting DRS to immediately remove the fraudulent reporting information from my account. If the adverse information placed against my credit reports is not removed within 4 business days, appropriate legal action will be taken. Per FCRA and FDCPA, any account reported to the credit bureaus must be a verified account and collection activity, to include reporting to the credit bureaus, must cease. Thank you for your attention in this matter. XXXX XXXXXXXX XXXX
01/07/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33611	Web
In XXXX, the company named Debt Recovery Solution sent a notice ( dated XXXX XXXX, XXXX ) attempting to collect a debt for a XXXX bill from XXXX. The notice did not elaborate any further. I immediately responded in writing and advised I did not owe such a debt. I requested that the company either cease collection efforts against me or provide proper proof that the debt belonged to me. I have received a response from Debt Recovery Solutions dated XXXX/XXXX/XXXX with what they claimed was proof the debt belonged to me. It is clear from the documents that the debtor is a different person with a similar name. I have responded a second time in writing to advise this is not my debt and the wrong person is being pursued. I again requested for Debt Recovery Solutions to cease collection efforts against me. Debt Recovery Solutions failed to do a proper and minimal investigation. The documentation this company has presented is for a person with a similar name that resides is a different state. Had the company properly verified my residential history, date of birth, or any other pertinent personal information ... it would have found that they erroneously associated me with this debt. As a result, I have been falsely accused. I have invested many hours of my time to respond and defend myself. I do not want this company to falsely associate me or my credit with this debt. I wish to file a complaint against Debt Recovery Solutions LLC for their improper and unecessary attempts to collect this debt from me.
06/18/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 22191	Web
On XX/XX/XXXX, I noticed I received a tradeline on my Credit report from Debt Recovery Solutions , LLC for an account I do not recognize. I immediately contacted this company in writing and advised I am disputing this debt and they need to provide me with a validation of the debt. This personal letter was mailed via USPS Certified Mail and arrived to the said agency on XX/XX/XXXX. Ive obtained all receipts and signatures that my letter was accepted by the agency. By FCRA and FDCPA consumer laws 609 ( c ) ( 2 ) E, 611 ( a ) 1 ( A ), ( 15 U.S.C.1681i ) they are to delete their tradeline and cease collection activity due to them not providing validation within the 30 day time frame they had from the initial correspondence I sent to them. They failed to respond. I pulled my credit again on XX/XX/XXXX and their tradeline is still there. They can not legally claim this is verified to the credit reporting agencies, but they have ignored my request for validation. They are required to provide me with proof of this debt by law upon receiving written request within a reasonable time frame or they no longer have a right to report this or collect on it. This company has never sent me a notification advising of this debt and has never provided me with my right to dispute/validate. This company is in violation of the FDCPA and the FCRA. They need to be investigated. Please assist me in my request to have this illegitimate negation to my Credit score removed, as they have turned a blind-eye to my requests.
08/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33626	Web
Received a collection letter in the mail from Debt Recovery Solutions , LLC ( XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX ) dated XX/XX/2023. After receiving the letter on XX/XX/XXXX, In the letter, it stated a due date of XX/XX/2023 PLUS A DISCOUNT OFFER to settle the debt. ( See attached document ) I filed a report on their website on XX/XX/2023, stating that the loan in question was not mine and had been taken out using my XXXX identity information. The address used and bank deposited to were both in Utah. The loan originator had already determined the debt was not mine through documents submitted three or four years ago. I was never contacted again by the originator, XXXX XXXX XXXX nor current creditor, XXXX XXXX, XXXX, before DRS sent the debt collection letter last week. I received a response from XXXX XXXX, XXXX, Vice President of Client Services for DRS on via email on XX/XX/2023, stating " We are in receipt of your email. We will request supporting documentation to be sent to you for your review. '' ( see screenshot attached ) Today, XX/XX/2023, DRS submitted notice of collection to the major credit bureaus. DRS and I were working through a good-faith dispute that certainly had no time to be resolved and they should not have reported this collection. I am confident that the original documents will prove that the debt was taken out without my knowledge by parties unknown to me. The bad-faith tactics employed by DRS should not be legal and collection removed from my credit reports.
04/04/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33634	Web
On XX/XX/XXXX I received two letters in the mail from the same company stating, Debt Recovery Solutions , LLC is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX. It goes on to mention I received XXXX XXXX from XXXX XXXX XXXX. The debt was then purchased by XXXX XXXX XXXX which is whom this supposed debt is owed. The first reference # was for an amount of {$1200.00}. The second reference # the amount was for {$69.00}. The letters also mention I have until XX/XX/XXXX to call or write to dispute all or part of the debt. The first part of my complaint is that I do NOT recognize this supposed debt nor the companies involved with the origination or transfer of the debt. This debt supposedly originated on XX/XX/XXXX and I have never received any notification of this debt until XX/XX/XXXX. The second part of my complain is that Debt Recovery Solutions , LLC did not adhere to my rights under FDCPA and FCRA on providing the allotted time to report this debt as it is already reporting on my credit report to at least one reporting agency PRIOR to the date provided to dispute the debt which is XX/XX/XXXX. This is unfair and deceptive implying I owe a debt and reporting it to any credit bureau agency prior to the date provided by the debt collector to dispute the debt. I believe the actions taken by Debt Recovery Solutions , LLC to report this debt to the credit reporting agency is abusive and did not follow the practices of FDCPA and FCRA in protecting my rights.
08/29/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 335XX	Web	Servicemember
In XX/XX/XXXX, I opened an account with XXXX XXXX. A month after opening the account I received my first bill. The amount billed was almost double to the agreed price when service was established. I called XXXX to dispute and we agreed to close the account. I paid the remaining balance and sent the equipment in. In XX/XX/XXXX I learned of an account in collections that I was unaware of. The account holder is Debt Recovery Solutions with a collection amount of {$2400.00}. I contacted them at the time to verify the debt which is when I learned it was a XXXX account. I then reviewed my credit report and found that XXXX is also reporting an open collection for the same amount. I have over the last several months contacted XXXX to not find any resolution. XXXX is telling me that they have no record of the account and all liabilities and accounts were sold to XXXX XXXX. I was directed to them, XXXX has provided me in writing that they have no record of the debt. My complaint is how can two companies report the same debt? Furthermore why are they reporting it given that they can not provide any information about the validity of the debt? Debt Recovery Solutions has claimed they have proof, which I would still dispute, and which they have not provided me. XXXX, XXXX XXXX and Debt Recovery Solutions have failed to prove a valid debt and has violated the law with the dual reporting. The only thing I have received from my inquires was increased calls and letters from Debt Recovery Solutions.
08/23/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75126	Web
I was originally contacted by a gentleman in XXXX claiming I owed a payday loan that was opened in XXXX. I explained to the person who went by the name " XXXX '' I have never had a payday loan and this had to be fraud. He stated he was going to take me to court and have me arrested I ended the conversation and researched the company he claimed to be from. What I discovered was other victims reporting that this man and his company were a scam company making up payday loan debts to get people to pay. On XXXX I received a alert from XXXX that I had a collection from a company named DRS ( Debt Recovery Solutions ) with the phone number XXXX I called the number several times with no success, the number went straight to voicemail with the same gettleman I spoke to years ago, but this time he is going by a different name " XXXX XXXX '', not " XXXX ''. I disputed the account as fraud, and the account was removed immediately from my report. On XXXX I received a notification my report was flagged again for a collection with XXXX, from the same company DRS but with a different phone number. I called XXXX and disputed this account as fraud, and I made a police report, and pressed charges. I also called the company, and gave them the police report number, and name of the officer, and I let them know I was pressing charges, and that the account they have is fraudulent. The account is not even in my name, the account is using my first name, with a different last name, and my social.
11/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92008	Web
I monitor my credit report weekly and I have discovered that this is the XXXX time that Debt Recovery Solutions , LLC has placed this {$80.00} debt on my credit report. Thus, the debt mysteriously appeared on my credit report without given a 30 day notice to dispute the debt. Thus, this is the XXXX time that this debt collector violated my consumer rights under the FCRA. In addition, I have already disputed this debt back in XX/XX/XXXX and Debt Recovery Solutions , LLC removed the debt from my credit report because they could not validate it. Yet ... here they are again ... trying to damage my credit without validation 10 months later. Hence, I need proof that I owe this debt. Please show me a copy of the " written agreement '' that created my original requirement to pay? Furthermore, I would like to add that I have already contacted XXXX ( the original debtor ) on XX/XX/XXXX at XXXX and they could find no such debt. I spent about XXXX minutes on the phone with XXXX exploring this supposed debt. XXXX indicates that I own them nothing and that all accounts were paid in full with them. In addition, just to make sure that I did not owe this debt, I took the risk of giving XXXX my full social security number ( which should never be done ) so that they could do a thorough search to assure that I did not owe them a debt. Thus, XXXX indicated that they did not even know what Debt Recovery Solutions was talking about. I have had quite enough of this!!!!
03/10/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	FL 331XX	Web	Servicemember
I received a letter from Debt Recovery Solutions on XX/XX/XXXX that stated I owed {$240.00} to XXXX XXXX for an unpaid payday loan.. I disregarded the letter bc I do not owe XXXX XXXX anything and I currently have a payday loan with them and you cant have a new loan unless the other one is paid off. The next day I was notified by XXXX and XXXX and XXXX about a collection from Debt Recovery Solutions. On Monday XX/XX/XXXX I called Debt Recovery Solutions and I explained to them I did not owe anything to XXXX XXXX and I have the receipt that shows paid in full on XX/XX/XXXX. They said to send documentation to XXXX which I did when we hung up they said it would take 3 weeks or so to resolve this. On Tuesday XX/XX/XXXX I called XXXX XXXX to see if they can help me and they said that they do not know how Debt Recovery Solutions obtained my info. They said they did not sell my info to a 3rd party. I am writing this complaint bc Debt Recovery Solutions is fraudulently reporting a collection that has been pain in full since XXXX XXXX There is no reason this should be on my credit reports. I owe no money to XXXX XXXX and Debt Recovery Solutions I believe is committing fraud and committing a crime by falsely reporting something that is not true ... I have attached the receipt from XXXX XXXX that shows paid in full on XX/XX/XXXX and also the letter Debt Recovery Solutions sent me dated XX/XX/XXXX ..one year and three months after the debt was paid in full
06/15/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30909	Web
There is a neg ative mark showing on my credit report as a collections account with a company called Debt Recovery Solutions. They show the original creditor as : XXXX . This debt collection just started showing on my credit report last XXXX 2016 . I contacted Debt Recovery Solutions and told them I needed verification of what this debt was for because I had no idea what this was all about. They contacted me with in 48 hour s, but all they could tell me was that they verified the debt with XXXX . I informed them that I needed details as to what the debt was for. I was told I would need to contact XXXX to obtain those details. I called XXXX . After being transferred and retelling the story 3 times, and after being on hold for roughly 30 mi nutes, I was then informed that they had no record of what the debt was for. All they knew was that I owed " for something. '' I told them this was unacceptable. I then proceeded to dispute this with the credit reporting agencies - spelling out for them everything I just wrote here. All of them said the debt was con firmed. I assume that no real investigation occurred and that they just took the word of Debt Recovery So lutions. To this day, XXXX can not and has not provided an itemized bill of what I owe. While it is severely damaging m y credit score, I refuse to just pay out {$870.00} that I do not owe. I do hope this agency can give some assistance to bringing resolution to this matter.
04/17/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA 713XX	Web	Servicemember
Hi, Im currently XXXX with the United States Military. On XX/XX/XXXX, I checked my credit report and noticed that I had a collection account reported in XX/XX/XXXX. The debt was reported by Debt Recovery Solutions as a medical debt from XX/XX/XXXX. I immediately called XXXX to dispute the medical debt, because I was not aware of any medical debts. TransUnion asked did I contact Debt Recovery Solutions to discuss the debt. I advised XXXX, that I did not contact Debt Recovery Solutions at the time of our conversation. After disputing with XXXX, I called Debt Recovery Solutions, so that I could get a validation of debt emailed to me. The consultant at the company asked me for my social security number, in order to verify the debt. The consultant, then proceeds to advise me that they sent a letter to my address and had given me 30 days to respond, before they reported the debt to the credit bureaus. I then, advised the consultant that I was not in the United States and have been out of country since XX/XX/XXXX. The consultant then yells at me and states that how did I want to handle this. I then, advised the consultant that I was not in the United States and needed a debt validation emailed to me or mailed to my address back in the United States. The consultant advised, that he would send a letter to my address. Due to me being XXXX, I was not given a proper notice of any medical debt, nor was I given any validation of debt.
12/24/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30223	Web
About a month ago, I filed a CFPB complaint against Debt Recovery Solutions about their agency reporting XXXX unverifiable XXXX XXXX on my credit report for {$980.00} and {$610.00}. They responded to the previous complaint, and agreed to delete the accounts from my credit profile. In fact, this was their exact response : " Company 's Response XXXX XXXX This office acknowledges receipt of the complaint you have filed with the Consumer Financial Protection Bureau XXXX The accounts in question were referred to our office for collection in XXXX. In light of the information set forth in this complaint, we have closed these accounts and returned them to our client for further processing. As such, all further collection activity by our company has been suspended. Additionally, we have instructed the credit reporting agencies to delete any update we may have placed on your credit profile. Please feel free to contact me directly if I can be of further assistance. XXXX XXXX Debt Recovery Solutions , LLC Managing XXXX XXXX XXXX '' Unfortunately, we have still not received anything from Debt Recovery Solutions about the origin of these debts, and in addition, they are still reporting them on my credit report almost an entire month later. So Debt Recovery Solutions continues to take no action to resolve my issues, and continue to needlessly damage my credit rating by allowing these accounts to continue to drag down my credit score.
11/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77084	Web
I was contacted by the DRS ( Debt Recovery Solutions ) about a debt with a payday loan company ( XXXX XXXX XXXX ). I have never used such a loan company. I requested documentation for the debt XX/XX/XXXX. I repeated my request for supporting documentation on XX/XX/XXXX, XX/XX/XXXX and XXXX with no supporting documentation provided. On XX/XX/XXXX I contacted the original owner of the debt directly. They informed me they had not been contacted for additional information about this debt by DRS. Further they informed me the money was paid to an account at a bank I have no accounts with. I confirmed this via phone call with the bank ( XXXX XXXX ). Also my credit report lists no account in my name with this bank. I disputed the collection with the XXXX major credit reporting agencies. XXXX reported that DRS " CERTIFIED '' the debt was valid and declined to remove the item in collections from my credit report. Finally today after XXXX months DRS agreed to remove the item in collections from my credit report. I have been trying to get credit established for a new home construction project while this has been ongoing for the last 2 months which has delayed the start of construction. I feel DRS conduct during this time was not in good faith. Their failure to provide information and address my concerns regarding this collection has cost me time on my construction project and time away from work and other obligations.
09/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23060	Web	Older American
In XXXX of XXXX I received a debit collection letter ( copy attached ) from XXXX, XXXX for Original Creditor, XXXX XXXX XXXX XXXX and current creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ) for {$160.00}. On XX/XX/XXXX I sent them a letter ( copy attached and postmark envelope ) explaining I do not owe this debit and have never received any medical services from XXXX XXXX XXXX XXXX. In XXXX of XXXX, XXXX XXXX of XXXX, XXXX sent me memo ( copy attached ) the account has been closed and returned to our client. On XX/XX/XXXX I received a debit collection letter date XX/XX/XXXX ( copy attached ) from XXXX XXXX for Original Creditor, XXXX XXXX XXXX XXXX and current creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ) for {$220.00}. On XX/XX/XXXX I sent a letter ( copy attached and postmark envelope ) to XXXX XXXX at XXXX XXXX and to XXXX XXXX XXXX XXXX, explaining I do not owe this debit and have never received any medical services from XXXX XXXX XXXX XXXX. On XX/XX/XXXX I received two ( 2 ) Debit collection letters dated XX/XX/XXXX ( copies attached ) from Debit Recovery Solutions for Original Creditor, XXXX XXXX XXXX XXXX and current creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ). The total balance due is {$250.00} with a total discount offer of {$180.00}. I have been trying to resolve this bogus debit for almost two ( 2 ) years and need your help to end this revolving door of collection agencies for a debit I DO NOT OWE.
05/27/2018	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	FL 34207	Web
I retrieved a copy of my credit report on XX/XX/XXXX. I noticed that Debt Recovery Solutions , LLC had inserted 2 entries on my credit reports and failed to notify me that they were attempted to collect a debt. To that end, I sent them a dispute letter dated XX/XX/XXXX whereby I asked them to provide validation and not verification of the debt as well as any correspondence they allegedly sent. Debt Recovery responded by sending 2 bills that reflect the procedure for services allegedly provided to me. Upon receipt of this correspondence, I sent them a second dispute responding to their lack of validation of the debt. In my letter dated, XX/XX/XXXX, I requested that they provide a copy of the financial responsibility page as well as any documentation to reflect where I granted XXXX XXXX XXXX permission to share confidential information for any services they allegedly provided. This is a direct violation of my privacy rights. Since this company has blatantly violated my consumer rights by not informing/notifying me of any alleged debt they were attempting to collect on my behalf and did not allow me the 30 days I am due by law to dispute the validity of their claim and also by reporting information on my credit report that they were not able to validate nor furnish the financial responsibility page or any documentation that bore my original signature. DELETE THESE ENTRIES IMMEDIATELY FROM MY CREDIT REPORTS!!
05/23/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	VA 23235	Web
I submitted a complaint regarding this company within the past 6 months with your company, case file no. XXXX, this company stated via written response that they would remove the debt from my credit report with no further action or communication from them, that has not happened and now they are reporting this debt once again in addition to the previous amount they claim I owed. The original debt was with Debt Recovery XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX for {$670.00} that should have been removed, I have not opened any accounts or have any loans with this company, if it is a payday loan, it was included in my Chapter XXXX bankruptcy back in XXXX and that has been XXXX, all accounts I have recently opened are all in good standing, I am trying to rebuild my credit and have been doing an excellent job thus far. This company has now changed the name and issued yet another collection on my credit report under XXXX XXXX XXXX Virginia - XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX for the same amount of {$670.00}, this is not a coincidence, it is fraudulent and incorrect reporting. I would like this company investigated and I would like both of these debt collections removed from the credit reporting bureaus. Please assist me and help to rectify this situation, it 's very stressful having to deal with false transactions and fraudulent reporting on my credit. Thank you
12/31/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	AL XXXXX	Web
I spoke with debt collector-debt recovery solutions. I made a payment arrangement with this company and I agreed with this company to pay the amount of {$200.00} and that he promise me that when I pay this amount to this company. he said that he will close the account and update everything to the credit companies that never happened. then I spoke to this lady XXXX XXXX that is also employed with debt recovery solutions and I told her about the payment arrangement that I made with the guy that I spoke with. and she tried to tack on another {$35.00} and I told her that guy told me to pay that {$200.00} dollars and he would close the account has been paid in full and that he would up date everything with the credit companies showing that account has been paid .that never happened. on that cash cow account in which I paid the last payment of {$50.00} on the XXXX in which they did not send me a receipt that it was paid in full. and I am aware of the scare tactics they use to make the consumers afraid of them that they would take their car etc.. if they don't pay. and when it comes down to the elderly people and the older people they are afraid that if they don't do what these debt collectors say they would take what they have worked for all of their lives. because of the fear that they these debt collectors has put into their heart. it is not only me that they are doing this to. it is every one.
05/15/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11413	Web
I just received a letter from Debt Recovery Solutions , LLC DRS account # XXXX stating that I owe {$420.00} and the original creditor is XXXX. They are offering me a settlement of {$270.00}. i have spoken to this company a couple of times in the past and have advised I paid off my XXXX account back in XX/XX/XXXX. After I paid XXXX, I set up another account with them for a XXXX triple play package. In XX/XX/XXXX I hired a company called XXXX XXXX XXXX to assist me with removing items off my credit report that were either incorrect or past the statute of limitations. This was one of the items that was successfully removed. Today, XX/XX/XXXX, I applied for a mortgage and was informed that this debt is on my credit report as of XX/XX/XXXX. S they have again, put this back on my credit report after it was removed and after me telling them several times that I do n't have any past due debts with XXXX. I called and spoke with a gentleman name XXXX and advised him that I do n't owe this debt and that they need to update their records and to please stop harassing me with letters and phone calls. I have blocked their number to avoid getting the phone calls. This is not only stressful, but annoying because these people should not be able to put items back on your credit report after it 's been removed and after being told that the debt is no longer owed. Where 's the protection for the consumer?
12/22/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77026	Web
I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX XXXX XXXX XXXX that now is being handled by XXXX XXXX that is not even licensed to collect in Texas. I did not open or authorize this account, with this company or no other company they represent and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Not only that this is a medical account and I do not recall giving permission to any provider at all allowing them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Also XXXX XXXX never even sent me notice of the fraud account or else they would have already known that I was a victim of identity theft and this account is a result of thereof. Additionally, I thought any reporting of a debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I have previously notified XXXX XXXX that I am a victim of identity theft and to close this unauthorized account but they decided to ignore my request.
09/18/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33157	Web
On or about XX/XX/2018 I received a debt collection notice for Debt Recovery Solutions out of New York, alledging I owed a debt to XXXX XXXX XXXX. I researched XXXX XXXX and found that they appear to be out of business so I could not contact them directly. I wrote a letter to Debt Recovery asking for verification of the debt that must include my signature as validation that I had agreed to any such services. First letter mailed on XX/XX/18. Second letter to Debt Recovery mailed on XX/XX/18 advising that I had not received any response and to ensure they removed any and all debt collection trade lines from my credit report. The few days later I received a response with some computer generated statement as their attempt to validate the debt. I sent another letter on XX/XX/18 disputing the validity of the debt again and disputing their documentation since it was computer generated and anyone could have created it and it did not include my signature or any authorization from me for said services. I have received no response to my 3rd letter. Debt Recovery has refused to respond to my reasonable demands that they prove I owe this debt. They are harming my credit and my reputation with their trade lines and I should not be obligated to pay something to some third party if they can't show written evidence I agreed to anything. As far as I can tell I do not owe this debt.
03/24/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	IN 46131	Web
Debt Recovery Solutions , LLC indicated on my credit report that I owed them {$150.00} for a debt that was not mine. I suspect that the debt is my son 's because he has the same name and when I called them I confirmed that fact and asked that they remove the collection from my credit report. I was told they could not so when I asked to speak to a supervisor I was told to hold and after 20 minutes I was told I would receive a call back. That was at XXXX so when I did not receive a call back by XXXX I called back and was told that they returned all calls by XXXX same business day. I had not received a call back by XXXX so I called back again and was laughed at by the gentleman that answered my call who said that it was 10 minutes until closing and they had 48 hours to call me back, The next day I received a call at XXXX from somebody who refused to spell her name who literally bitched me out and threatened to hang up every other sentence and racially harassed me until I hung up on her. This is not my debt and I am suffering from a decreased credit score as a result of this company not doing their due diligence to ensure they are attacking the credit report of the correct person by either checking the SSN or date of birth of the party before they arbitrarily put a black mark on somebodies credit report and I demand somebody from our governing authority do something about this.
05/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77316	Web
On XX/XX/XXXX, I received a letter from Debt Recovery Solutions ( DRS ) and a subsequent fraudulent/counterfeit bill. DRS claims they are attempting to collect a {$2000.00} medical debt for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX who have both agreed I do not owe them a debt, although DRS continues to harass me over this blatantly fraudulent claim. I have made multiple complaints about this debt and each time DRS agrees to stop collection attempts, although it appears they simply create a new case number and begin this entire process again, after they report to you that they will not seek to extort money from me again. The most recent bill has DRS account number XXXX and claims I owe them {$200.00} this time around. I wrote them and requested original documents, which have never been produced, only the attached counterfeit bill. I am again coming to you for relief from this malicious and fraudulent collection attempt by DRS. The previous complaint number is XXXX, which DRS reported or claimed that they would cease their collection and malicious credit reporting behavior. Mr. XXXX XXXX name is printed on the documents and I am requesting that he be investigated by someone who can drive to DRS, located at XXXX XXXX XXXX, XXXX XXXX in XXXX, NY XXXX and interview him about the counterfeit documents he is sending through the US Postal Service with the intent to commit fraud.
05/05/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43220	Web
To Whom It May Concern, The reason for my dispute is DEBT RECOVERY SOLUTIONS # XXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, DEBT RECOVERY SOLUTIONS 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, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) DEBT RECOVERY SOLUTIONS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation DEBT RECOVERY SOLUTIONS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where DEBT RECOVERY SOLUTIONS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.DEBT RECOVERY SOLUTIONS has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
04/02/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43212	Web
To Whom It May Concern, The reason for my dispute is Debt Recovery Solutions XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, Debt Recovery Solutions 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, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) Debt Recovery Solutions failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation Debt Recovery Solutions is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where Debt Recovery Solutions is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. Debt Recovery Solutions has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
10/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43232	Web
To Whom It May Concern, The reason for my dispute is DEBT RECOVERY XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, DEBT RECOVERY SOLUTIONS 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, Under 809. Validations of date andMini-Mirandi under Section807 ( 1 ) DEBT RECOVERY SOLUTIONS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCA, with {$1000.00} per violation DEBT RECOVERY SOLUTIONS # XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where DEBT RECOVERY SOLUTIONS is in compliance with OHIO LAW. I also have report this account tothe FTC, and Columbus Police Dept.I need this collection account to be removed from mycredit report.DEBT RECOVERY SOLUTIONS has not even tried to contact me regarding thisFraudulent collection account. Please have them remove this collection account immediately.
08/08/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 890XX	Web	Servicemember
I pulled my credit report while saving to buy a home and found 2 items in collections. Both items in collections were from Debt Recovery Solutions for debts that occurred in XX/XX/XXXX. The amounts were for {$740.00} and another for {$59.00}. I called the debt collector and came to an agreement to settle the debts for {$290.00} and {$44.00} respectively. I paid them immediately over the phone and received receipts via email. Within a week the original debt for {$740.00} was cleared off my credit report. A week later I received a letter from Debt Recovery Solutions saying I never paid the {$44.00} for the {$59.00} debt. I called the agency and provided them with my confirmation number from the payment that I had already made, at this time they brought up another debt from XX/XX/XXXX that I was not aware of, I told them that I could not make payment on that debt at this time. Two weeks later my credit report was updated, the original debt for the balance of {$59.00} was cleared off and a new debt for {$440.00} was added which is the remaining balance of the debt that we had agreed to settle on for {$290.00} which I paid in full on XX/XX/XXXX. Im sure they will say this was another mistake, but these mistakes take weeks to fix, and there doing this so they can ask me about an unrelated debt that is almost 10 years old, which I have no idea where it came from.
01/03/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 774XX	Web
The debt posted below and attempt to obtain pass due balance is false. I notified the company that the debt does not belong to me. To please send proof of any debt or validation with my signature. I have yet to received any information. I am asking for the company to remove the debt and have no further communication with me going forward. The debt does not belong to me. I no valid contract with the creditor " No Contract '' I am not legally responsible for the seeing as it does nit belong to me. When speaking with the CSR i was told they may not be able to obtain any original record for my viewing to prove and validation that the debt belongs to me. I have yet to have any mailing response. Please remove all false attempts to collect debt. I have reached out to XXXX to remove the fraudulent information. DEBT RECOVERY SOLUTIONS , LLC Last reported : XXXX XXXX, 2017 - {$980.00} Needs Attention Overview You 've paid off 0 % of your collection amount. Balance {$980.00} Highest Balance {$980.00} Opened XXXX XXXX, 2017 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Medical Collection account Original Creditor Name XXXX XXXX XXXX XXXX See an error? You could dispute an error with XXXX. Creditor Information DEBT RECOVERY SOLUTIONS , LLC
04/12/2018	Yes	Money transfer, virtual currency, or money service Debt settlement	Fraud or scam	PA 196XX	Web
I called Debt Recovery Soloutions spoke to a XXXX was offered a settlement on my debt with a debt i had from XXXX from 5 or 6 years ago for the amount of XXXX. i sent two payments from my checking account one for XXXX which cleared my bank from the creditor on XX/XX/XXXX check # XXXX and another for XXXX check # XXXX which cleared my bank on XX/XX/XXXX i called the company to see if they recieved my payment since it shows it was cashed through my bank and the answer i recieved is no, they don't have my money even though they cashed my checks an my payments have not posted as far as there concerned, i called my bank to see if i can dispute these transactions since the company is stating they dont have my money i was told no since the company has recieved payment an checks have been cashed i can not be credited or get my money back, I spoke to a XXXX XXXX who is supposebly the Vice president of client services for Debt recovery solutions and i was told that this would be looked into and i haven't heard anything back the only thing i can think of is maybe someone at the company pocketed my money or posting error i have no clue but there is XXXX of my money that was cashed but yet not credited an company states they have no record of my money. Also upset with XXXX XXXX serve for not crediting my account bank and looking further into dispute for me
11/23/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	KY 425XX	Web	Servicemember
DEBT RECOVERY SOLUTIONS is trying to collect a debt that was turned over to them from XXXX that concerns a loan that was opened in my name by means of identity theft. I have a comprehensive report from XXXX, a consumer reporting company, that states my social security number was being used by another individual that wasn't me and that I am a victim of identity theft. The report goes on to inform me of my rights and what to do next. I have already spoken to a representative from XXXX and XXXX and both companies have issued a fraud alert for this account. I want to file a formal police report and find out and prosecute whomever is responsible for this, and for stealing my identity to the fullest extent of the law. This fraudulent account may be the first of many, but I hope not as I have diligently been working towards rebuilding my credit and had already been seeing anomalies prompting the investigation I requested by XXXX. My credit was dramatically improving, yet I was still being denied loans and turned down on credit card offers. A thief took advantage of my hard work and beat me to the chase using my identity to secure loans and who knows what else before I got to reap any kind of benefit for improving my credit and taking care of debts. It disgusts me and quite frankly makes me mad enough to physically fight whoever is responsible.
09/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38401	Web
I Have sent a letter and called XXXX XXXX to Remove FALSE Inaccurate Credit Information that is being reported on my credit reports from Debt Recovery Solutions : Alleged acct number XXXX To whom it may concern : I have received a notice from Debt Recovery Solutions for debt owed in the amount of {$3100.00}, which I am declaring completely fraudulent. I obtained a copy of my credit report and after reviewing the information, I noted that inaccuracies have been placed again on my credit report regarding XXXX XXXX. I have NEVER had an account or heard of XXXX XXXX XXXX. This information has been placed on my credit report now for the second time after initially being corrected. How was this verified and approved?, Where are my signatures, where was the money deposited or a check written to? Here are the factual items in which I am disputing : 1. This Debt is NOT and NEVER has been associated with me 2. I am reporting this a FRAUD 3.Re-insertion of fraudulent ; incorrect information, AFTER it was corrected when it was sent to a previous debt collector. I formally wrote notice to XXXX to correct my credit report and now I have to send the XXXX and XXXX. Please note that this inaccuracy has been reported twice. Following the conclusion of your investigation, please send me the results of the corrections via MAIL. Thank you, XXXX XXXX
08/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 10465	Web
I previously filed a complaint against this company due to poor customer service and they tried to collect on a debt that XXXX had no record of. The company responded and agreed to close the account delete it from my credit report. Last week i got notification that they are reporting on my credit again. I called on XX/XX/XXXX and spoke with a XXXX XXXX who acknowledged that the account was closed however stated that a manager needs to review the account and call back. I informed her that I will hold on however she started getting an attitude and was extremely rude. Terrible customer service. I called back on XX/XX/XXXX since I did not get a call back from the manager and spoke with a XXXX who stated that a manager, XXXX XXXX, will call me back. Once again i did not receive a call back. This has been reporting inaccurately on my credit and is damaging my credit score. This company has sent me a closure letter agreeing to delete the account from my credit report and they are inappropriately reporting the same account again. The representatives refuse to speak with me and management does not return my phone calls. Every telephone communication with this company, aside from XXXX, has been horrible and they all have terrible customer service. If this remains on my credit report i will be forced to press charges for violation of the FDCPA.
08/11/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 64030	Web
On XX/XX/2018 I sent a certified mailed letter with a return receipt to Debt Recovery Solution XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. In my letter I asked this company to validate NOT verify an alleged debt that they are attempting to collect from me.I specifically asked for this company to please provide an agreement that had my signature on it and other supporting documentation. I received a letter from Debt Recovery Solution, dated XX/XX/2018, in response to the letter that I mailed to them on XXXX XXXX certified mailed. Their letter stating " we are responding to your recent request for verification of the obligated references above. Enclosed is the documentation you requested ''. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have dated their letter response one day before I even sent my letter to them certified mail. They have not provided me with the requested documentation that I asked from them. They have reported delinquent information to the credit bureaus that I am asking to be deleted. I have enclosed my certified letter that I sent to this company on XXXX XXXX, Debt Recovery response to my letter, and my certified mail receipt with the date I sent the letter and the return receipt that Debt Recovery signed acknowledging that they received my letter.
03/18/2018	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 Difficulty submitting a dispute or getting information about a dispute over the phone	TX 77523	Web
Debt Recovery Solutions has reported me to all 3 credit bureaus saying I owe them {$440.00}. I disputed it will the bureaus, and XXXX deleted it, but XXXX and XXXX have not. The dispute results from the credit bureaus say that the account meets FCRA Standards I have attempted to call DRS several times to get information about this alleged account, and every time I call they tell me that they will send me information to validate the account. I never receive anything from them, and I give them my address every single time. They are rude, and demand payment. I sent a certified letter requesting validation on XX/XX/XXXX, and it is now XX/XX/XXXX and they still have not responded. They continue to report to the credit bureaus, last week they updated again, and my credit score dropped 20 points. I am trying to obtain a mortgage loan, but am not able to because of this account on my credit report. I have called the credit bureaus and explained the situation, that I have no idea what this account is about, and Debt Recovery Solutions will not cooperate and give me any info. The credit bureaus just say they can open yet another dispute, even tho I have disputed it twice before. I am submitting a complaint to everyone that I possible can, and am hoping someone can help me to get this company to delete this account from my credit reports.
08/01/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OH 45231	Web	Servicemember
Three years ago Debt Recovery Solutions put a collection on my XXXX and XXXX credit report stating that I owed {$420.00} for a physicians bill acquired through XXXX XXXX in XX/XX/XXXX. I called XXXX and they confirmed that I had no outstanding debts and they also confirmed that I had no services through them prior to my XXXX in XX/XX/XXXX, which I paid for 3 weeks prior to my XXXX. I got it removed from my report. Now that I am applying for a mortgage they put it back on my credit report and sent me two letters that I owe {$860.00} for services rendered by XXXX in XX/XX/XXXX and I owe another {$860.00} for services rendered by XXXX in XX/XX/XXXX. The letter said they are having a sale and I can settle these accounts, the XXXX from XX/XX/XXXX for the amount of {$380.00} and the XXXX from XX/XX/XXXX for the amount of {$350.00}. This is a total scam and they have hurt my credit, caused me to loose a deal on a property I wanted to buy and continue to make false reports to the credit reporting agency. What can I do to clear my credit and stop these scammers? I found over pages of similar complaints on the internet. This company must be stopped. They also said my address was from a property that I own but it is investment property and I never used it as my mailing address so I know they likely pulled that from the auditors web site.
12/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 437XX	Web
There is information that in on my consumer report that is a result of identity theft. I did not provide my written permission or instruct for the identified items to be reported on my consumer credit report. I am requesting that the reporting of this information be deleted and blocked from my consumer report. My request to block all identified accounts listed below is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Account Name XXXX XXXX Account Date : XX/XX/2023 According to 15 U.S Code 1692c, 1692c ( a ) ( 1 ), 1692c ( c ), 1692e ( 8 ), ( 10 ) and1692f ( 1 ), a company by law is not to report information on a consumers credit report unless instructed or written permission was provided by the consumer to that company. XXXX illegally bought my information from a person and/or company without my knowledge or permission. This is a result of identity theft and as well as false representation on my credit report. You are required to do what I am asking and block the transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response.
05/01/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web	Servicemember
To Whom it May Concern : After viewing a copy of my credit report I noticed a collection account placed on my credit report from you in 2018 account number # XXXXXXXXXXXXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. If any fees are owed and documentation is provided that info should have also been forwarded to Medicare and Medicaid. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me.
10/30/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 08901	Web
XXXX ( opened ) XX/XX/XXXX {$75.00} Filed disputes with XXXX credit agency. Debt has not been correctly verified or validated. Debt is not mine as I have been covered by state insurance for the past 4 years. Debt could be a result of identity theft. A police report has been filed. DEBT IS A VIOLATION OF HIPPA LAW XXXX XXXX ( opened ) XX/XX/XXXX {$150.00} Filed disputes with XXXX credit agency. Debt has not been correctly verified or validated. Debt is not mine as I have been covered by state insurance for the past 4 years. Debt could be a result of identity theft. A police report has been filed. DEBT IS A VIOLATION OF HIPPA LAW XXXX XXXX ( opened ) XX/XX/XXXX {$150.00} Filed disputes with XXXX credit agency. Debt has not been correctly verified or validated. Debt is not mine as I have been covered by state insurance for the past 4 years. Debt could be a result of identity theft. A police report has been filed. DEBT IS A VIOLATION OF HIPPA LAW Debt Recovery Solutions ( opened ) XX/XX/XXXX {$59.00} Filed disputes with XXXX credit agency. Debt has not been correctly verified or validated. Debt is not mine as I have been covered by state insurance for the past 4 years. Debt could be a result of identity theft. A police report has been filed. DEBT IS A VIOLATION OF HIPPA LAW Incorrect social security number.
05/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 480XX	Web
After checking my credit report in XX/XX/2019, I noticed items on my credit report that did not belong to me. I tried disputing with the creditor to dispute the inaccurate information and make them aware of what I noticed on my reports. This has caught me by surprise as I never received collection phone calls pertaining to any debt that was allegedly mine. Later, I was able to get this information updated and even placed a fraud alert on my credit report to be cautious. I have never had a contract with Debt Recovery Solutions , LLC - I am not liable for the collection of the debt from XXXX as this is not mine. I have been disputing this inaccurate information since I was made aware via my credit report and they have not removed this information from my credit file. This has hurt me severely in regards to obtaining credit. Debt Recovery Solutions , LLC states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX ) documentation on file to validate that the debt is mine ( which they have failed to do so ). Debt Recovery Solutions , LLC has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously.
07/04/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 322XX	Web
This debit was presented on my credit file towards the end of XXXX. There was no previous record of this credit debit prior to this timeframe, although the origination and date of service reflects XX/XX/XXXX. The bill comes with various Doctor 's names from XXXX XXXX to now showing as a XXXX XXXX. The amount originally shows as {$1500.00}, {$240.00} and now is showing with the same debit collector as XXXX and {$250.00}, respectively. I spoke with a XXXX in XXXX of XXXX when I initially disputed the amounts owed. I requested verification of the debit, from the original Creditor, no such information was found or provided. I disputed the transactions again, XXXX. I was provided with an address : XXXX XXXX XXXX XXXX, SC XXXX and to address the dispute as Medical. I spoke with XXXX who stated I would receive correspondence via email regarding the initiation of my dispute. Again, this did not take place nor was the information I submitted disputing the charge was addressed. The Credit continues to XXXX my credit score as it continues to report the debit as delinquent. These medical bills are the only debits remaining on my credit that magically appeared only in XXXX. All other outstanding debits have been resolved/ paid. This is fraudulent and the reporting agency-DRS is propagating fraudulent activities.
03/20/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	OH 45040	Web
I received a credit alert from XXXX and discovered a debt collection agency called DRS or otherwise known as Debt Recovery Solutions , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Phone Number : XXXX Per my XXXX report they bought a debt from a place called XXXX. I have never heard of this place and it was never reported to my buraeus before by XXXX. Per XXXX they said I opened the account XXXX XXXX XXXX this not my debt and I have not received validation of the debt and they have re-aged the account to fit their interest in collection of {$340.00}. This debt that is not mine has lowered my credit score by 19 points. They went against the Fair Credit reporting act and I keep getting numerous phone calls that I have to block. They fraudulently re aged an account that is not mine. I have never taken out a pay day loan and it has never been on bureau until this company bought the debt. I had to XXXX XXXX and found they are a paydayloan company and DRS bought the account. I have had XXXX XXXX for years and never seen this debt until I received an alert form XXXX. I have contacted an attorney and filed a dispute with XXXX this needs to be taken off my credit report and DRS needs show validation so I can file fraud report with my local police department. If my identity was stolen I need validation.
01/25/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43054	Web
To Whom It May Concern This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : DEBT RECOVERY SOLUTIONS Balance {$750.00}, {$510.00}. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law.
05/10/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	VA 22901	Web
I have had several notices from XXXX XXXX XXXX and XXXX XXXX ... each time they report on my credit they report different dates, amounts etc.. they have had several complaints of fraud and consumer complaints. I have continually tried to dispute their charges with no outcome and I demand proof of my responsibility of these accounts and the amount. XXXX XXXX XXXX & {$380.00} XXXX-the same amounts..be one can find my name on these accounts-and I had medaid coverage on the dates reported ( which are different on every report ) .I continue to get bills from the with the content " this is a sale '' never again will we give this " sale '' - this is not a legitimate statement from a creditor. XXXX XXXX-XX/XX/XXXX- XXXX.. & XX/XX/XXXX- $ XXXX-same situation always different dates amounts letters with different amounts owed-and I demand proof of theses accounts that contest I have responsibility for these accounts. XXXX XXXX sent me a bill with the name of the agent as name of my son? Last name is XXXX-and have accounts and amounts that are not the same again! Debt Recovery Solutions- sending me bills for a hospital in a different city and county I have not been in and that is not mine. I have not had any of these debts and they keep showing up over and over with new amounts on my credit.
07/30/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 31605	Web	Servicemember
I recently checked my credit and saw this company had popped up and reported like 6 times at once. So I called the number I was given online. When they answered they just said XXXX, I said I'm trying to reach DRS. he then said oh okay let me give you another number. He then came back and said I'll transfer you so I said okay. The next guy answered the phone XXXX, and said who is this I stated again I was trying to reach DRS Debt Recovery Systems, then he said ' how did you get this number '' I said I was transferred. So I proceeded to question the errors on my credit report. He didn't have any of my information and was asking for my full social and birthday and my address. I didn't give him any of that. I told him he could verify it with my telephone number if he needed to or my email. Then he said ' your going to tell me how to run my XXXX business. Right then I knew this had to be some type of scam. I would like this removed from my credit immediately, I had my phone on speaker and 3 of my other co-workers heard the conversation and were shocked. I called the company that they listed they were collecting for and they have no clue as to why this company is contacting me. They could not validate any of my information so i did not confirm anything, and using profanity is violating FDCPA
01/13/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	FL 33897	Web
Debt Recovery Solution has reported to the CRAs that I owe them {$8600.00}. They stated that the account was opened on XXXX 2015 and that the account had the first major delinquency on XXXX 2015. I find out about it when I check my credit report. Since I do not recognize the company or the debt, I called them to obtain information. They told me the debt was mine from an old credit card that I had at some point of my live and that I had stopped making payments several years ago. I requested the validation documents, but I never got them. Assuming they are right and the debt is actually mine. Since they claim this is an old debt, then the open date can not be XXXX 2015, and the major delinquency date can not be XXXX 2015 and the date of last activity can not be left blank. Therefore, Debt Recovery Solutions has parked this account on my credit report, violation of the FCRA. I must be notified they are trying to collect a debt and that they will report to the CRAs. The collector has re-age the account, another violation of the FCRA, the collector falsely reported the dates. Finally, up to date the collector has not validated the debt, 3rd violation. I filed a dispute with the CRAs. The CRAs did not remove the account because the collector claims the information is accurate.
07/29/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA XXXXX	Web
I have filed a complaint about Debt Recovery Solutions before, and they have responded. Unfortunately, they have not fulfilled the obligations of their response. The response was as follows : [ [ This office acknowledges receipt of the complaint you have filed with the Consumer Financial Protection Bureau. The account in question was referred to our office for collection in XXXX, 2020. In light of the information set forth in this complaint, we have closed this account in our office and returned the matter to our client for further review and processing. As such, you will not receive any further communication from our office concerning this account. Additionally, we have instructed the credit reporting agencies to have this account deleted from your credit profile. Please feel free to contact me directly if I can be of further assistance. XXXX XXXX Debt Recovery Solutions , LLC Managing Member/General Counsel XXXX ] ] The account has NOT been removed from the credit profile despite me disputing to XXXX, XXXX, and XXXX. This means that they believe the account is still " legitimate '' and can be collected on. This also means the account is NOT closed. This means they have NOT informed the credit bureaus to remove this inquiry. They must promptly do as they said they would.
05/05/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 48505	Web
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act Collections- Debt Recovery Solutions {$480.00} opened XXXX, Collections- XXXX XXXX XXXX XXXX said I owed them {$8900.00} open XXXX They are not the Original Owners 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report 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. 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, XXXX, written permission to furnish these accounts.
09/26/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	NY 11204	Web
I have disputed several accounts from this Collection Agency. Besides that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I have retained new copies of my credit reports, and noticed that they did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XXXX/XXXX/2016. ( i have certified mail receipt as proof of signature ). I have sent them a letter on XXXX/XXXX/2016 regarding this issue and that they must now remove all negative accounts from my credit reports ( attached herein ). however for some reason i have n't yet received confirmation of delivery. Since I do n't want to wait any longer I am filing this complaint. If the negative accounts do n't get removed in a timely fashion I will file a small claims suit against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
11/04/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 932XX	Web
I am reporting an identity theft case. I disputed the fraudulent account and informed the credit agency as well the bank/collection agency ! It was confirmed by the bank, that the account was not affiliated with my information. Allegedly, the account was opened in 2018 with my brothers name and address the account did not even indicate my name or address. My brother has and never had any access to my social and is willing to file a report if needed. We believe we got hacked and someone used my social and his name and address to open said account. The collection agency is drs and I was reported buy XXXX XXXX for {$680.00}. Despite the different name affiliation the collection agency is refusing to inform XXXX XXXX that the account was open with a different name and XXXX XXXX refuses to help me unless the party who reported me confirms said information. Meanwhile, my credit is being damaged because the bank is refusing to drop the account bank confirmed wasnt in my name! I disputed this account and explained the situation and XXXX XXXX wrote me a letter that the collection agency claim that the account is legitimate! I disputed this account again and explained the situation once again how can the account be legitimate if its not even opened in my name
11/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	AZ 85027	Web
Pursuant to 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) In accordance with the written instructions per the consumer to whom it relates. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX never gave XXXX, XXXX, or XXXX written consent FROM MYSELF to report anything on my consumer report, No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of all account as it relates, Immediately. I, XXXX the executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed. In addition These accounts have not been validated and must be removed pursuant to FDCPA, FCRA and Federal laws
04/16/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	NV 89129	Web
ORIGINAL COMPLAINT TO BBB This company is reporting as a NEW debit on my credit report. I received a letter dated XXXX XXXX 2021 stating that I owed XXXX to an original creditor for a loan. It said I needed to reply by XX/XX/XXXX2021. On XXXX XXXX 2021 the same date of the letter they reported to the credit bureau that I had a NEW debt to them ( XXXX ) for a past due loan same amount and information. It has a status update of XX/XX/XXXX it says I am 30 days late as if I made a agreement with XXXX XXXX XXXX. Which I did not. Not only did they not give me a chance to reply to the letter they reported it on the same exact date as a new debt to the credit bureau. I have only had one letter stated above and no other type of contact by this company and they reported a 30 day late. It was also updated with the bureau on XX/XX/XXXX. 2021. I did not sign/agree or speak with XXXX XXXX XXXX in any form. Supposed acct # with ( XXXX ) XXXX XXXX responded to the complaint with the BETTER BUSINESS BUREAU and said they after review they would delete the account and remove the information from the credit bureau. However what they did on the same day the said they would delete the Information they reported it to another credit bureau. I do have a copy of the reply if needed.
03/27/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 23228	Web
I have tried to get this resolved with XXXX and the debt collection agency when they were calling about this account several years now. The problem is XXXX is stating I owe a debt of XXXX. To prove I owe this debt they sent me statements. I am not saying I didn't have a XXXX account so therefor I do not need statements. What I am stating is that I called in to a XXXX agent and spoke with a rep who stated that this debt would be removed if I sent in the equipment which I did. Once the agent advised me of the information I mailed in the equipment along with tracking information and waited for the update to take with the debt recovery solutions. Instead I was told that I still owe the debt which doesn't make sense because if you send statements that have equipment fees on there and the balance is still reflecting these fees .. 1 the balance is inaccurate 2. the XXXX agent should not have provided the direction that by sending in the equipment the balance would be updated and removed from my credit report. This is unfair and I know this poses UDDAP concerns by your agent providing me inaccurate information. I want this in accurate info removed from my credit report and the called pulled with the agent providing me this information and I know it can be pulled.
10/06/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 92109	Web
I was attempting to have a debt disputed on my recent credit report. I called the reporting debt collector ( Debt Recovery Solutions ) to find out what the debt was. The only information they would give me was that it was an ambulance company and it was a debt from 2011. There was indeed a ambulance ride in 2011 but it was covered by insurance. The bills were going to the wrong address according to the debt collector but they would not provide me with the name or phone number of the ambulance service. I asked to speak to a supervisor because I knew that they had to provide me this information by law. I was hung up on. I called back XXXX more times and I was hung up on. XXXX is disputing this for me but it could take up to 30 days. I am in the middle of securing loans for a new business. My credit score dropped from XXXX to XXXX the day this debt hit my credit report. ( Yesterday ) If I had the name of the ambulance service I could resubmit the insurance and have it taken care of. But Debt Recovery Solutions apparently want me to take care of the debt in order to collect their money. This is going to ruin any chances I have of securing the loans that I could have when my score was XXXX and did not show I have a delinquent account over 4 years old.
07/02/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33064	Web
I have received " invalid '' debt validation from XXXX XXXX, XXXX Vice President of Client Services via email. As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. I am allowed under HIPAA law to protect my privacy and medical records from third parties. I do not recall giving permission to ____ for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization, therefore my request is as follows : Please provide a breakdown of fees including any and all collection costs and medical charges. Please provide a copy of my signature with the provider of service to release my medical information to you. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. Immediately cease any credit bureau reporting until debt has been validated by me.
04/12/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 13126	Web
I paid XXXX XXXX group on XX/XX/XXXX for a medical debt of XXXX ( give or take a few dollar/change ). They informed in at that time as soon as transaction as done they would inform the credit bureau to remove it from my credit report. I paid for my credit report days later which showed debt solutions as the company holding the medical debt not XXXX I then called debt solutions who stated they held the debt and I need to pay them in full. I requested the original bill explained I paid it off with another company. They gave me an email to send a validation letter to confirm so they could dispute payment. I spoke again to XXXX XXXX on XX/XX/XXXX requested a validation letter informed them another company stated they owned the debt and was also demanding payment. Was sent validation letter on XX/XX/XXXX. Emailed letter to debt solution, called to confirm they received letter so they could remove debt as it was paid. They stated they had to send letter to yet another debt agency XXXX XXXX XXXX XXXX to confirm letter was valid and ask if they wanted them to remove the debt from my credit report. This is three companies claiming my medical debt when its been paid to one. I have the letter proving its been paid. Attached will be the letter
07/30/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75023	Web
On XXXX XXXX I sent a certified letter to Debt Recovery solutions for debt validation. The letter arrived tot he company on XX/XX/2020. I mentioned in my validation letter to please provide me with competent evidence that i had any legal obligation to pay them. I mention to please reply within 30 days with proper documentation. I sent debt Validation letter packet for the company to complete and with return with the proper documentation. The company responded within the time frame but they sent a copy of a bill invoice saying this is their validation and if i could pay now. I am very disappointed with what the company provided to me not only was the company not compliant to what i requested but they sent a copy of bill which proved nothing to me and then demanded payment without verifying anything to me. i state in the validation letter packet that the company must return the completed form along with copies of all requested information, which establish their right to collect the alleged debt within 30 days from the date of the receipt of the letter. If no their claim can not and will not be considered if any portion of the form is not completed and returned. unfortunately DRS didn't provide anything but a copy of a invoice.
06/19/2023	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 956XX	Web
This debt collector company bought original debt from XXXX XXXX that I owed back in XXXX XXXX XXXX. How are they able to report it to my credit report after the 4 year status of limitation payday loans have. I just showed in my credit report couple weeks ago for the first time. I called debt recovery solutions and asked them how come I have never received any physical mail that show my debt and they responded that they send it a year ago but I never received anything. Till today I havent received anything. Can payday loans report to your credit report? I read that payday loans companies are not allowed to report it to your credit report or sell the debt to a collector. But if they could its passed there 4 years of statutes of limitations. Please help me resolve this its messing up my credit report. DEBT RECOVERY SOLUTI Reported : XXXX. XXXX, XXXX - {$310.00} Needs Attention Overview You have 100 % left to pay on this collection. Balance {$310.00} Highest Balance {$310.00} Opened XXXX XXXX, XXXX ( XXXX mos ) Account status Open Type Unpaid Responsibility Individual Account. Remarks No Info Original Creditor Name XXXX XXXX Closed No Info DEBT RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
06/11/2015	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	FL XXXXX	Web	Servicemember
I spoke to the original company with DEBT and they said that the TRADELINE HAS been DELETED for that supposed debt. According to the original debt company the TRADE LINE was already deleted and no one after that should be contacting me that I owe a debt. When none of the information on file for that debt collector for me was inaccurate. But according to DEBT RECOVERY SOLUTIONS IN NY, I still owe the money to the original debt company. I told them I found out about the debt bc I am getting ready to buy a home and the individual from that company told me " I WILL NOT BUY ANYTHING TILL I PAY THEM OFF FOR THIS DEBT '', the individual that I called was harassing me bc I will not be able to buy the home am looking to buy bc of this debt. He also told me that he knows what happen bc I did not know the address he had on file for this debt, he was saying that I did all of this and that he already heard all the excuses so that whatever I said was not true at all. When I told him I was not even in the state during that time frame of the debt and not to mention the address they have on file I do not even know. I forwarded DEBT RECOVERY SOLUTIONS the letter from XXXX the original debt company that the TRADELINE has been deleted.
06/17/2021	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 Was not notified of investigation status or results	KS 66604	Web
I checked my credit report last month around XX/XX/2021 and i saw this fraudulent account on my profile being reported by XXXX and XXXX. It is the first time i seen these accounts. I've never received any information from the company or the collector DEBT RECOVERY SOLUTIONS so i don't know whats going on. This account is not mine i've tried disputing and calling the credit repair companies and i also sent letters to the debt collection company. It is extremely hard to get someone on the phone through the system it is very confusing and time consuming. They are violating my rights by reporting this false information. 15 united states code 1681 ( a ) ( 1 ) says they must report accurate information. It has been more than 30 days and all they say is that the information is verified. How, they haven't sent me one document showing that it is mine. I'm so confused how they can just violate the law like this and destroy my credit score and not be held accountable. I do know Fair Credit Reporting Act laws protect me from this type of stuf. 15 United States Code 1681n ( a ) ( 1 ) says any actual damages like the stress plus up to {$1000.00} per violation. I need this stuff deleted our i will have to excercise my rights.
12/22/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	OH 457XX	Web
On XX/XX/XXXX I received a Credit Monitoring Alert that a Collection Agency called Debt Recovery Solutions in violation of FDCPA I had not received a letter or attempt to contact me allowing me 30 Days to Dispute. On XX/XX/XXXX I received a letter in the mail offering to settle for a discount at {$6000.00}. This Title Loan through XXXX in XXXX, Ohio was settled in full on XX/XX/XXXX with the return of the Vehicle and sold for settlement. I spoke to XXXX XXXX XXXX XXXX at Debt Recovery Solutions and explained to him that this had been resolved over 2 years earlier and I had an outstanding Credit Report that has never had a derogatory remark. He informed me that he was putting in a immediate delete with all 3 Credit Bureaus. I followed up by sending in proof that Debt was paid in full and this was settled. The emails were sent the same day to the Compliance Officer. I have been checking my Credit Report and it still has not been removed. I filled disputes with all 3 agencies on XX/XX/XXXX. This company has been sued in multiple class action lawsuits and has more negative reviews with the XXXX. The agent was polite on the phone but the company did not follow through. Please get this off my Credit Reports!!
03/25/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 75240	Web	Older American
On XX/XX/XXXX, a new collection account appeared on my credit report from Debt Recovery Services ( DRS ) - original creditor was a pay day loan from XXXX XXXX in the amount of {$350.00}. See page 1 of my proof document a page taken from my XX/XX/XXXXcredit report. On XX/XX/XXXX I mailed a check in the amount of {$350.00} to DRS as full payment for the debt. This check cleared my bank, XXXX XXXX XXXX, on XX/XX/XXXX as evidence by DRS deposit stamp on back of the check and the amount being debited from my account. See page 2 of my proof document. After several calls to DRS the week of XX/XX/XXXX, XXXX, and XXXX, DRS still says it has no record of my payment. After filing a dispute with XXXX and XXXX, DRS still indicates that I owe the debt. See page 3 of my proof document which shows the results of my dispute. I have provided proof to DRS and to the two major credit reporting agencies and DRS will not acknowledge that they cashed my check, collected the funds, and will not modify my credit report. This is WRONG, it is criminal and they should be held accountable for violations of the FCRA. This is a clear violation of the act since I have undisputed documented proof that this debt was paid in full.
04/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37174	Web	Servicemember
XXXX XXXX XXXX both have a debt listed on my credit report as " DEBT RECOVERY SOLUTIONS '' or " DRS ''. These are medical debt that have previously been removed from my report and marked as identity theft -- The original creditor, XXXX XXXX, was informed and subsequently removed the accounts from my report. However, the debt was sold ( again XXXX and now the new debt collection agency ( DRS ) listed the items on the credit report. When attempting to dispute the items XXXX XXXXorrectly removed the debts, but XXXX XXXX XXXX both " verified the information as accurate ''. In my dispute I CLEARLY asked for proof of debt as per section 609 of the Fair Credit Reporting Act-a creditor or collector must provide you with a copy of the original, signed consumer contract, sales agreement, or other initiating documentation XXXX financial responsibility agreement for medical bills ) once it is demanded by a consumer. Not only did they not provide this documentation -- they simply left the information on my report. This is also a potential HIPAA violation. Providing said documentation would be a direct HIPAA violation- as it would disclose medical diagnoses and test performed to whomever the actual owner is!
07/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30022	Web
On XX/XX/XXXX, I received a letter from Debt Recovery Solutions , LLC claiming that I owe {$150.00} to that company, as a result of a supposedly unpaid cell phone bill for an account with XXXX. I contacted Debt Recovery Solutions and informed them that ( XXXX ) I have never had an account with XXXX, ( XXXX ) I have not had a NY address since XX/XX/XXXX ( they said the address for the account was in New York ), and ( XXXX ) that the debt and account are not mine. Since XX/XX/XXXX, I have contacted Debt Recovery Solutions on XXXX separate occasions to request that they either send documentation to support their claim that I owe the money ( I know they have no such documentation ), or that the company cease attempting to collect this alleged debt, and that they remove the delinquency report they have made to all credit reporting agencies. Debt Recovery Solutions has not done either of these things. In the meantime, my credit has been negatively affected by the false credit reports submitted to the credit reporting agencies by Debt Recovery Solutions. I can not get the company to remove the false report concerning the alleged debt, nor will they provide any support for the supposed debt and account.
05/04/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33810	Web
on XX/XX/2020 @ XXXX XXXX XXXX at Debt Recovery Solutions did not disclose relevant information regarding settling my debt at a lower amount until after payment had been submitted. Had the relevant information been shared at the appropriate time I would have had the opportunity to completely clear this debt but because they did not, this will now stay on my credit for the next 7 years. I would have gladly worked with them in order to get this fully pulled off of my credit but was not given that opportunity. The full amount to be paid was {$470.00} and was settled at {$160.00}. When XXXX said that it would be reported as paid at a settled amount I asked him what that meant and he refused to provide any sort of help or information as to how that would affect me. He then pushed to get off of the phone as soon as possible, not giving my an opportunity to understand what he did. It wasn't until I called XXXX that I was able to understand what had even transpired on that call. I didn't get full information or even an opportunity to receive full information. When I asked for a more thorough explanation they refused to provide one. I have attached the full conversation recorded with XXXX 's permission.
04/19/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 77065	Web
I checked my credit report and seen Debt Recovery Soultions is reporting XXXX accounts stating that I owe them. I sent the agency a XXXX validation letter asking to provide proof and my signature stating I gave them permission and access to my personality information. Debt Soultions sent a letter NOT VALIDATING my information but verifying information. I see a lot of things on the verification letter that 's incorrect. The phone number that they have on the letter XXXX NEVER had that number. The service date that they provide does not match the service date that 's on my credit report. Debt Soultions stay the service date on the account is from XX/XX/XXXX , XXXX and the Service date on my account says XX/XX/XXXXX Debt Recovery Soultions will not send me validation of this debt they only sent me verification that 's very incorrect. Debt Soultions failed to verify information. I 'm sending a second letter asking for validation .Debt Soultions also wrote in the letter that " the amount in hbd due from patient column on the enclosed is XXXX because the account has been charged off as delinquent ". There is information that 's on their letter that does not match my information
11/14/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77346	Web
You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''
03/16/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	SC 29229	Web	Servicemember
XXXX is claiming I owe them {$470.00} for early termination of contract. I had a two-year contract with them from XXXX - XXXX. After that I was on a month-to-month plan and I had to relocate because my landlord moved back in their house at XXXX, VA XXXX. When I contacted XXXX to inform them that I was relocating and wanted to transfer my services to XXXX ( XXXX, VA XXXX ) they informed me that they only had telephone service in that area at that time. Since I needed a total package ( phone, internet and cable ), I left XXXX and went with XXXX. XXXX then told me that I would have to pay an early termination fee if I did not take their phone service with me. XXXX alleged that I was back in a contract because they gave me a {$200.00} Gift Card which is not true. The only {$200.00} Gift Card I received from XXXX was back in XXXX for the 2-year contract. I did not receive anything after that from XXXX. I have tried on numerous occasions to resolve this issue with XXXX with no success. I also filed a dispute with the credit consumer reporting agencies with no success. This issue is adversely affecting my credit report. Any assistance you can provide will be greatly appreciated. XXXX
09/12/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	WA XXXXX	Web
I received notification about this debt on my credit report. I disputed the debt online and also provided proof that I settled this account balance with the previous collection agency that held the debt, XXXX XXXX, XXXX. and/or XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX. This account balance was settled for {$620.00} with the agreement that it was removed from my credit report on XX/XX/2022. I have proof of the settlement offer as well as the receipt of payment. After disputing the debt, this collection agency responded that their account information was accurate and continue to report it on my credit with no validation. I am also sending them a certified letter of the written dispute. I held no other balances with the original creditor. Failure to comply with receiving proof of payment that this debt has been paid is a clear violation of the FCRA. I have also attached proof of the settlement agreement with the previous agency. Again, I will be sending a certified letter today outlining the dispute, proof of payment. Failure to remove from my credit report will leave me no choice but to file a lawsuit against this company for failure to comply with the FCRA.
09/26/2020	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 76011	Web	Older American
The company DRS has flagged all 3 of my my credit reports as of XXXX XXXX stating that I just opened and defaulted on account with XXXX XXXXIt says I opened the account on XX/XX/XXXX. This is an old account approx. 7 years ago that was paid off and the total was a lot less. I have contacted the company. any times and was told they couldnt or wouldnt correct the dates. I have disputed this approximately 5 or 6 times and they keep updating my date the account was opened every mth. They will only say the dates are correct and they will not change the errors. This has caused me great financial strain during this pandemic and lack of money. I have been unable to get a loan or new credit card because it says the defaulted account is recent.. Please help me. They also have another account for {$640.00} with a date of XX/XX/XXXX as the date the account was opened as it was just opened and I think it is the same account as above already listed just a different amount and date opened but both incorrect dates are for current dates and wrong ... that they reported to all 3 credit bureaus the account date opened and flagged as it was just opened and defaulted.
09/11/2018	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	PA 18018	Web
Originally the debt was claimed to be a school debt. No documentation was provided after repeated written requests. I sent a certified letter as well, asking for the correct information from the original claim to prove it was mine. Debt Recovery Solutions has not provided any documentation to show it was truly my debt and they would not disclose how much they bought the debt for. I found out that the original debt was written off from the original school. They did not respond within the 30 days as requested in the letters. I did attempt to settle the debt with the company. The debt then was CHANGED to a " medical '' debt on my credit report for the same exact amount. Currently, the debt shows up on my credit report as a student loan again ( as they changed it again ). XXXX has removed the dispute on my credit score but it still shows up on the XXXX credit report. The Debt Recovery Solutions ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX, ( XXXX ) XXXX needs to be investigated. This has hindered my ability to purchase a home due to the dispute showing up and because of the amount of time they have waisted not responding to my letters. Thank you.
12/14/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MA 01930	Web
I ordered a Electronic exactly from the company I owed towards. The electronic ended up getting stolen/lost while I was at my friends house. Now these people are saying I owe for somthing that I have no presence of even having it. I called them very rude and pushy on the phone lines. They say I called them before and promised I was going to pay them which also isnt true cause they called me multiple times while I was at work and I told them I would get back to them and they repeatedly are pushing for money. NOTES * This debt payment was requested back on XX/XX/XXXX and I just received my first notice today from them which is XX/XX/XXXX and there saying im overdue without giving me a notice back in XXXX. XXXX Very pushy on the phone lines begging for money that I dont owe. * Also the address they have listed as the agency address is Fake cause I checked XXXXXX/XX/XXXX and the place is a clothing store plus a clothing store websit and they also asked me to send my dispute to a place that doesnt even exists. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Ma XXXX ( CLOTHING STORE NO DEBT PLACE AT ALL ) PHONE : XXXX ( Pushing for money Seems Fraud )
12/01/2023	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 92223	Web
Received letter from Debt Recovery Solutions LLC attempting to collect a debt I supposedly owe to XXXX XXXX. On the letter it states this is regarding an alleged loan with XXXX with acct # XXXX for {$5700.00} that was sold to XXXX. I received a similar letter earlier this year from XXXX for the same alleged debt. Looks like it's now been sold to DRS for collections. On that notice I was informed that " The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it and we will not report it to any credit reporting agency. '' This notice from DRS did not contain that language. The CFPB investigated this concern on Case # XXXX and XXXX debt collector removed it from all my credit reports. DRS has since placed a derogatory collections on all of my credit bureaus adversely affecting my credit. This should not have been reported to the bureaus and needs to be removed IMMEDIATELY just as the previous collector determined was the appropriate thing to do. DRS is in violation of Cal. Civ. Code 1788.14 and Section 605 ( a ) ( a ) of the federal Fair Credit Reporting Act ( 15 U.S.C. Sec. 1681c ).
08/09/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	KS 66614	Web
I met with a HUD approved credit counseling agency in XX/XX/XXXX and setup a payment arrangement with Debt Recovery Solutions for a prior XXXX balance. I sent the money directly to XXXX paying {$50.00} per month since XX/XX/XXXX. When I realized I had been sending the payments to XXXX, I contacted Debt Recovery Solutions in XX/XX/XXXX and sent a letter via certified mail to have the money sent from XXXX to Debt Recovery Solutions per the instructions of XXXX XXXX with Debt Recovery Solutions. After no response, another letter was sent to Debt Recovery Solutions on XX/XX/XXXX that was sent certified mail and again no response. I attached all the payment receipts and this debt has been paid in full, however, is still reporting to the credit agencies. I tried to call Debt Recovery Solutions again today, XX/XX/XXXX, and was hung up on twice ( after being very cordial and only asking for an update ). On my third attempt, a gentlemen referred me to call XXXX XXXX who is handling my case at XXXX. I called that number and there was no answer and no voicemail to leave a message. I am not sure what to do at this point to resolve the matter.
05/15/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	OH 449XX	Web	Servicemember
After discovering a recent negative account added to my credit file, I contacted the Debt Recovery Solutions company located in XXXX XXXX inquiring about the account. I was informed it was a physician bill from XXXX years ago. I challenged that I would owe a physician {$630.00} as I have always had insurance and asked for proof. After XXXX weeks, I called a XXXX time stating I did not receive the requested information. The lady was very rude, overtalking me and I had to ask her to let me finish my sentences. I informed her that I would be researching the validity of the account and asked what the discount would be for me to pay it, if it is found valid. I was informed that {$530.00} would be accepted. After contacting XXXX XXXX XXXX XXXX XXXX XXXX ( my insurance provider for the last XXXX years ), they stated the physician, XXXX XXXX, never filed a claim for rendered services. The fact that their office did not file a claim to my insurance company, within XXXX months of service as allowed, can not leave me liable for the fees charged. Furthermore, I never received a notice of collection prior to this appearing on my credit report.
06/27/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 08901	Web
Person in charge, I am writing this complaint because I have been getting harassed by DEBT RECOVERY SOLUTIONS. They have placed multiple collections on my credit report and have duplicated many of them. When asked when these medical bills went into delinquency, I was told in XX/XX/XXXX. I have always had medical insurance and not sure why they were billed. After several attempts to collect money from me and threats, theyve decided to place 9 accounts from XX/XX/XXXX on my credit report. Opened : XX/XX/XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX Opened : XXXX, XXXX, XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX I have contacted this company by mail asking to delete this medical bills for my credit profiles and they have not responded. I have requested a validation of these bills and they sent me only a notice that it was in collections. They have not validated or verified these accounts. Please help me remove these accounts off my credit reports.
08/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77346	Web
In XXXX I looked at my credit report on a free website. I noticed my score had fallen a bit and I was curious as to why. I accessed my credit report through the annual free website. I then saw a collection had been added to my credit report on XX/XX/XXXX by Debt Recovery Solutions. It detailed that the original creditor was XXXX XXXX. I then sent a letter to Debt Recovery Solutions to advise them that XXXX XXXX had been paid in full in XX/XX/XXXX. Along with the letter I included a copy of a paid in full letter that I received when back in XX/XX/XXXX. I have not received any correspondence from Debt Recovery Solitions and there has been no update to my credit reports. The collection is still being reported and it is being reported as unpaid. This collection was not previously on my credit report at any time. Payment was made directly to XXXX XXXX XXXX, the first collection agency, and the account was paid in full without any negotiation and it was paid prior to ever having being reported to any of the 3 credit bureaus. Debt Recovery Solutions has not corrected this error and it is still being report to the major bureaus.
03/16/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 454XX	Web
On Thursday, XX/XX/2019 I received a letter from Debt Recovery Solutions regarding an alleged debt they were trying to collect for XXXX. I called the phone number stating I have never done business with either company. Debt Recovery Solutions had MY vital information including my social security number. I then contacted XXXX account services, and they provided me with information on the alleged agreement including a DOB and a Social Security number that belongs to MY FATHER, not me. My father and I share a name, he obviously is XXXX, and I'm XXXX XXXX has the correct information, whereas their debt collector Debt Recovery Solutions has unlawfully obtained my social security number and somehow are trying attach it to this alleged debt. I contacted Debt Recovery Solutions informing them of their blatant irresponsibility and contacting /harassing the wrong person. They demand I make a police report, and refuse to correct the issue. They need to be investigated thoroughly for their unlawful business practices. This is not my debt, nor has it ever been my debt. To date they have refused to provide me with the documentation.
10/29/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
I do not have a signed contract nor any contract with Debt Recovery Solution. I have never done business with this company. I am not liable for collection from this debt from Debt Recovery Solution. I am not responsible for this debt with XXXX XXXX XXXX. XXXX inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA.
04/09/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33166	Web
Greetings. At this time XXXX and XXXX are reporting a debt collections on my credit report which does not belong to me and is inaccurate. XXXX does not even see it on their end. The collection appeared within the last month and says its from DRS ( Debt Recovery XXXX ) for {$580.00} from XX/XX/2021. I have never done business with this company and do not have any outstanding debts. I can affirm that I do not have any debts, especially none on or around XX/XX/2021. This is being inaccurately reported and is negatively affecting my credit report. I was able to file an electronic dipute with both XXXX and XXXX using their mobile app dispute services. I received a response within 30 days, in compliance with the law. However, their response is that the debt collection is valid. I never received any information from Debt Recovery XXXX regarding this alleged debt. I never received any communication regarding this collections. I believe this information is fraudulent and inaccurate and respectfully request that they produce information to validate this claim in a timely fashion. Thank you for your attention to this matter.
07/16/2018	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 Problem with personal statement of dispute	KS 672XX	Web	Servicemember
Today, I checked my Credit Report through " XXXX Credit Scorecard. '' My score shows me receiving a score of XXXX. When I click on " What's Hurting '' my score, it shows that there is a " Presence of derogatory public record or collection. '' Without seeing exactly what that is ... I am pretty sure it was from a company called " Debt Recovery Solutions '' in which I was contacted several years ago on an alleged payment I refused to pay. After dealing with this for two years, the company finally sent me a letter stating, " our office has contacted the major credit reporting agencies and has instructed them to delete any update we have placed on your credit profile. Please accept our apology for this clerical error. If you have any further concerns, please feel free to contact the undersigned directly. '' The Credit Report says that a " paid collection will remain on your credit report for 7-10 years. '' Since there was a mistake made on " Debt Recovery Solutions , LLC '' and that was later confirmed, why does it still show up on my Credit Report? Could you please help me resolve this as soon as possible?
11/14/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92679	Web	Older American, Servicemember
Three months ago I checked my credit score and it had dropped noticeably and I wondered why? I contacted XXXX ( one source of my credit score ) and asked why? They had a " derogatory '' rating on an account I have never seen before or knew existed. It came from Debt Recovery Solutions ( DSR ) in XXXX, NY ( XXXX ) who apparently bought a past due claim from XXXX ( also in NY ). Digging into who XXXX, I learned it is a payroll advance/loan business. I filed a fraud claim with XXXX and on their advice also filed a fraud report with the XXXX XXXX, CA Sheriff 's office ( I live in XXXX XXXX ). XXXX notified me ( after they investigated my fraud claim ) that DSR had all my personnel information correct, so it must legitimate. This claim is ludicrous, completely false and fraudulent! I am a retired successful business professional. I would never need or use a payroll advance service because I am aware of their terrible reputation and I am not in need of money. I can only conclude that my personal information was somehow hacked. How can I get this removed from my credit records? Thank You for your assistance
07/12/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33617	Web
I disputed this collection account and was not provided valid documentation showing the details of why this account is linked to my information. I sent a letter by mail requesting to send me the information on the debt showing why, when, and how it was mine and advised them to provide me this information within 30 days, and nothing was sent to me. The original debtor that is showing on my credit file under XXXX XXXX XXXX XXXX illegally sold this debt to another company and is in clear violation of the HIPPA LAW and is now under Debt Recovery Solutions. Neither of the company 's have provided me ANY information in regards to how this debt is linked under my financial obligation and they have reported it as a debt to all three major credit bureaus. It is showing the total amount of XXXX owed to Debt Recovery Solutions as of last reported date of XX/XX/20. I am requesting that Debt Recovery Solutions provides a wet signature and documents proving that i am financial obligated and liable for this debt. If their company does not provide this information with in 30 days i will be seeking legal action.
06/21/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OK 741XX	Web
On XXXX/XXXX/XXXX Debt Recovery Solutions , LLC sent what they claim is a second letter regarding a debt they claim I owe to XXXX in the amount of {$1900.00}. In their predatory letter they claim the debt is a " long outstanding obligation '', with a XXXX account opened on XXXX XXXX, XXXX. Not very long even if it were mine. Also the account was opened in XXXX, whereas I live in Oklahoma. I informed the predators that I have never had an account of any type with XXXX. My credit history also reflects that I 've never opened any account with XXXX XXXX because their services are questionable at best. I informed the predator 's representative, a XXXX XXXX, that refused to provide a real name, that I planned on investigating the matter. Said investigation will include a lawsuit. Apparently Debt Recovery Solutions , LLC is fairly familiar with being sued judging from the almost XXXX complaints on the Better Business Bureau website as well as the multiple addresses they use. " XXXX XXXX '' stated she would remove the hit from my credit record, but it 's clear that she has no intention of doing so.
03/09/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34759	Web
I was going over my credit report I noticed an from Debt Recovery Solution {$1500.00}. I have never had an account or contract for service with You must provide historical data regarding all consumer materials reported to any credit reporting agencies for my name XXXX XXXX. Since serious problems may be present in those files, I am compelled to demand that your company send all validation materials promptly. Moreover please attest that any third-party collection agency, if engaged, is bonded to collect in my state of residence due to unfortunate financial events related to my having been a victim of fraud. This is not a request for a non detailed overview. Instead, I am calling for a full verification. If this documentation can not be provided within 30 days, any detail sent by your company to the credit bureaus should be regarded as unreliable and may evidence a disregard for the Fair Debt Collection Practices Act or other applicable statutes. In that case, annul such consumer information without delay. Thanks sincerely for Debt Recovery Solution LLC diligent examination of this matter.
01/04/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IN 467XX	Web
On XXXX.XXXX.2017, I was notified that Debt Recovery Solutions LLC, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, was reporting that a collection on my report. I immediately contacted the agency that this was not my account. I had disputed and removed this account previously and I am at a loss as to why this is back on my credit report. I requested validation in writing from the company and submitted a disputed verbally. I received one paper that looked like a receipt. I did not receive anything showing that I had been treated, no original documentation with my signature, no account number, or that I had been treated to incur this debt. I also disputed this with XXXX, and was told that the agency had clicked a button stating that it was my account and that was good enough. NO DOCUMENTATION has EVER been provided because I was not seen, this company is reporting fraudulent information and it needs to be removed. I will report this fraudulent action to every government agency I can until practices like these are stopped. Tis company gives other legitimate collection companies a bad name.
04/08/2023	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	CA 95624	Web
The original debt is from XXXX XXXX XXXX in the amount of {$3800.00} the account went into default and transferred to debt collections company ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX on XX/XX/XXXX. XXXX XXXX reported the collections account from XX/XX/XXXX, XXXX XX/XX/XXXX. They received no contact or payment from me during that time. The collections then fell off of my report as of XX/XX/XXXX. Apparently the debt was sold sometime around XX/XX/XXXX to : DEBT RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, They have not received any payment or contact from me. The company : DEBT RECOVERY SOLUTIONS has now began harassing me and trying to collect this old debt. They have reported to both XXXX and XXXX that the collections account is a new account and origination date was XX/XX/XXXX. This information is incorrect and they are still trying to collect a debt that has reached its statue of limitations for California and are re-aging my account. I have reached out to XXXX and have not yet to have the account updated with correct information or removed.
10/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from Debt Recovery Solutions , LLC in XXXX of 2022 in the amount of {$1500.00}. First and foremost, Debt Recovery Solutions violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Secondly, what obligation do I have at all to Debt Recovery Solutions? I have never heard of them, have no written contract with them, and have never received any benefits from them, yet Debt Recovery Solutions has submitted negative information to all three credit reporting agencies against my name and social security number and is demanding payment from me in the amount of {$1500.00}. Without my signature on the original creditor contract that shows I ever agreed to pay an assigned debt collector, Debt Recovery Solutions is breaking the law by negatively reporting this information to the Credit Bureaus.
04/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	FL XXXXX	Web
As part of my move from XXXX to XXXX in XX/XX/XXXX had paid of XXXX for XXXX services in full. However, XXXX ended updating their records incorrectly and handed off my 'closed account ' to a Debt collection agency called 'Debt Recovery Solutions - DRS '. DRS was contacting me for the payment, during this process my discussion and explanation of the closed and fully paid account was not accepted. I was time and again warned about the 'negative consumer credit reporting ' consequences of this collection and was pressurized to pay of {$280.00}. Despite not owing to pay anything to XXXX or DRS on a low moment I paid off the {$280.00} when DRS promised to delete the 'negative consumer credit reporting ' as an error on their side by XXXX of their collection agent by name XXXX XXXX on XX/XX/XXXX. However, DRS did not keep up its promise and continues to report this debt as a 'collection ' on my account. Fully paid though. This issue negatively impacts my credit rating at the XXXX, XXXX & XXXX and request your intervention with DRS to get this deleted as 'No Fault ' of mine.
08/23/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 231XX	Web
I received a credit alert that there was a derogatory mark on my credit report on XX/XX/XXXX by Debt Recovery Solutions. The debt was paid in full on XX/XX/XXXX and that group deposited the check on XX/XX/XXXX. This entire process was handled by an attorney, XXXX XXXX. Debt recovery solutions required proof of this payment to remove the item from the credit report. On XX/XX/XXXX, I provided a copy of the deposited check as proof of payment in full. Debt solutions issued a generic response stating that they verified the original debt without any reference to the proof of payment provided. The item was updated as accurate on my credit report. I contacted the credit reporting agency directly and filed a complaint. The credit reporting agency XXXX closed the dispute on XX/XX/XXXX, stating that Debt Recovery Solutions verified the original debt, again with no reference to the clear evidence of account payment. This group has chosen to ignore the evidence of an account paid in full and continue to harass me for payment and update my credit report for something that is incorrect.
02/19/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	OH 430XX	Web
I was notified of a collections account that was added to my credit report. Upon opening the app, I saw that Debt Recovery Solutions had placed an {$800.00} collections balance on my credit for a supposed payday loan from 2018. I was completely unaware of this debt. I have moved a couple times, and each time, I have proof that I submitted a proper change of address form and mail forwarding form. I never received any written notice of this debt, nor did I ever have a chance to dispute it. Immediately upon learning of this debt, I called DRS and disputed it verbally over the phone, fearing that I have been the victim of identity theft. I gave them my new address, which they now have sent me documentation claiming it validates the debt. The documentation has the incorrect address and phone number on it. It also has my last name listed as " XXXX, '' which I have never identified myself in this manner. Had I been notified of this debt, I would have disputed it and dealt with it prior to it being reporter to my credit. This is unprofessional and unfair business practices.
01/11/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 78230	Web
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under XXXX XXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
10/29/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77504	Web
I have disputed this debt with the collection agency and submitted to them documents they have asked me a month ago, they said this is under investigation and they are sending it out to their partners that was a month ago, this week Saturday on the XXXX XXXX my credit fell behind 80 points due to a remark from this collection agency a negative remark that I am late 5 months, I called and asked to speak with a manager and he confirmed this is still under investigation but yet added a late remark on the account he told me he will remove this remark but he didnt he said this is a recorded phone like he is the manager name XXXX and assumed me this remark will be removed as its still under Investigation yet he still didnt- why would they add a remark when this account is under investigation yet why would the manager confirm he will remove this remark and NOT remove it? I have done everything they have asked me to do, to send detailed insurance information to send insurance on the day of service they asked me yet I havent heard anything back from them but they add a remark?
12/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21206	Web
There is an account on my credit report ( XXXX only ) with the status of open when it should be showing a status of closed because it was included in a bankruptcy in XX/XX/2016. Its shows a balance of {$0.00} and past due amount {$0.00}, but yet is still open on my account. There is also an account open only on XXXX again of a balance of {$570.00} that I have never received a bill for, but is showing it was opened in XXXX this year. I have disputed these two account with XXXX and sent them proof of bankruptcy and they still have not changed the status of the accounts even though I have received confirmation emails stating the dispute was completed. It is almost impossible to receive information regarding this situation because it is impossible to even receive access on their website because their system can never accurately match my information to confirm my identity and their phone number wait is always backed up hours at a time because no one can access their online features. XXXX should not be a trusted agency for being responsible for people credit information.
05/22/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 933XX	Web
I just don't recall any debt from XXXX, I just notice a collection account on my credit report and I doubt is mine, I called to the agency to pay the bill just because I don't want to have that derogatory information on my personal credit report, I asked the collector that I just don't want to waist their time with long investigations and disputes, I was in the position to pay the bill if they can delete the collection account from my credit report but the collectors don't provide me a clear YES or No, they just said I can pay if and " SEE WHAT HAPPENS LATER ''. So I requested a validation of debt and must important where and when this loan was approved since I feel is not mine or is identity theft, The collection agency claimed they are collecting on behalf another collection company so THEY DON'T HAVE THE FILES AVAILABLE but they will request it and send a validation of debt to my mailing address. I haven't received any letter from them and I disputed this collection account with the credit bureaus but they claim is a legitimate debt but they just don't proof it.
06/20/2022	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	LA 70726	Web
On XX/XX/XXXX I received a notice of credit report changing indicating an open collection account from Debt Recovery Solutions about a payday loan from XXXX with XXXX for {$160.00}. I called them on XX/XX/XXXX and spoke to a rep by the name of XXXX XXXX who told me a letter was mailed on XX/XX/XXXX. I asked what about the 30 day dispute period and He said I only have 14 days which isnt nearly enough time considering mailing. Upon checking the mail on XXXX, I did receive the letter and it specifically states I had until XX/XX/XXXX before action would be taken to dispute this notice. I am in the process of purchasing a home and this collection being added caused me to lose over 30 points from each of the reporting agencies. I have paid this since it seemed necessary per the rep and was informed it would be removed within 30 days. I have already had a similar situation with this company that had to be resolved with the XXXX after over 90 days of no updates. My home ownership process is now on hold and this situation has caused extreme emotional stress and anxiety.
01/05/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 95677	Web
My complaint is against a company known as " Debt Recovery Solutions , LLC ''. This company is attempting to collect on a debt that has already been paid. When I called to get the information on the account they were extremely rude and misleading. First and foremost, the company did not provide validation of the debt even after I called them on and emailed them on XX/XX/XXXX. I sent them a receipt for the debt that was paid and when I paid it with XXXX XXXX. Secondly, I called XXXX XXXX XXXX XXXX XXXX Nevada and had them confirm there was absolutely no other debt owed, or sent to collections. XXXX XXXX XXXX XXXX XXXX Nevada mailed me a document with all the account number showing everything has been paid and resolved. I am filing this complain because this needs to be removed from my credit as it is effecting me negatively. Especially in which the way they are reporting the trade line. This medical claim was back from XX/XX/XXXX, they have it reported as being opened on XX/XX/XXXX. Needless to say, this should be removed as I do not owe anything to this company.
04/10/2023	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 763XX	Web
I was looking at my credit report and I saw a few things on there that wasn't correct and I reached out to the creditor on on XXXX XXXX for proof these were my debts. I requested this information to the following agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Re : Amount {$620.00} Debt Recovery Solutions XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Re : Acct # Ending in XXXX ( as it appears on credit report ), Amount {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Acct # Ending in XXXX, Amount {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Acct # Ending in XXXX, Amount {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Ref # XXXX, Amount {$770.00} I didn't know this was even on my credit report until I was trying to get a house loan and was denied do to theses marks on my credit report. I feel I have given them proper time to give me the items I have requested and they have failed to compile with my request of them in 30 days from my letters I have attached to each of them.
03/19/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 44130	Web
On XXXX/XXXX/15 we began to receive phone calls at our home from XXXX XXXX of Debt Recovery Solutions calling for a " XXXX '' XXXX. A message was left on our answering machine stating that if we are not that person/do not know that person to visit their website at : www.drssol.com or call XXXX to remove our number. We could not locate the website, so my husband called the XXXX # and left our phone number asking it be removed. On XXXX/XXXX/15 at XXXX & XXXX XXXX. we received the same phone call/message. Again, my husband called the XXXX # and left our phone number asking it to be removed and the calls to stop. On XXXX/XXXX/15 at XXXX XXXX. we again received another phone call, same message and once again my husband called the XXXX # and left a message to remove our phone number and to stop calling. There is no " XXXX '' XXXX at our home phone number and we do not know a person by that name. This is not a live person placing the call from Debt Recovery Solutions, but a recorded message, saying they are debt collectors and attempting to collect a debt.
11/21/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 21133	Web
Debt Recovery put a debt on my credit without written notification to me a few weeks ago. i contacted you guys and demand proof of debt from them which they mailed to me and I received today. Firstly, their proof of debt is in the form of a statement from the Physicians. They have not provided me anything with a signature. Any proof that I was at this place they claim I owe. Secondly, the statement they sent to me states {$0.00} balance. Thirdly, the address on the statement does not match my address or anywhere I lived. I will be looking for an attorney to represent m against Debt Recovery Solutions and I will contact MD Attorney General 's office. Cause if this was the case, I can print out 100 statements to 100 people and claim they owe me money as well. Bad enough the amount owed says {$0.00}. I will attach a copy for your perusal.Then I called Debt Recovery and the rep had the nerve to ask e for my SSN and when I declined sh said she can not speak on account. Why would i be XXXX enough to give apparent dubious characters my social security number?
07/21/2016	Yes	Credit reporting	Incorrect information on credit report Reinserted previously deleted info	NY 11413	Web
I hired XXXX back in XX/XX/XXXX to assist me with removing items that did n't belong on my credit report due to the age of the debt or incorrect information. I had an auto that repossessed in XX/XX/XXXX and it was auctioned and sold. The creditor added on extra fees and I had disputed with them regarding the balance owed. This still item still remained on my credit report during my dispute with them. In XX/XX/XXXX, with the assistance of XXXX, this item was removed off my credit report It has now re-appeared showing a totally different company as the original creditor and the open date for the account is showing XX/XX/XXXX which is incorrect. I fell that they are trying to re-start and old debt and to my understanding, that is illegal to do. I did reach out to the collection agency today, XX/XX/XXXX and when I advised this information that they are reporting is incorrect, I was placed back into the call rotation. I 'm hoping you can help me. This is showing up on XXXX, but I 'm not sure if it 's showing up on the other XXXX credit reporting a agencies.
01/28/2023	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 91607	Web
In XX/XX/XXXX I received a bank statement from XXXX XXXX XXXX. I contacted the bank to find out what this was since I did not have a XXXX XXXX XXXX account. They told me there was a total of 2 accounts open under my name.. I did a fraud claim with XXXX XXXX XXXX and ordered my credit report I found a loan that was from a pay day loan type company that was used to deposit the funds to XXXX XXXXXXXX XXXX. I filed a identity theft claim with XXXX and had my credit locked. XXXX XXXX XXXXXXXX sent me a letter saying that they determined that I did not open these accounts and I have the letter which I have submitted along with the police report to the credit bureaus .... Now on XX/XX/XXXX I see another loan that was taken out under my name fraudulently with the company XXXX XXXX for {$2600.00}. Who has now sold the delinquent account to another collection agency, XXXX XXXXXXXX XXXX/Drs Debt recovery solutions , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX and now there is a balance of {$4400.00}. it has gone to collections with all three credit bureaus.
07/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	PA 19335	Web
A 5 year old account ( with XXXX, which was removed from my credit file a year ago ) is now being reported on my credit report by Debt Recovery Solutions. I 've never received any information from this CA relating to this debt. The information they are reporting is inaccurate ( dates ). They are reporting the account was opened in XXXX. The original XXXX account was closed in XXXX XXXX and a refund for final payment over-payment was received from the original creditor ( XXXX ), yet 6 months later, XXXX began reporting on my credit reports that I owed them {$260.00}. I refused to pay it, as initially stated, the account was closed with a slight over-payment and I was refunded. Sometime in XXXX the original reporting was removed from my credit file. XXXX XXXX, XXXX Debt Recovery Solutions appears on my credit file as a collection account on behalf of XXXX. DEBT RECOVERY SOLUTIONS XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Did not contact me regarding this debt, including offering me the right to dispute the debt before reporting to the credit agency ( ies ).
08/12/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33033	Web
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of id. theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
05/17/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77339	Web
I recently had my credit report pulled and can see that there is a medical debt collection on my report. I was not aware that this was on my report, as I did not receive a letter or a bill for this amount. I called the creditor and spoke to XXXX and advised her that I had not ever received a bill for this but was willing to take care of it if it would be removed from my credit report. She advised me that she would settle for 50 % less of the balanced owed, but if I settled, my credit report would show " settled in full '' with a balance of what was owed, but if I paid the full amount owed, my credit report would show " paid in full '' with XXXX balance. She took my credit card information and when I asked for a " Letter of Deletion '' she then advised that she could only report that it had been paid, and that it would not be deleted. I do know that it is a violation of the FTC guidelines to tell a customer that they can settle their account but that it will still say " settled in full '' and will still include a remaining balance.
11/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 30067	Web
I received correspondence from this company dated XX/XX/XXXX. I spoke with a representative when I received phone calls. I explained to the representative that this debt was paid with another company that had validated the debt. I asked for validation of the debt. However, no information was received. I mailed a letter to the company on XX/XX/XXXX disputing the debt and also requested validation of the debt. I received no information. I resent the letter on XX/XX/XXXX. No response was received from the company. I called on XX/XX/XXXX. A representative told me that she would get her manager to investigate. I still received no follow-up. I called again on XX/XX/XXXX. At this time, I requested to speak to a manager but was told that no one was available. I then asked for a manager to give me a call back. I received no phone call. I now see that this account was reported to XXXX on XX/XX/XXXX with a balance of {$660.00}. I am reporting Debt Recovery Systems for noncompliance and requesting that this debt be removed from my credit reports with XXXX
03/13/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Was approved for a loan, but didn't receive the money	VA XXXXX	Web
Debt Recovery Solutions which is a collection agency for Loan by Phone has placed a collection of {$210.00} on my credit report for a so called loan by phone back in XX/XX/XXXX. This company came out of no where with this loan. When I spoke to them they said it was in XX/XX/XXXX or XXXX. XXXX!! I never had a loan from these people nor did I receive anything. I have a my bank statements for years now that shows where any loan monies I receive or received been deposited and that amount and company is no where on there. I'm XXXX because I have disputed with XXXX XXXX an nothing was done it is not accurate. I have no unpaid loans from this company. I may have applied but never went through it. I have statements to prove it. Its destroying my credit score and these people need to stop. Funny thing is my kids father received a call from same people saying he had a loan by phone and a balance he never touched a loan in his life. Please help I don't want to be robbed for monies I never received. They can't even provide documentation and/or receipts.
02/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 94303	Web
I received two letters two months ago in XX/XX/2022. The name on the letters was XXXX XXXX which I never saw or used before so I didn't open the letters. A few weeks ago I noticed the my credit score dropped and there was debt collection from DRS - Debt Recover Solutions. Then I opened the letters found there were debt of {$1100.00} and {$330.00} but I never saw or recognized the service provide nor any information in the letters. The weird thing is they know my address and social number so they put on my credit report. I called DRS and they verified the date of birth is wrong. They said someone steal my personal information including the social number so they put the debt on me. This is fraud. I never use the name XXXX XXXX. I never received medical service by XXXX XXXX XXXX. I look up the service group. It is in NJ. I have lived in CA for more than 12 years. This is ridiculous. Please help to investigate this. I don't know how to prevent similar things happen in the future since they already got my identity information.
03/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 23113	Web
I recently received the attached letter from Debt Recovery Solutions , LLC. While it does not refer to the date of service or other specifics of the original debt, I believe it relates to an emergency room visit by my then-XXXX year old daughter in XXXX. I contested the amount of the physician charge from the beginning, and responded repeatedly to the original debt collection agency but no resolution was reached. The last I heard from anyone was late XXXX, until this letter dated XX/XX/XXXX. I never paid this medical bill, openly contesting it from the beginning. However it is now more than 5 years past the date of service ( XX/XX/XXXX ) which is beyond the statute of limitations for contracts in the state of Virginia where this ER visit took place and where I still reside. This debt collection company should know it is trying to collect an unenforceable debt. It is also asking for more than double the amount charged by the physician group, from {$330.00} to {$790.00}. That is a remarkable interest rate and probably usurious.
06/27/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 14850	Web
A credit line of {$300.00}, XXXX credit card was opened in my name on XX/XX/XXXX. However, amount owed is {$610.00}. A company Debt Recovery Solutions , LLC sent me a copy of the statement XX/XX/XXXX. I have tried repeatedly to contact them via phone and email to resolve this. Wanted to know what where the spending habits to see if maybe someone close to me did this. I was unsuccessful. No one ever answers or returns phone calls. Tried reaching XXXX as well, by phone and internet, they won't do anything for me. Opened an account with identitytheft.gov to see if I could resolve this. I was instructed through identitytheft.gov to send letters which I have to both XXXX XXXX XXXX and Debt Recovery Solutions , LLC .Letters were sent out XX/XX/XXXX. I received letter from debt collection XX/XX/XXXX. I am just learning about this. I'm curious as to why this collections company is now reaching out to me four years later. I shouldn't have to pay for credit I never used. My credit is not the best but I am very aware of what I truly owe.
03/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60618	Web
I had two medical bills from an incident that happened a few years ago. The hospital in question told me I would not be charged at all, then, instead of sending me a bill, sent two different amounts directly to collections. I disputed them and they were removed from my credit report, then a different debt collection agency, Debt Recovery Solutions , LLC, somehow got a hold of these amounts, {$890.00} and {$64.00}, respectively, and they appeared back on my credit report. I disputed them again and they were again removed after finding to not be amounts I actually owed, and they once again reappeared on my credit report even though they'd been disputed and removed twice. I've tried disputing them again, which just prompted the collection agency to send me a letter telling me I owed them, and they remain on my credit report. They call me constantly all day and night, and a few times earlier or later than legally allowed. I do not owe this money and want them removed from my report, as well as this company to stop calling me.
07/17/2015	Yes	Credit reporting	Incorrect information on credit report Reinserted previously deleted info	IN 46205	Web
In 2013, I terminated service with XXXX DSL as I was moving out of State. I returned the modem to a XXXX store and received a receipt showing the equipment had been returned. XXXX erroneously claimed I failed to return the equipment, charged me {$94.00}, then sent it to a collection agency. Everything has been resolved with XXXX but their collection agency XXXX Debt Recovery Solutions XXXX keeps reporting it on my credit. Twice in the past two years I have submitted the receipt and supporting documents to the credit bureaus and they removed the derogatory remark from my credit report each time, then a few months later Debt Recovery Solutions adds it back to my report and my credit score drops. XXXX no longer allows the collection account on my report but XXXX keeps allowing it to be reported again. I would like to block Debt Recovery Solutions from reporting this erroneous collection account on my credit report. I would also like for them to be reprimanded for reporting false information to the credit bureaus. Thank you.
03/02/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 92392	Web	Older American, Servicemember
I am elderly vet and XXXX XXXX XXXX. I am confined to a XXXX. Debt Recovery Solutions ( DRS ) took advantage of my situation. DRS contacted me and told me and my XXXX and told us that I had to pay a XXXX bill. I told them it was about 15 years old. They sent me a letter that said they had purchased an account from XXXX. They didn't let me know that it was WAY beyond the statute of limitations. The last activity on this was in XX/XX/XXXX I believe. I have learned that it should not even be on my credit report. They have reported it as opening in XX/XX/XXXX but date of last activity XX/XX/XXXX. They also just started reporting this account in XX/XX/XXXX right when they got a trigger notification that I was looking to buy a home. When I disputed this account verbally ( by telling them it was 15 years old ) they told me " too bad. You have to pay it to get it off your credit ''. I felt I had no other choice. DRS also never allowed me to validate the debt before reporting it which I have learned is a violation of the FDCPA.
05/22/2023	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 793XX	Web
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b2. The XXXXebt Recovery Solutions Company also has NO permission to report ANYTHING using my info. pursuant to 15USC 1681 4. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Debt Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX You are required to do what I am asking and block these transactions from being reported to m consumer report within four days from the date of the receipt of this notice. I look forward to your response. Thank you.
08/09/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32216	Web
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
09/12/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TN 372XX	Web
On XX/XX/2014 I went into the Emergency room. I was uninsured and when I received my bill it was {$420.00} and the other amount was written off as " Contract Adjustment Below is the definition of Contract Adjustment. A Contractual Adjustment is a part of a patients bill that a doctor or hospital must write-off ( not charge for ) because of billing agreements with the insurance company. Adjustments, or write-offs, are the dollars that are adjusted off a patient account for any reason. The Contractual Adjustment is the most common type of adjustment. Now thud company Debt Recovery Solutions , LLC is trying to collect on the Contract Adjustment. This is the second company that has tried this they even dinged my credit but XXXX XXXX took my side on the dispute and removed it from my credit report. The company has even sent me proof that there is a XXXX Balance but claim they want they want me to pay the Contractual Adjustment amount. I have sent then proof from the Hospital but they refuse to stop collection.
04/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CA 92399	Web
During an inquiry about buying a home the potential lender informed me that my FICO scores were not high enough because Debt Recovery Solutions recently opened a new collection dated XX/XX/XXXX for XXXX. I have NEVER received a single notification of this debt so I called them and asked them what it was for. I was informed that it was for XXXX during the periods of XX/XX/XXXX to XX/XX/XXXX. I asked him how to get rid of it and she started screaming at me that the only way to get rid of it was to pay it or they would sue me. This is the second time they are reporting it with different dates to different bureaus. They reported it inaccurately to XXXX as originating in XX/XX/XXXX and last activity was in XX/XX/XXXX. For that account and the new one they have not allowed me to validate the debt to inform that that it is way past the Statute of Limitations and that I did not agree with XXXX 10 years ago. They have re-aged the account to make it look like it just happened in the last 3 months and it dropped my scores.
12/25/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30047	Web
In recently contacted DRS Debt Recovery Solutions LLC ( XXXX ) Address : XXXX XXXX XXXX # XXXX, XXXX, NY XXXX regarding a debt that was placed for collection on my account. I spoke to a representative due to the fact that I have never received any notifications regarding this account and I have no idea where it came from. The representative stated they would not be able to go into detail regarding the origination of this account. they then went on to verify my information, upon doing so they noticed the address they had on file was incorrect. The representative stated that they would remove the collection from my account in order to give me time to respond to the debt and the information they would send. he also stated that he would mark the account in their system as disputed. The account was never removed and I never received the any information regarding this debt. i disputed this account through XXXX and they did not remove it this is a direct violation of my rights under the fair credit reporting act.
01/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	DE 19802	Web
Hello, I am so upset because I've done the hard work to get my credit score up and to utilize below 30 % of any of my cards, which is all o but one is XXXX balance. I am very proud of myself! I received a letter about debt from DRS ( I had never heard of them ) opened up the letter, and it stated I had a debt of over {$1800.00}, and if I did not respond by XX/XX/29, then it's assumed it was my debt. I called them and had to call back because I did not have the letter with me, but once I did, they had all of my information, old address, SS #, and my cell # from a check and go, which I have never sought any loan or money from ever! Instead of them waiting to see if it was me, they contacted all ( 3 ) credit bureaus, and I submitted disputes for two of them. today, XXXX stated that this would remain on my file due to DRS having all my information, which this is not mine... I also had an entire criminal investigation. done by my new landlord because I had XXXX XXXX until my name and it was clear.
11/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98208	Web
XXXX XXXX issued a fraudulent loan through XXXX XXXX XXXX on XXXX in my name for the amount of {$1000.00} without my permission. I learned about this from a debt collector - Debt Recovery Solutions , LLC on XX/XX/XXXX of this year. The debt collector claims I owe {$1700.00} and has reported this fraudulent account to the credit agencies. XXXX XXXX XXXX shows as the 'current creditor ', XXXX XXXX XXXX shows as the 'original creditor '. I have NEVER done business with XXXX. I have never done business with XXXX XXXX XXXX or XXXX XXXX, XXXX. I did NOT authorize any such loan and it is clear a crime has been committed by using my information fraudulently. I filed a FTC fraud claim against XXXX on XXXX. I mailed Debt Recovery Solutions a letter requesting a debt verification investigation on XXXX. I filed a police report with the XXXX County Sheriffs Office on XXXX, case number XXXX. I am mailing have mailed the FTC Identity Theft Report and dispute letters to XXXX XXXX, DRS and XXXX XXXX on XXXX.
02/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85712	Web
I noticed 2 new accounts on my credit report that I didn't recognize for a company called Debt Recovery Solutions LLC. I contacted the company and asked them to please explain how these accounts were opened in my name and to please send me the necessary documents so that I may verify the debt. The man I spoke with said the account had my name, address, and SSN, but the birth date was not mine. I know for a fact that I did not open any accounts recently and that these accounts are not mine. Yhe man said he would send me the documents right away and they never came. I disputed the accounts with XXXX and there is an active investigation. I checked my report again yesterday and found the accounts still under investigation. I also found 7 additional accounts were opened on XX/XX/2018 with the same company : Debt Recovery Solutions LLC. A total of 9 fraudulent accounts were opened without my knowledge or consent and the company knows this was not me but they are doing nothing to stop the activity.
07/07/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 77073	Web
On XX/XX/2021, I received a notification via my credit monitoring app, myFICO, in regards to an account owed to XXXX XXXX XXXX being collected by Debt Recovery Solutions. It appears the account was placed with them on XX/XX/2021. I have not received the initial dunning letter required by FDCPA notifying me of my rights to dispute. I have not received any phone calls regarding this debt either. These are unfair, deceptive and abusive practice as I was not given the opportunity to resolve the issue in a timely matter. I do not recall this account and have no knowledge of what is owed. As far as I can tell is that this is fraud since I have not done business with XXXX XXXX XXXX in years and everything was paid for. I do not have any account number and when I tried reaching out to this company by phone I was directed to their messaging system as no one was answering. I am asking that this trademark be removed from my credit or I will have to pursue other avenues in getting this issue resolved.
06/10/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NY 117XX	Web
My identity was mistaken by a debt collector named Debt Recovery Solutions , LLC ( " DRS '' ) of XXXX, XXXX, XXXX XXXX. DRS claimed I owed a debt for medical services that in fact were not related to me and that I did not incur. I disputed their claim in writing and requested that they provide supporting documentation verifying the accuracy of the debt collection. Subsequently, the supporting documentation they provided reflected information of an individual with a similar name as mine, but with a different date of birth and an address at which I have never resided. Thus confirming that DRS 's attempt to collect this debt from me is erroneous and baseless. Nevertheless, DRS has negatively impacted my credit report, by recklessly reporting this debt collection to my credit report. I have disputed this debt collection and erroneous credit reporting to both XXXX and DRS and have provided DRS with documentation that contradicts and disproves their claim of my obligation to this debt.
07/30/2015	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	CA 945XX	Web
On XXXX XXXX, 2015 a collection company by the name of " Debt Recovery Solutions , LLC '' put derogatory and inaccurate information on my credit report. It shows that the original creditor was XXXX and the client was " XXXX XXXX, XXXX ''. It shows the amount was for {$310.00}. On the credit report it shows that the account was open on XXXX 2015. I have not opened any accounts with " XXXX '' in XXXX 2015. I was not properly notified per the Fair Credit Reporting Act, so I was unable to verify the validity or dispute the debt. This is in clear violation of the Fair Credit Reporting Act. The only notification I received was XXXX letter from Debt Recovery Solutions dated XXXX XXXX, 2015 requesting to pay {$230.00} by XXXX/XXXX/15 which is a settlement letter. This is another violation since the creditor put the inaccurate/derogatory information on my credit report and reported it to the credit bureaus at the same time. This action is a violation of my consumer rights and is illegal.
02/12/2023	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 95348	Web
A letter was mailed to me XX/XX/XXXX from Debt recovery solutions llc. ( I would have received it a few days later. I wrote a debt validation request on XX/XX/XXXX and mailed it which was within my 30 day time frame asking them to validate the debt. I received absolutely nothing to validate the date from them. I received a notification that a collection was added to my report. I suffered tremendously through covid as many did. My husband passed away from covid and I went into debt. I have worked very hard to rebuild and am a single mom who scrapes to make ends meet but I have not missed any payments on my credit. I asked for validation for that debt and they did not respond. It is unfair they neglect their responsibility but pursue hurting someones credit without following the law. I had taken a picture of what I wrote and the addressed envelope before I mailed it out. Please help me. I did attach a picture of the letter I sent with it dated for the validation to the company.
12/08/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90029	Web
Hello, after finding the company DRS Solutions on my credit report for a Pay By Phone charge. I have never heard of this company and can find no information about them so I sent a letter via mail on XX/XX/20 and disputed it with the credit bureau. I never heard back from DRS Solutions, but they claimed that the debt was valid to the credit bureau. I then contacted them via phone and was told to email their Vice President for verification. I emailed him on XX/XX/XXXX with a copy of my original letter and have been emailing him once a week since then. He responded by asking for the account number although it was on the original letter that was attached and not in the emails body. I responded with the account number and the ask that they provided all the requested information to verify the debt. He did not respond. They refuse to supply me with verification yet will not take the charge off of my credit report. I dont think this is fair and would like something done. Please help.
10/16/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 32305	Web	Servicemember
On XXXX XXXX I received notification from XXXX ( via their mobile app ) that a collection account was placed on my credit report in the amount of {$580.00}. The account allegedly derived from a payday loan with XXXX XXXX. I have previously been in contact with XXXX XXXX via mail regarding this account. I have explained t oXXXX XXXX on several occasions that this account was not mine and I had no knowledge or responsibility for this account. The account was placed with XXXX XXXX XXXX and was removed from my credit report as the result of a dispute. Debt Recovery Solutions has again placed this account on my credit report and have done so without any prior notice to me of any kind. I have never heard of Debt Recovery Solutions until I received notice of their placement of a collection account on my credit file. I was not given the opportunity to dispute this prior to it being placed on my credit report and that is a blatant violation of the Fair Credit Reporting Act.
04/15/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 322XX	Web
Debt recovery solutions is the debt collector, the original owner of the debt is XXXX fire and rescue. The date of service is in XXXX of XXXX, I had XXXX which became available in XXXX. I called and tried to explain to them about my insurance. The company gave me the run around I have disputed this claim five times to no satisfaction. When I did speak to someone they gave me XXXX number to do their footwork. XXXX said this company did not take out a claim towards my insurance for XXXX $ in XXXX of XXXX which they should have I presented the ambulance workers my insurance card etc so Im not understanding why they did not charge my insurance I tried to mediate with them to no avail and now they are after me about it I have had problems with the ambulance company. I called XXXX fire and rescue billing department last time it occurred but I wasnt aware they didnt send it thru until it showed up on my credit report last year and the date of service was in XX/XX/XXXX XXXX
01/03/2018	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 Was not notified of investigation status or results	OH 45247	Web
Last summer sometime aroundXX/XX/XXXX I began monitoring my credit reort and disputing accounts that were n't mine due to my identity being compromised/stolen and having no knowledge of the accounts on my report. I disputed the accounts with XXXX and the disputed accounts were XXXX XXXX XXXX for {$260.00} and {$200.00}. Debt Recovery Solutions for double charges {$500.00}, {$500.00}, {$340.00}, {$340.00}, {$180.00}, {$180.00}. XXXX XXXX XXXX for {$140.00}, {$130.00}, {$15.00}. XXXX XXXX for {$65.00}, {$65.00}. XXXX XXXX {$68.00}, {$68.00}. It took me a while to notice due to just having a baby XXXX XXXX and not checking my report for a while but inXX/XX/XXXX I noticed these accounts were reinserted onto my credit reports without any documentation supporting accuracy for re-inserting the negative credit items or any notifications from the creditors nor the bereau but I have letters published on the dispute website from XXXX that these accounts were deleted.
10/22/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 322XX	Web	Servicemember
XXXX XXXX XXXX Debt recovery solutions appeared on all three of my credit reports. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX appeared. I have been trying to figure out for the life of me what these debts are. It looks like my original creditor for XXXX is XXXX XXXXXXXX XXXX But after having my loan specialist pull it up it states medical. Which is why I made a payment. In XXXX but after doing extra research I believe these two companies are in pursuit of the same debt. Very, very criminal. Back in XXXX I had a loan with XXXXXXXX XXXX. And it was for about XXXX. Both of these collections are XXXX and one for XXXX. I believe they are debt parking and trying to rob me.. XXXX a medical collection appear as XXXX XXXX XXXX I think it would state the hospital. When looking at my allotment in for XXXX the bank was XXXX XXXX and XXXX XXXX XXXX Neither company has validated the debt and they are still parked on my credit report. Violating FDCPA section 1692 e ( 8 ).
06/16/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32221	Web	Servicemember
It seems that there are XXXX separate collection accounts from the same agency for an XXXX XXXX visit when my daughter XXXX XXXX XXXX on XXXX XXXX , XXXX . I had never received notification of the debt. Only found out when I ran my own credit before shopping for a new car and a new house for my family. XXXX XXXX XXXX never submitted the claim to our insurance company so, of course, it was not paid. I contacted them to have them submit these charges to XXXX XXXX XXXX XXXX XXXX FL. They said they could not do that and to contact Debt Recovery Solutions. Debt Recovery Solutions is either unable or unwilling to submit these charges to the insurance company as they should have been 3 1/2 years ago. This should NOT be showing up on my credit. As a divorced mother of XXXX , this is impacting our life greatly as I can not be approved for a mortgage with XXXX income AND this hanging out there. Please help me and my family!
11/30/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 20772	Web
I monitor my credit every month, and noticed a Debt added on to my credit that does not belong to me. Collection Agency : Debt Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Date on my collection Report : XXXX XXXX, XXXX Amount of debt : {$600.00} Date of Service :?? Provider of Service : XXXX XXXX Hospital I asked them to give me proof that I owe this debt, a itemized bill, my signature on it, something from the hospital, they never sent me anything. I sent them a HIPAA violation letter, they ignored it and reposted it to my credit bureaus, XXXX and XXXX as valid. I have written letters to each credit bureau stating its not mine, and they updated saying verified by creditor, yet no one has showed me anything, as this was not me.I was even out of the country when this bill supposedly took place!!! this debt is not valid as i have NEVER BEEN TO THIS HOSPITAL EVER. I called Debt recovery, they were very rude to me on the phone.
05/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 10465	Web
This account is on my credit report. I spoke with the original creditor XXXX and they indicate that this account does not exist. i spoke with debt recovery solutions on XXXX and XXXX and XXXX representatives were rude over the phone and only cared if i was going to pay or not. all i tried to do was ask for help since the original creditor does n't have any info on the debt then how am i supposed to get this resolved. I spoke with XXXX XXXX who claimed to be the " top manager '' and he also had a bad attitude and did not maintain professionalism. all they offered was to send me a bill however that would not help in this situation.I offered to conference the call with the original creditor however the manager refused. he acknowledged that the original creditor would not have any information on a sold account but would not explain why the representative the previous day told me to call them. this company is giving me the run around and it is unappreciated.
07/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 90604	Web
I have received XXXX notices from this company called Debt Recovery SolutionsLLC. I was informed through the letter that they had bought my account with a bill from XXXX with a bill of some amount of money. i didnt take action. They sent me another letter later that is shown through the attachment. They asked me for about {$340.00}. I called them and before they asked me to say my last XXXX digits of ssn, they said my last XXXX digits and asked me if it was correct. After i asked a few questions i hung up and started to have suspicion because of few reasons. 1. I was a XXXX customer but right now when i received the letter i am a XXXX customer and i had payed off the rest of the bill. 2. It was weird they knew my last XXXX digits of ssn even before i said it. 3. I had businees with XXXX NOT XXXX. I didnt ever owe anything to that company. 4. When i called them and told them that i would report them they threatened me about my credit score.
09/03/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 331XX	Web
i have disputed this medical collection before and it was removed, however now XXXX months later it back on my credit as a collection in all three-credit bureau. I don't understand how or who this collection company DRS why do they have my personal information. they have called family relatives asking if i was there and they would not provide any information. FURTHERMOR, IN ACCORDANCE WITH THE FAIR CREDIT ACT PUBLIC LAW 91-506, TITLE VI SECTION 611, SUBSECTION A-D, I DEMAND THAT THE COLLECTION COMPANY PROVIDE ACTUAL PROOF THE INFORMATION WAS VERIFIED, NOT A COMPUTER-GENERATED CONFIRMATION. 1 -- THE NAMES AND BUSINESS ADRESSES OF EACH INDIVISUAL WITH WHOM YOU VERIFIED THE INFORMATION WITH ABOVE, SO THAT I MAY FOLLOW UP. 2 -- DATE YOU CONTACTED THE INDIVISUAL FURNISHER 'S INFORMATION 3 -- THE METHOD OF COMUNICATION THEY USED TO VERIFY THE INFORMATION I WOULD ALSO LIKE TO KNOW IF THE FURNITURE PROVIDEDED YOU WITH MMY SSN, ADDRESS OR DATE OF BIRTH
10/24/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23235	Web
I requested in a previous complaint under # XXXX that the current creditor under the name Debt Recovery Solutions LLC. provide me with verification of this debt that they are attempting to claim and are reporting to the credit bureaus, in the amount of {$780.00} account no. XXXX. In their response which is enclosed, the company only attached a letter from another creditor under the name XXXX XXXX XXXX. With no details other than my name and address and a date of service of XX/XX/13. I was not physically present in the United States on that date. Furthermore I've been notified by my bank that my SSN and ID information has been compromised on the dark web by a data breach and I'm at risk of identity theft. Please provide evidence and verification of this debt directly from the Original Creditor including a copy of the original bill or statement, or terminate actions to collect this debt and request that the credit bureaus delete your tradeline.
05/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 656XX	Web
Dear Consumer Financial Protection Bureau, I am lodging a complaint against Debt Recovery Solutions for fraudulent debt collection attempts and unauthorized credit inquiries. Debt Recovery Solutions is attempting to collect a debt I do not owe, which constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits debt collectors from using any false, deceptive, or misleading representation or means to collect a debt. In addition, the company has performed unauthorized credit inquiries, impacting my credit score without my consent, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681b ( f ). I request the CFPB investigate these practices and enforce my rights under the FDCPA and the FCRA. The company should cease all communication, remove related negative information from my credit report, and confirm these actions in writing. Thank you for your attention to this serious matter.
06/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70810	Web
Debt Recovery Solutions is reporting a delinquent account ( account # XXXX ) on my major credit bureaus that I owe them/this company {$350.00}. I do not know what this company is. I have never conducted any business with Debt Recovery Solutions. On XX/XX/2023, I mailed and faxed written notification requesting proof of contract to substantiate Debt Recovery Solutions claim to XXXX, XXXX XXXX XXXX that I am indeed the correct party they are seeking to collect this debt, yet my legal demand has gone unanswered. Debt Recovery Solutions has yet to provide a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.
08/20/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89145	Web
I was in the process of buying a home but when my loan officer checked my credit they told me I had a collection on my report. I said collection? You got ta be kidding me! Then he told me it was some kind of a medical bill. So I looked up my credit report and saw that it was from some company called DRS or XXXX XXXX and I'm telling you that I have never had any services from these people so I disputed it online. I got a response from DRS with 3 bills, all of which said that I did not owe them anything so why are they on my credit report? I don't even recognize the doctor 's name or the date of services listed as I never had these services and I think either someone used my identity to get these medical services or they incorrectly billed me for someone else 's treatment. This account has lowered my score almost 100 points and is preventing me from buying a house. I need it off my credit ASAP or I am going to get a lawyer and sue these guys.
03/28/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	OR 97007	Web
This debt for {$240.00} just hit my credit report and i have NO IDEA what it is for! it mentions a loan business that i used once in XXXX, Oregon about 4 years ago!!! if i owed them some money ( which i do not! ) i would be happy to pay it off ( If they called me! ). I received 0 phone calls, 0 emails, and 0 letters to attempt to collect any debt from myself! I have called the loan place i referred to " XXXX XXXX XXXX XXXX '' and after a search of all my data including SSN they say i do not owe anything. This says the original bill is from " XXXX XXXX XXXX '' which i have never heard of and can not find on XXXX. It says account opened on XX/XX/2018 AGAIN! i have no idea what this is! i am reporting FRAUD unless someone calls me and explains! they will not answer the phone number that is on the credit report! REMOVE FROM MY REPORT FOR FRAUD AS OF NOW! call me XXXX and prove the debt is mine and i will pay! if not i will fight this legally!
09/05/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 752XX	Web
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 account in question in the amount of {$300.00} that you have been reporting negatively on my credit report without proper notice. You do not have permission to contact me by physical mail, phone, nor e-mail. All documentation may only be uploaded through this portal. If you can not provide adequate documentation showing that I have ever done business with Debt Recovery Solutions with my signature on it than you must remove this negative tradeline from my credit report at once. Debt Recovery Solutions did not follow through with the proper notification before placing this debt on my credit file which is against the law. If this tradeline is not removed Debt Recovery Solutions is subject to have legal action taken against them.
07/24/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34769	Web
I was checking my credit report and I noticed this company that Recovery Solution on my credit report I 've never done any type of business whatsoever with this com pany or who I owed it to a few years back my identity was stolen I tried communicating with the company that Recovery Solution and they did not want to hear what I had to say they refuse and sometimes hung up on me I did dispu te it with my credit bureau and they are denying the fact that I have rights in the consumer act. And it 's not just one collection agency with debt recovery they have at least XXXX on there which is not mine relat ed to that Recovery Solution or more and they are not mine. Some of these items are placed on there XXXX times of the same amount and I have called the company that they are reporting it to and they have wrong addresses which I disputed with my credit agency. Please have them remove all that recovery collections off my report immediately.
06/11/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 77065	Web
I 've already filed a complaint with cfpb against debt recovery ... Debt recovery started that they could delete the accounts they had on file from all XXXX credit bureaus. Debt recovery fail to do so.. Debt recovery has deleted the accounts and added it back to the credit bureaus.. Debt recovery never deleted the account from XXXX as XXXX stated they never received anything from debt recovery. On XXXX XXXX XXXX Debt recovery also added acct # XXXX As I stated in the first complaint Debt recovery has NO VALIDATION I never gave them Permission to my personal information. I mailed Debt recovery solution a letter asking them to validate the accounts. Debt recovery have deleted the account from XXXX , but not from XXXX . As cfpb can see that Debt recovery/ Debt recovery solutions re sponse in the first complaint that they will closed and delete the accounts from all XXXX credit bureaus the accounts
08/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IA 507XX	Web
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
08/09/2022	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	MD 208XX	Web	Older American
I discovered a collection account on my credit report from Debt Recover Solutions for a XXXXXXXX XXXX loan in the amount of {$1300.00}. Ito Debt Recover Solutions for all information related ot his debt which i dispute have received no response. By way of background we filed a complaint agains XXXX XXXX ( a tribe payday lender ) for for unfair lending practices with the United States Consumer Finance Protection Board ) back in XXXX after paying back a payday loan in full with interest and receiving another demand by XXXX for another 100 % payment. After receiving the complaint notice from the CFPB XXXX reached out to me and indicated they would be dropping the the additional Interest request and they would consider the matter dropped and account paid in full if we would mark the complaint at the CFPB as satsified -which we did. Thus is was surprising to receive the collection notice in defiance of our agreement five years later.
07/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CA 92543	Web
I have lived at my home for 13 years, my address on my credit report is correct. Dynamic Recovery Solutions added a {$63.00} collection account to my credit report in 2015. They have never attempted to contact me, but only put this debt on my credit report. I only learned of it because I pay for a XXXX score each month. On XXXX XXXX, 2015 I sent a letter to Dynamic Recovery Solutions requesting verification of this debt. To date, they have yet to contact me. Immediately after my original debt verification letter was sent to their company, this debt was removed from my credit report. Now, 9 months later, this debt has again been put back onto my XXXX credit report ( I do not know yet if the other credit bureau 's were contacted. ) I still have yet to receive any type of correspondence from Dynamic Recovery Solutions and have most definitely have not received verification that this debt is mine and that the amount due is correct.
08/20/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 321XX	Web
On XX/XX/2021 apparently when this occurred in XXXX, FL where i am not a resident of charged my credit report with a collection to the following company DEBT RECOVERY SOLUTIONS / XXXX XXXX XXXX XXXX XXXX / XXXX, NY XXXX. This in FACT was a ambulance ride for my XXXX y/o father being taken to a XXXX XXXX. I, in FACT, is not and never will be a Veteran in this country because I cant even establish credit on my name because this is the seconded time this happened. I was at work as scheduled on XX/XX/2021, if payroll is not literal fact then what is? I am sure there is a significant level of fraud in XXXX XXXX FIRE AND RESCUE. Now XXXX is saying my dispute is baseless because this information is correct, but when the ambulance went to pick my father up, they had my information and to my brothers knowledge did not correct it when told. Please help me so I don't have to resort to a new normal this Country expects of the discouraged.
07/29/2015	Yes	Debt collection Payday loan	False statements or representation Indicated committed crime not paying	UT XXXXX	Web
I received a telephone call from Debt Recovery Solutions on XX/XX/XXXX stating to me that I owe for a check loan and asked personal information I told them I would not give any information until they sent me validation in the mail. XX/XX/XXXX I received a letter from the company stating that they have validated the account with an application that is over XXXX years old, copy of drivers license and bank card that is over XXXX years old and a copy of a check that was written to me however did not have a date on the check. I called the company to dispute the information they sent to me stating that this was over the statue of limitations to collect. The company hung up on me XXXX times was abusive and harassing, threatened to sue me, and report to my credit and the agent claimed I am lying the debt was received in XX/XX/XXXX however they have nothing showing that information. nothing has been resolved on my dispute.
07/01/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA XXXXX	Web
On XX/XX/2020, I attempted to call Debt Recovery Solutions and verify a debt that this company placed on all three of the credit reports ( XXXX, XXXX, and XXXX. ) They placed this debt without making contact with me first. I called them and they tried to phish my social security number which was already absurd. They shouldn't have this kind of information as a debt collector. I finally settled with the last 4 of my SSN to prove my identity. They told me what my debt was and I told them I needed verification and they said ok they would send it through mail. It has been over 3 weeks with no sign of the verification. I know for a fact that they have no connection to the original creditor so there is no question that this is a not a legitimate debt. You can also see all the negative reviews the company receives and from my personal conversation with him. You can not just post bogus debts and expect people to pay you.
02/11/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33324	Web
On XX/XX/2020, I sent a debt validation letter via certified mail with return receipt to Debt Recovery Solutions at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX requesting Debt validation Tracking # XXXX shows it was received and signed for on XX/XX/XXXX, XXXX by a name I can not make out. Debt validation is my federal right granted under the Fair Debt Collection Practices Act XXXX FDCPA XXXX. Since I was NEVER contacted by the collection agency regarding any alleged debt, I reached out immediately after noticing the unfamiliar account on my credit report. It has now been well over the allowed 30 days and Debt recovery solutions has failed to provide any of the required documentation under FCRA to prove this alleged debt is mines however they continue to report the debt to the credit bureaus, which is a clear VIOLATION OF FCRA & my rights as a consumer are being violated by this company. THIS DEBT IS NOT MINES.
10/13/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	AZ 85326	Web
After seeing Debt Recovery Solutions on my credit report I contacted the original creditor because I thought this bill had been paid off already. The original creditor ran my name and social security number it showed a {$0.00} balance. I decided to inform Consumer Finance after completing a over the phone dispute XXXX because the bill is still being reported as open. The bill being reported as open leads me to believe XXXX XXXX XXXX is ignoring the cease and desist I sent them through their own website on XXXX/XXXX/2015 XXXX. I do n't work with collection agencies to settle debts. I had a bill go to collections a few years ago that I paid. The collection agency however never reported the bill as paid, instead they sold it to another collection agency. I showed the proof to the new agency which stopped it 's collection efforts and the original creditor who counted my bill as paid in full luckily for me.
06/25/2018	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	NJ XXXXX	Web	Servicemember
XXXX and Debt Recovery Solutions , LLC refuse to comply with the law and remove two incorrect medical entries from XXXX XXXX XXXX ( one for {$65.00}, one for {$1000.00} ) that have wrongly plagued my account for years. Overall, the CRAs are consistently complicit with re-inserting and re-aging damaging and incorrect information ( which in this case, was covered by charity care and never even should have been put on my credit report ). Clearly, this info. gets sold from junk debtor to junk debtor despite my disputes and I'm sick of having to fight this year after year after year because the CRAs aren't doing their job. When I contact them directly, I get the runaround. They make it extremely difficult to resolve disputes, especially when all they do is take the word of the collection agencies, in this case, Debt Recovery Solutions , LLC, which last reported this old debt on XX/XX/2018. This is illegal.
12/07/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CO 806XX	Web
On XX/XX/XXXX, I received a notice in the mail stating that Debt Recovery Solutions , LLC was attempting to collect on an account for XXXX XXXX XXXX that they claim was purchased by XXXX XXXX XXXX and is who they are attempting to obtain a payment on behalf of. I called the phone number provided and the first person I spoke to I told I needed to dispute the notice I had just received. She then proceeded to tell me that I needed to make a payment to prevent my credit from being effected. When I suggested that this was not correct, she disconnected the call. I called back immediately and spoke to a second person and told them again that I needed to dispute the notice I had just received and requested evidence that I owed anyone medical debt. I am in full belief that this medical account from XXXX had been resolved. She insisted they were going to email me proof rather than mail it as asked.
07/26/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NJ 088XX	Web
On XX/XX/2021, I received a letter from Debt Recovery Solutions , LLC regarding a debt they say I owe to them in the amount of {$880.00}. On XX/XX/2021, a letter of validation was sent to Debt Recovery Systems LLC giving the company 30 days to respond. The letter was received by their office on XX/XX/2021. On XX/XX/2021, I received a letter from DRS along with a bill from the hospital they say is the original debtor reflective of my personal information along with a description of what I was seen for. On XX/XX/2021, I sent another letter for debt validation ; requesting a response within 15 days of the date of said letter. the company was in receipt of said letter on XX/XX/2021. To date, no response has been received from DRS regarding validation of a debt they say I owe to them. Not only has the company not responded within a timely fashion but, they have also violated my rights under HIPPA.
07/09/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX XXXXX	Web
As of XX/XX/2018 I noticed a added debt on my XXXX credit report from Debt Recovery Solutions. This debt is in the amount of {$53.00}. The original creditor sold this debt to another company previous to Debt Recovery Solutions. This debt was paid and closed due to insurance has paid the original creditor. Also, when I disputed this same debt, a letter was sent that it would be removed and closed. Now this again. Please note, I have never been contacted in anyway by Debt Recovery Solutions or had no idea my information was sent to them. The information never had my consent to be sold nor do I have any contract or dealings with Debt Recovery Solutions. Medical information is very personal and I feel my HIPAA rights have been violated. By Law, you can not add a debt to anyone 's credit report without notifying them first. I have reached out to an attorney regarding this matter as well.
10/04/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	IA 52732	Web	Older American
I informed XXXX XXXX XXXX XXXX XXXX XXXX? ) that XXXX XXXX associates such as myself were furloughed for the duration of the Covid 19 pandemic. I sent a copy of the letter all XXXX XXXX associates had received informing them of this. This action was necessary because I was paying for merchandise by payroll deduction. This deduction was no longer available once the furloughs became effective. I simply did not have the funds to sustain an indefinite furlough subsistence. I inquired of SSA because I was XXXX and quickly learned that I was eligible for benefits and filed for Social Security Benefits effective XX/XX/2019. My sole income is Social Security -- I receive no other income. I live in HUD XXXX XXXX subsidized housing. There is no other income but Social Security Benefits. As I understand it, Social Security Benefits are exempted by law -- therefore, I am judgment proof.
05/08/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 43204	Web
Last year I checked my credit report and found the debt listed with different companies. I disputed them all through the credit bureaus and it was removed. A year later which is now a different company reported this debt to my credit files and when I spoke with a person from their company he it was my debt and I must pay or it will destroy my credit which it has since it keeps being reported then taking off. They ended up sending me a paper that showed Diagnostic and codes. I had my ssn used years ago so its hard telling what that person did. Also SSN and DOB are so easy to get now of days i don't trust anyone just becasue they have that. I believe they have crossed HIPPA Laws in some way. Why would they keep removing and adding it? So they can keep hurting my credit! Its wrong especially when the credit bureaus removed well over a year ago. Company is : Debt Recovery Solutions
08/07/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	RI 02919	Web	Servicemember
I called Debt Recovery Solutions XX/XX/XXXX to request validation of a collection that showed up on all 3 of my credit reports. Debt Recovery Solutions reported on all 3 credit reports that I owe {$160.00}. I 'm requesting that Debt Recovery Solutions remove this collection of my credit. The validation that they provided showed that I had a diagnosis code of XXXX ( XXXX XXXX ) and a 6 digit CPT code XXXX and that I owe {$160.00}. I 'm not sure where they received this information, however my emergency room visit for Date of Service of XX/XX/XXXX was n't XXXX XXXX and I do not owe the amount the stated. I 'm asking that this company remove my collection from my credit report immediately. I reviewed my medical record and billing statement with XXXX hospital which shows that Debt Recovery has somehow managed to provide me with incorrect information after I asked for validation.
01/25/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77477	Web	Servicemember
I am seriously about to result to legal action against the DRS ( Debt Recovery Solutions ) they have continued to damage my credit. I was never notified that they would be placing a negative collection item on my XXXX report dropping my excellent score by almost 90 points. This is not something that I will take without a fight because now they have resulted to trying to damage my good credit without notifying me. Please investigate and have DRS to remove this negative medical collection item from my credit report or I will seek legal action. Im going to use the power of social media to share my story because thousands of people are being harmed by their sneaky, conniving and unlawful debt collection practices. I will not move forward with legal action or social media sharing they immediately remove this negative item {$200.00} medical collection from my XXXX credit report.
03/25/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 19002	Web
I sent them a final payment, a restrictive endorsed check for {$25.00} which is legally binding. The terms were that by cashing my check, they are accepting my agreement to delete the account from all XXXX credit bureaus. If they did not agree, they could have simply sent my check back as stated in the letter that was enclosed. I have attached my cashed check and the letter I sent. This was deleted from all XXXX bureaus and have been re-inserted without notification which violates the FCRA 's Notice to consumer, that, " If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ''
09/24/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 750XX	Web
Debt Recovery solutions company try to collect a debt from I sent them a certified letters for The Original purchase Agreement to show that can legally collect this alleged debt proof that the debt was assigned to them like the bill of sale an Assignment or a receipt between them and XXXX XXXX XXXX XXXX.Debt Recovery Solutions Company is the creditor reporting inaccurate information on my credit report.They can not provide me with these documentation I asked them to delete this account immediately as its damaging my credit rating.I no account with Debt Recovery Solutions and if I have a account with XXXX XXXX XXXX XXXX XXXX not saying I do I never gave them permission to sell the Debt to Debt Recovery Solutions. Debt Recovery Solutions have 15 day to provide me with documentation I ask for if not I will file a lawsuit against them for damages and defamation of character
08/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	NJ 07050	Web
On XX/XX/XXXX I pulled my credit report to go over it and I saw a Collection entry on my report from Debt Recovery Solutions. The funny thing i that they are collecting for XXXX 's which was included on my Chapter XXXX Bankruptcy in XX/XX/XXXX. The bankruptcy was discharged on XX/XX/XXXX. This collection item was opened on XX/XX/XXXX this should have never been opened and they should have never reported this collection account at all. This item needs to be removed now. I have disputed this item with all XXXX credit bureaus and I even tried to get through to them but I was told that I would have to pay the money or face a judgement or they would garnish my money. Ridiculous this is. This goes against my rights under the Fair Credit Act. You can not do this you can not just go and illegally insert fraudulent accounts on my credit report. This is a crime this is wrong.
01/15/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 77084	Web
I tried contacting this Debt Recovery Solutions company about a debt that I allegedly owe. I did not get anything in the mail regarding this debt nor was I given the opportunity to dispute it. I obtained their information from my credit report and I called them in early XX/XX/2019 to ask them to validate the debt and the person on the phone told me " You know this is you. We know that you owe this debt. '' I gave the person on the phone ( who refused to give me her full name or rep ID ) my address in order for them to send me documentation that validates the debt with a contract, dates, signature, and specific ownership of the debt. I never received anything yet the collection is still on my credit report. As of XX/XX/2019, I have noticed that the same company has added another collection, which I also have not received anything in the mail in order to dispute it.
08/04/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NJ 08873	Web
I resolved some medical debt with other creditors with the help of XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. I received notification that the debt was discharged and removed from the credit report and now I am receiving harassing phone calls from XXXX XXXX XXXX requesting payment of {$720.00} for account number XXXX and {$170.00} for account XXXX and Debt Recover Solutions LLC for {$430.00} for account number XXXX. The original creditor with whom this was resolved is XXXX XXXX XXXX XXXX. I have advised both of these agencies these matters have been resolved and still they continue to call and harass me. I have requested that they send the validation of debt and they refuse to do this and say that they will not send more than what they have sent in the mail which does not state anything regarding any new debt and only lists debts which have already been resolved.
02/17/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 751XX	Web
DEBT RECOVERY SOLUTIONS DATE ACOUNT OPENED : XX/XX/XXXXAMOUNT OWED : {$570.00} So after receiving my annual credit report I had noticed that this entry DEBT RECOVERY SOLUTIONS has reported to all 3 Credit Bureau 's that I XXXX XXXX owe this company {$570.00} I have attempted to dispute this charge with credit bureaus cause i have no knowledge of this account or where it even came from. The Original Creditor Name to my knowledge according to the Credit Bureau is listed as XXXX XXXX XXXX. I have not been to any Emergency Room sinceXX/XX/XXXX. With the exception of a hand injury at work in which was a work mans comp situation and I was treated at XXXX XXXX XXXX not an Emergency Room. So I am disputing this charge cause this charge was not from me, and I ask DEBT RECOVERY SOLUTIONS to remove these charges from all 3 Credit Bureaus and properly investigate this issue.
09/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36330	Web
I have reported several times that the information reporting on my credit is incorrect in results of identity Theft. These accounts are still reporting on my credit to all three credit bureau please remove these from my account as this is affecting me to be able to buy a home. There are also addresses associated with my account that are not affiliated with me please have this removed immediately from my account. Every time I check my credit report things are constantly reporting that are not associated with me. I have filed police reports and also filed a complaint with the FTC. The following accounts are XXXX DRS XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX in the amount of {$290.00} XX/XX/XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX {$870.00} XX/XX/XXXX
11/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 90804	Web
I disputed a home phone bill with the XXXX major credit bureaus and Debt Recovery Solutions, a collection agency for the original creditor. It was settled in my favor and deleted with the credit bureaus and Debt Recovery Solutions did not respond. After the credit bureaus deleted the debt from the last of my XXXX credit reports, Debt Recovery Solutions began to send NEW correspondence, as if it had not been disputed. They continue to threaten to report it even though it has been one year this XXXX 2015, since the first disputes to the credit reporting agencies. They say I am ignoring them, but I have already provided my dispute to the credit bureaus, now I feel like I am being harassed. I have read how they were sued and lost in court for harassing someone this year. Debt Recovery Solutions is XXXX XXXX XXXX XXXX, XXXX, New York, XXXX, phone XXXX and XXXX XXXX
06/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	DE 197XX	Web
Debt Solutions said they have a balance of XXXX to collect from me from XXXX. I did not have a balance with them. In -fact I am back with them after two years. I sent all equipment back and had a XXXX balance. XXXX ca n't give me an explanation and The Debt company ca n't either. XXXX keeps telling me to contact the other. Why have n't I heard of this before XX/XX/XXXX? If I did indeed owe money why would XXXX take me back as a customer? I am very frustrated with trying to get to the bottom of this exorbitant bill that no one can explain where it came from. I do not have any bills because I did not have a debt. XXXX will not send me anything to substantiate this. I have been rebuilding my credit since XX/XX/XXXX when my cards were stolen ( XXXX ), and misused ( not by me ) XXXX XXXX. I would not allow a debt to remain un paid or ignored. I appreciate all help.
07/28/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43204	Web
Last year around XX/XX/XXXX I disputed a credit collection for a {$2400.00} debt that did not belong to me. The credit companies ended up removing that account. Now one year later around XX/XX/XXXX - XX/XX/XXXX this new company reported it back on my credit which I disputed and made a complaint through the XXXX in which I asked the company for proof it belonged to me since my info was stolen back in XX/XX/XXXX and and so many people can get your SSN and date of birth now days. The company need up removing it from my credit but as once again reported it again! They have damaged my credit points by adding and removing it so many times now. It's crazy how easy it is to add to someone's credit report. Not to mention whoever used my info for this hospital this company has broken the HIPPA by send certain info to me. I have posted the lettersame from the company.
04/16/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 132XX	Web
I have called the original vendor of this debt. It was an urgent care facility in XXXX Texas. Someone went into this company and had a visit. They used my name and my information. I have not lived in Texas in over 12 years and was not ever in Texas during this visit. I have sent a fraud notification to the XXXX. There were several other entries at one time that they used my insurance and name. I had many removed over the years. Now it seems as though this debt collection company bought this debt and now they are trying once again to hammer my credit. I sent them the correspondence from previous debt collectors on this. I asked them to send what vailidity they had twice. XXXX and again in XXXX. They have not sent me anything. I disputed this on my credit report. They continue to disregard my pleas. I sent this letter in the mail again asking for validity..
06/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX XXXXX	Web	Servicemember
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I have contacted the original creditor to try clear this matter up they they reporting I owe them nothing and the account had been sold to a company that is not yours I have provided a copy of the identity theft report I filed 2 years ago about this debt that keep popping up on my credit if you do not remove this debt immediately from my consume report or I will be force to pursue legal actions for compensation do to false reporting
08/10/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 076XX	Web
Ten or more years ago, I disputed the last {$190.00} payment to XXXX on my account. Recently, this old and uncollectible disputed debt was given to a collection agency in New York. They reported it as only four years old, and as a new collection account only one month old on my credit bureaus. My credit score has suffered terribly because of this illegal act. I have disputed these entries accuracy with XXXX and XXXX XXXX, but the collections company told them it is a legitimate debt that it should be reports as it is. There is no way that they have any proof that this is a recent debt, because it is not, and should not have been put on my credit bureaus. I believe this collections agency has done this illegal act to harm me and get be to pay it. The lawbreaker/tortfeasor is : Debt Recovery Solutions , LLC, XXXX XXXX XXXX, XXXX, NY, XXXX, ( XXXX ) XXXX
12/14/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85022	Web	Older American, Servicemember
I keep receiving NEW letters of a debt that has been resolved and or discharged ( see complaint XXXX CFPB ) This original debt was caused by insurance not billed, this company XXXX XXXX XXXX XXXX XXXX has closed their doors years ago, there are no invoices, billings that XXXX XXXX XXXX XXXX can provide me to prove otherwise as indicated by the many phone calls placed to them with customer service and supervisors assistance. They keep sending me these letters and have placed this debt on my credit report AGAIN.. they just keep selling this to debt collections and these people will not reason or send documentation of this debt whatsoever. The last company was XXXX XXXX XXXX. and they were contacted by you to close and or comply and they closed their file and removed it from my credit bureau. They call me non stop and this needs to AGAIN stop please.
03/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92780	Web
I XXXX XXXX XXXX am filing a dispute against Debt Recovery Solutions for stating that I allegedly owe this debt. I have found several laws that Debt Recovery Solutions have broken the laws are stated below : FCRA VIOLATION 15 USC 1681a ( 4 ) - respect to the consumers right to privacy. FCRA VIOLATION 15 US code 1681b ( a ) ( 2 ) - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. FCRA VIOLATION 15 USC 1681a ( 2 Exclusions ) ( A ) ( 1 ) - report containing information solely as to transactions or experiences between the consumer ( individual ) and the person ( corporation ) making the report ; in this matter i XXXX XXXX am the consumer ( individual ) and Debt Recovery Solutions is the person ( corporation ).
03/31/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07107	Web
The company Debt Recovery Solutions is a fraudulent company claiming to be debt collectors. I have no knowledge of the medical debt they are claiming dated back from XX/XX/2017 in the amount of {$740.00}. I have confirmed with the medical facility that all of my medical bills are fully paid off and the medical facility will be mailing to me an itemized bill proving that. The debt recovery solutions people tried to obtain my social security number and other personal information and when I refused to give it to them they hung up my call, and I have already called them four times. They were also supposed to send to my email the documents that they are claiming that shows what I owe and I have never received that email. They are trying to scam me and have me pay them when that bill no longer exist and I need this taken off my credit report asap.
06/22/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30215	Web	Servicemember
I spoke with Debt Recovery Solutions on XX/XX/2020 about a debt that was placed on my credit report however, I was not clear on whom the debt was with or why I had never received any information concerning this debt. So when I spoke with Debt Recovery Solutions on XX/XX/20 they stated that if I paid the debt that they would send me a letter of deletion from my credit reports and they stated that they could not tell me who the original debt was with or where the original debt came from. After completing the conversation with this company I did go ahead and make the payment however, I only received a receipt of payment but not the letter of deletion as promised or any indication of who the original debtor was. So I am asking that this information be disclosed to me as well as a letter of deletion of this debt from each of my credit reports.
05/05/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL XXXXX	Web
yesterday, XX/XX/20, I spoke with an agent that advised me that " written notice/Verification notice '' was mailed to an address that i have not lived at for 2 years. I advised wrong address and requested validation of two debts. I found out about these accounts because i got an alert on my credit score app. After reviewing my disputes again, I noticed the Agent only Disputed/requested Validation for 1 out of 2 accounts. When i try to call back i am sent to voicemail. On my credit report it shows two different collection companies " Debt recovery solutions , llc '' and " XXXX XXXX XXXX '' but when i spoke to Debt recovery solutions, they advised they had both accounts. XXXX XXXX XXXX is collecting {$120.00} and Debt recovery solutions is collecting {$1600.00} but i have never been contacted ( no called or mail ) in regards to this debt.
10/20/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23832	Web
Contacted XXXX XXXX XXXX on XX/XX/2021 advising of a debit that was placed on my credit file that did not belong to me. I asked both credit bureaus to verify the information because I have no knowledge of XXXX XXXX XXXX XXXX. I have also disputed this information a couple times and the information could not be verified by none of the credit bureaus. On XX/XX/2021 I received a letter from XXXX stating that the debit could not verified and it has been removed from my credit profile. XXXX has sent me the attachment stating that the information was verified and it would not be removed from my credit report. I spoke with XXXX on XX/XX/2021 which he stated that debit recovery solution was contacted and said it was my debit. I then asked XXXX did he receive anything with my name on it that I have signed for there service and he advised no.
03/23/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NJ 08054	Web	Older American
We are being harassed by frequent calls From XXXX Debt Recovery Solutions and they are looking for XXXX XXXX XXXX. My Name is XXXX XXXX and no one by the name of XXXX has ever lived in my house. Calls for XXXX have been received over the past 8 years and they are demeaning and annoying. Calls to these debt collectors to have the calls stopped simply result in a different agency starting the calls. There is no indication from my Identify Protection Service that I have ever had over due debt. The DRS ROBO calls about once a week. There after they use psychology by having a ROBO call and advertise lower interest rates. They also make frequent no message calls to keep the pressure up. DRS actions meets the definition of terrorism. DRS ( Debt Recovery Solutions ) XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ( XXXX ) XXXX - XXXX
08/04/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	SC 29708	Web
I had an ER visit on XX/XX/XXXX with original creditor of XXXX XXXX XXXX XXXX. The visit was covered under my insurance of XXXX XXXX XXXX XXXX XXXX XXXX and according to phone call with my health insurance provider on XX/XX/XXXX, they stated and I quote " They are an in network provider and they can not balance bill us for remaining amount of XXXX as the covered amount was paid so you owe this company XXXX '' The XXXX XXXX XXXX XXXX has turned this balance bill over to 3 separate collections companies, first they sent it to XXXX XXXX XXXX ( and this company reported this account as in collections on my credit report, also not good and needs to be removed ), then it went on to XXXX XXXX XXXX , XXXX , and most recently ( XX/XX/XXXX ) they sent it to Debt Recovery Solutions , LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , NY XXXX, XXXX.
07/04/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	VA 24112	Web
XX/XX/XXXX notified of credit report having a collection account added for XXXX from drs Never received right to dispute letter. I do not owe this bill. I contacted XXXX XXXX and XXXX XXXX and they both say I dont have a bill due. In XX/XX/2020 a company called XXXX XXXX tried to collect the same debt and found the debt was not owed. The company said they would delete this and the account would not get sold since it was a fraud collection attempt. Now here it is XX/XX/XXXX and XX/XX/XXXX and a company drs has placed the same account on my credit reports for the same account. XXXX XXXX and XXXX XXXX have said nothing is owed. This bill collection is a scam and fraud. Also, they never sent a notice to dispute. Also, I was told this account was moved for deletion by XXXX XXXX back in XX/XX/2020 since it was fraud collection.
02/14/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	OH 43068	Web	Servicemember
The company Debt recovery solutions XXXX XXXX XXXX has sent me a letter and reporting on my credit that I have a outstanding collection balance of {$520.00} for a loan linked to an address of XXXX XXXX XXXXXXXX XXXX ohio XXXX. Well, I own my home and this is not my address nor have i ever lived there. I send 2 letters to this company certified mail in XXXX and XX/XX/2020 asking proof of my signature of this loan application ( loan by phone ), copy of my driver license and all that was sent to me was a application with my name and incorrect address, phone number and zip code on the application, as well as no signature on it. I requested for them to remove it from my credit reports due to this not being mine and for them not producing information to show this is a valid debt. They have not done so, so I am putting in a complaint.
10/04/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 326XX	Web
I was contacted by Debt Recovery Solutions for a medical bill that was n't mine. I received multiple letters and I 've contacted them multiple times to get this to stop. They told me that I went to the doctor with NO insurance and got treated. That 's a. Lie in itself completely. I 've always had XXXX, XXXX, and XXXX. They would send me any verification that the medical office that they are claiming I went to was paid. I 've checked my insurance records and no where in that time fram was my insurance number ran matching the clinic. I called them informing them of that information.. I was told that they could n't do anything about it. I tried to dispute it at that time and they rejected it saying that it was verified by the clinic but not by my insurance company so it makes it legally to report it. Please help me get this off.
11/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 454XX	Web
I am not liable for this debt with XXXX XXXX XXXXXXXX XXXX I did not sign any paperwork. or have any type of agreement with Debt Recovery Solutions. I have recently been made aware that my identity was used. around the same time frame. I have not lived at the address since. 2002. I gave never used my credit or had much knowledge of credit until I recently got a car. I have contacted this company Debt Recovery Solutions.. Only thing they tell me is that information is verified, they would not tell me the means and methods they were able to verify, they also initially tried to not give me contact information of the original creditor. Unless they are able to provide more information or any reported communications, they had with me or sign documents this needs to be remove from my account.to prevent further action to be taken.
08/17/2022	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 91342	Web
I was trying to fix my credit with XXXX XXXX XXXX and a couple accounts was supposed to be paid off for them after 4 years paying till I find out there was a miscommunication with the company because they wasnt making the payments on all my accounts, a few days ago a third party company its been harassing me over the phone and calling family members asking for me company that I wasnt notified about I try to speak with one representative but she was been rude and un respectful to me where she said that they cant sue me for that amount, that she was mentioning but also that account was supposed to be be pay off since XXXX. What it got me confuse because I didnt have any knowledge about I try to my credit report company to make a disput but the third party its refused to remove the collection that its been Pay out since XXXX
04/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89084	Web
I asked them if I could pay this debt or a settlement would they do a pay for deletion. They said yes. They did not keep there word. I paid this debt and they said they would delete it from my credit report. All XXXX bureaus. It 's still reporting on my credit report. The account was paid. I then received a letter in the mall saying Please be advised that this office represents XXXX XXXX XXXX concerning the above preferred account originated from XXXX XXXX XXXX XXXX According to our client on his record there is a balance due of them out at {$340.00} this will acknowledge and I was a report of your settlement payment amount at XXXX on XXXX XXXX , 2017 th is account is being said or close by our office thank you for resolving this matter yours truly P. XXXX XXXX ... This is NOT what I asked for.
07/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	RI 02895	Web
XXXX cable/phone/internet had a billing error for XXXX form XX/XX/2013. When I pulled credit report I noticed contacted XXXX and they removed from all Credit Reporting agencies and stated billing error on their side. I checked the reports and all entries were removed. Several months later I received a letter from Collection : Debt Recovery Solutions for the same amount. I explained the background and faxed them the receipt of the return equipment to XXXX. The rep advised ( XXXX ) they would remove the account from their files. This week notices the Collections has been placed on my Credit report. I called XXXX and they could find NO records of any Past due, Collections under my name or any address. How can Debt Recovery Solutions report a debt that XXXX states I have none and I sent them proof of 2013 return of equipment
07/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 75062	Web
Since XXXX 2015, I have been working very hard to improve my credit reports and pay old debts to better my financial future. I was able to get all negative information off of my XXXX credit report until Debt Recovery Solutions reported a {$190.00} collection without my prior knowledge. This debt is 3 years old and has never been reported to any of the credit bureaus previously. I did not know I owed the debt until I saw this negative entry on my credit report. I was never notified of this collection account by mail or any other way nor was I given a chance to pay the debt in order to avoid the reporting of the collection account to XXXX. Had I been notified of the collection, I would have gladly paid it but was never given that opportunity. I also have not received anything from DRS since their reporting to XXXX.
03/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CO 80226	Web
On XX/XX/XXXX I submitted a CFPB complaint about XXXX XXXX XXXX To validate A allege debt that they say I own I sent them a debt validation Letter And they sent me back a couple of bills demanding I pay them and I dont recall any services with this company and theyre reporting the debt all my consumer report And the company admit it in their response That they acquired my medical information from XXXX OF COLORADO, XXXX on XX/XX/XXXX and Then assign it to DEBT RECOVERY SOLUTIONS LLC All without my permission and I also sent them a cease and desist letter as well as my invoice and they fail to comply to all of my demands not only is this a HIPAA Violation Its also a violation of my CONSUMER RIGHTS and the company stated in their response That they were complying with all federal and state laws which they were not
03/29/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 77025	Web
I received a credit alert today indicating a new account has been reported on my credit report. Upon checking my credit report, a collection account was placed in my file by Debt Recovery Solutions ( DRS ) with the XXXX credit bureaus indicating I owed {$1200.00}. I have never been contacted by DRS about any alleged debt. I have never spoken to anyone from this company and have never received any written or electronic communications. I have not received any type of validation notice stating the name, address of the original creditor, the alleged amount, and given an opportunity to request validation/verification within a prescribed period. This practice of placing unconfirmed and questionable collection accounts without notifying the alleged debtor first and following the FDCPA notice requirements is illegal.
04/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29644	Web
There are collections account reporting on my file that i have no knowledge of. My XXXX was using my information i have already disputed numerous times with these companies and they can't provide me any signed documents and some even have my incorrect information such as my name spelled wrong and incorrect drivers license number. Companies are : XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX{$1.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Last reported XX/XX/XXXX{$2000.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX Last reported XX/XX/XXXX {$3900.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/XXXX {$410.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX Original creditor DEBT RECOVERY SOLUTI Last reported XX/XX/2022 {$2900.00} Open balance XXXX
02/22/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 89031	Web
On XX/XX/XXXX i received a notification on XXXX app that a, collection agency Company called DEBT RECOVERY SOLUTIONS Had put A Collections/ Chargeoff on my credit report. I Called On XX/XX/2021 and spoke with a rep and i explained my situation to her, can't remember her name. And she stated that they didn't have a phone number and my entire unit number to my house, thats why i didn't received anything in the mail or a telephone regarding this debt validation. Its not fair to a consumer that they just put stuff on are credit report without having all there information for this debt. This account was paid in full that same day. I Asked them for a pay for deletion and she said they dont use those terms, but she will summit a request for them to delete. i just wan na make sure its comes off my credit report ASAP.
03/15/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 77053	Web
On XX/XX/2019 I contacted Debt Recovery Solutions regarding an account they are attempting to collect for and reporting on my credit report. They received my request for them to validate this account via certified mail number XXXX XXXX XXXX XXXX XXXX on XX/XX/2019 and they have yet to respond to that request. Instead what DRS has done is send me a text and call stating someone will be delivering papers for me to sign and I needed to be home to sign for them ... giving me the impression that I am about to be sued although the alleged account they are attempting to collect occurred more than 4 years ago, which is the statute of limitations in texas to sue a consumer. Debt Recovery Solutions continue to verify this account with the credit reporting agencies even though they have failed to validate the account.
06/25/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 24012	Web
DEBT RECOVERY SOLUTIONS Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Account Balance : {$1100.00} Consumer Statement : Placed for collection This company has been harassing me by telephone and contacting family members about a debt that has already been placed on my credit by 2 other Collection agencies.. Every XXXX months they submit a new hit to my credit and act as if the account is new the account is a old account at least 6+ years and they keep hitting my credit with the same old bill and it has already been submitted and attached to my credit report. they will not remove it i have tried to dispute it due to already being on my report and they will not listen they just keep submitting it as a new debt multiple times causing my credit score to crash XXXX pts each time for same bill.
05/12/2021	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	CA 91770	Web
I am aware of the oldest transaction that I took out money with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was about 2 years ago. It has been a while since I took out a loan due to being in school and pretty much they provide me with loans on behalf of the school. This new collection which is under the name of XXXX XXXX XXXX = Debt recovery solution is unrecognized due to never receiving letters which I should not due to not ever taking out another loan of {$310.00} by this company only XXXX XXXX XXXX XXXX. I tried disputing it with XXXX XXXX but they did not help. This new collection was recently placed back in XXXX and the new date that has changed to XX/XX/XXXX. I am always checking my credit due to having to keep track of the loans that I receive from the school which is how I noticed.
09/12/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30291	Web
This company have never contacted me through written correspondence. They have place 2 accounts on my credit report regarding a debt that I do not owe. I was never provided any details as to the medical provider and ant dates of treatment. My credit report shows that the accounts were acquired in XX/XX/2012. I have disputed these accounts with all 3 credit bureau and had the accounts removed. Recently the accounts were sold to another creditor and was placed back on my XXXX credit report. When I tried disputing the false dept again, it came back as verified. I believe the creditors are partaking in fraudulent activities. This debt is invalid. Every member of my household has had Medicaid for the last 8 years which pays 100 % of ALL medical cost. Also, both accounts show the same exact account number.
07/20/2023	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	SC 29072	Web
Good evening, There are several debt collection companies on my credit report that have re-aged debts that were supposedly incurred over years ago. The names of the companies are Debt Recovery Solutions , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have included screenshots of what is being reported. These companies are reporting that I have opened these accounts as recently as a couple of months ago, which is false. I have only recently disputed items on my credit report to the credit bureaus directly. The credit bureaus stated that they followed up with the companies to verify the information and that the information was verified but the information is false and now my reports are reporting relatively recently opened debts. This is inaccurate and affects my credit score.
05/01/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MD 20745	Web
Debt was charged off by the company XXXX XXXX XXXX in XX/XX/XXXX. Without my knowledge debt was re-opened by Debt Recovery Solutions in XX/XX/XXXX. The credit card only had a limit of {$500.00} yet it was reported to the credit bureaus as {$820.00} beng owed. Furthermore, DRS reported it a an overdue collections account in XX/XX/XXXX. Never once reporting it in XXXX or XXXX, yet reported it as 2 months overdue/late. How can you report a debt as late when ( a ) It is listed on my account as being charged off and ( b ) You don't have any agreement with me to pay said debt or payment plan in place ( c ) I don't have an account with Debt Recovery Solutions that I opened. This action has caused my credit score to drop 33 point in one week! This action is not legal! I demand it be removed immediately!
03/25/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33312	Web
I was notified that a collection agency reported a debt on my credit report in the amount of {$640.00}. I disputed this debt directly with the credit bureau who responded that the collection agency Debt Recovery verified the debt. The credit bureau despite my request failed to provide verification of physical documents of how this company verified the debt belonged to me. I then attempted to directly contact Debt Recovery and ask they provide me with validation that the debt belonged to me since this is something I never received in the first place. A certified mail was sent to Debt Recovery requesting validation of debt however as of date I have received no response from this collection agency however they are still continuing to report inaccurate unverified information on my credit report.
12/18/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 92630	Web
Please see complaint # XXXX for reference. That complaint was sent in XX/XX/XXXX regarding multiple attempts to collect the same bill from a collection agency. Now this collection agency has sold to another agency and they are attempting to collect again.. on bills already paid in full. This recent bill, received on XX/XX/XXXX is dated XX/XX/XXXX and is the same amount {$760.00} as three other previously paid bills ( breakdown of bills paid is attached ). This is incorrect and is extortion. I have already cleared all my debts over a year ago yet they still send the same bills over and over and over.. Threatening to hurt my credit that I've worked so hard to maintain. I am including a copy of the complaint sent in XXXX attached, please refer to that complaint for additional information :
05/20/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MD XXXXX	Web
I sent two letters via certified mail, one to XXXX and one to " Debt Recovery Solutions '' XXXX XXXX XXXX , XXXX , NY XXXX , regarding the same debt ( {$170.00} ) asking both to verify the debt. XXXX did not respond. Howev er, Debt Recovery Solutions sent a copy of an old bill as " verification '' of the debt. This debt was previously discharged in bankruptcy. This negative mark has been on my credit reports for months causing harm to me. I have asked " Debt Recovery Solutions '' to remove this from my reports to no avail. I am prepared to file suit against this company, but would am attempting by other means to try to resolve it first. The bottom line is that the debt is not owed. Debt Recover Solutions is reporting false and inaccur ate information on my credit reports.
06/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MO 653XX	Web	Servicemember
In XXXX of 2011, I lost service from XXXX XXXX for over 3 weeks. During that time, no technicians could come to properly investigate why none of my services were working. When the technician arrived, he told me that the issue lies within another technician disconnecting my services and using my line to work for another household. He rectified the problem, and I let XXXX know that I had XXXX services from them for that time and would need a prorated amount. I paid the XXXX $ that they owed, and paid the next months bill. They continued to try and charge me full price for the 3 weeks without service. Skip ahead 2 years, I had XXXX XXXX again in the XXXX market for 2 more years with no issues, but then they attempted to send my account to collections even though i was a current customer!
02/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem with product or service terms changing	MO 63136	Web
i have no knowledge of this account, i started receiving calls and at first i thought it was a scam, ,until i continue to receive these calls and now its on my credit report. it says Debt Recovery Solutions,, open on XXXX ..i got fraud protection on my accounts well at least i thought i did..Amount {$640.00} i also have inquiries on account that wasnt acknowledge XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX on my credit i have tried and tried to dispute this account, but no luck XXXX
10/01/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33414	Web
Debt recovery solutions has recently purchased a debt. They are reporting this account ( Account # XXXX ) to my credit bureau erroneously. I have requested documents to verify the original date of delinquency, and have yet to receive them. The date of delinquency that this company is reporting is incorrect. Which provides evidence that they are in violation of the FCRA. Reporting and renewing the effective date. Also, I never received any type of notification in writing prior to this account being reported to the credit bureau. I demand that they have this account deleted from my credit report immediately. If this matter isn't resolved in a rapid manner then you will leave me no choice but to contact my legal counsel in this matter. I want to resolve this matter amicably. Thank you!
10/13/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77530	Web
I have called and emailed them but they have refused to reply. I sent all document requests but they have refused to do anything. This is hurting my credit and all the plans I have. its ruining everything for me. This is not the first time the same collection had been placed on my credit. They do it everytime and I keep sending them document. Now theyve done it again. They keep doing it everytime. They sell account to companies, even paid off debt and the collection agency think they are above the law. They take whatever decision they want and ruined peoples lives. They believe the have so much power to place collection as they want and do what they liked I emailed XXXX they have also refused to do anything even the the evidence. I wish to file a complaint against XXXX as well
04/04/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	DC 20011	Web
The Problem Telephone Number is : XXXX call frequency for the week : XXXX/XXXX/2015 at XXXX ; XXXX/XXXX/2015 at XXXX and XXXX ; XXXX/XXXX/2015 at XXXX ; XXXX/XXXX/2015 at XXXX. The calls started about XXXX weeks ago and have continued with the kind of frequency described above. The recording starts by asking for XXXX XXXX and instructing her to press number XXXX. The recording then states that if the receiver is not XXXX XXXX, then press number XXXX. On several occasions, I have pressed number XXXX and explained to the woman answering that I have no knowledge of XXXX XXXX and requested that my telephone number not be called again. However, the calls are continuing as you see above. I have been on the do not call registry for a number of years.. Please help. ThanksXXXX XXXX XXXX
10/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33570	Web
Debt Recovery Solutions have never contacted me about owing any kind of debt before placing an entry with all XXXX credit bureaus which informed me that a company XXXX XXXX XXXXXXXX XXXX out of Utah ) believes I owe them money. I have never taken out a loan or any loan with this company. However, I saw an entry on my credit report that Debt Recovery Solutions pulled my credit report right before they made the entry on my credit report. I sent a registered letter to Debt Recovery Solutions to provide information to me such as why they believe I owe money, including all pertinent information that would prove that I owe money, but haven't heard back since I sent the letter on XX/XX/2023. I have also contacted XXXX XXXX XXXX, but they don't have any record of me in their system.
05/12/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	AZ 85340	Web
I received a bill from Debt Recovery Solutions LLC for {$370.00}. The Original Creditor is XXXX XXXX Hospital. I 've never been a patient with them, however I called the hospital to see if there was any record of me and there was nothing. I called the Debt Collection company and told them I would not pay because their information was invalid, and that I researched the issue with the original creditor. The woman stated that the Hospital would no longer have my info, which is not accurate. There would have to be a date of service, and proof that I was a patient there however the hospital was unable to find anything with my name or DOB. The hospital billing dept have also never heard of this company. I feel this bill was fraudulent and they are trying to steal money from people.
08/16/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	VA XXXXX	Web
I called Debt Recovery Solutions , LLC asking them to verify the debt that said is owed. They also received a certified letter asking to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Debt Recovery Solutions , LLC was ask to provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing signature. I sent them a letter twice and the information was never verified. I never have taken out a online loan with this company or any other company. They sent me a computer print out without verifying any info that was ask to verify. This company reviews look like they are scammers.
10/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77546	Web
My name is XXXX XXXX XXXX. I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX RECEIVED THE LETTER.
10/13/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 38115	Web
On XX/XX/2019 I mailed a letter ( certified via USPS ) to Debt Recovery Solutions disputing a claim that I owe {$50.00} via the supposed original creditor XXXX XXXX XXXX as listed on my XXXX credit report. This debt is not mine and I do not owe it. I asked them to provide verification that this debt it mine. They have yet to do so. The letter was delivered to their company on XX/XX/2019 at XXXX XXXX. I asked them to provide me : 1. Agreement with your client that authorizes you to collect on this alleged debt. 2. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. They have not provided me with ANYTHING.
03/16/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30135	Web
There is a collection amount showing on my credit file for {$120.00} with Debt Recovery Solutions. Although the amount is not much, it is not mine and I should not have to pay or suffer from the negative impact it has on my credit because the account is not mine. I have been disputing this debt for months now. I have sent several letters to the collection agency as well as the credit bureaus, asking for some type of information on this debt. I have sent letters asking for the original contract with my signature, I have not received any communication from the collection agency or the credit bureau who allowed them to place this on my account without validation. This debt needs to be removed from my credit file immediately because I have no knowledge of this account.
02/14/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 935XX	Web
I asked the collection agency to validate the XXXX debt they have been trying to collect on. I received no response. Instead, I experienced more aggressive collection activity. I explained to them that this has been paid long ago and that they were reporting this same account several times. Since they refused to validate the bill I then disputed this account information as inaccurate with the bureaus. When I asked for validation of the debt I asked for very basic items. Absolutely no response. FCRA requires a debt be verified 30 days during which time the disputed debt is not supposed to be reported. The collection agency is ignoring my requests for validation, reported a disputed debt, and is re-aging and duplicating the same exact debt that was paid long ago.
08/04/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 79118	Web
We received a medical bill from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The amount we owed after insurance was {$210.00}, paid on XXXX XXXX, 2013. The company still turned us over to collection. To date we have been harassed by the following companies in order to collect a debt we paid. We have sent all documentation to each company, i.e. our credit card statement with the amount paid to XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDebt Recovery Solutions, LLCEach company names the creditor XXXX XXXX XXXX, XXXX. We have had to prove each time we paid the debt. Each company is collecting the exact same amount we paid. This has to be some sort of fraud at this point on their part to collect a debt we have proven time and time again we paid.
03/25/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33617	Web
To Whom It May Concern, I dispute your claim and request validation under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). Provide a breakdown of fees, including how YOU calculated what YOU claim I owe. Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. Send me proof that you are licensed to collect debt in my state. Send this information to my email and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. I will await your reply with the above-requested proof. Upon receiving it, I will correspond back with you. Sincerely, XXXX XXXX
01/05/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08050	Web
XXXX XXXX, XXXX XXXX, sold an apparent debt to Debt Recovery Solutions. This company neglected to send the bill to the correct address over 7 billing cycles and received returned mail. I was never notified of the purchases on the account nor did they send a bill to the correct address if the purchases were made. XXXX XX/XX/2019 was the time the bills were consistently sent to the wrong address. I contacted XXXX XXXX to inform them that I never shop at XXXX XXXX and if I did I would have not spent the amount on {$480.00} I asked why they couldnt inform me of the account, purchases and dates of purchase and they couldnt not provide me with this information being they sold it to a debt collector. I would like to dispute the charges as it may be fraud.
10/02/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33771	Web
I have been trying to have this debt validated for years. It is for something/medical related in a state that I do not live in nor have ever lived in. I have sent numerous ( 5 ) validation letters to the creditor listed on my credit report, all of which have been returned to sender. I have also disputed the debt with credit bureaus, both XXXX and XXXX were also unable to validate this debt resulting in deletion. XXXX continues to report a debt that I personally believe to be past 7 years, but the collection agency keeps reporting it newer and newer. I asked XXXX to delete it as it is past the 7 year window, but also as they have not validated the debt nor has the creditor - which is a violation of my consumer rights and why I am escalating it here.
01/05/2020	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 Their investigation did not fix an error on your report	MA 01702	Web
Debt Recovery Solutions agreed to delete an account from my credit report and the account still shows on my credit report, this company agreed to this after a complaint that was filled by me as the consumer. I called their office to ask, why the account isnt being deleted and now theyre telling me that a manager needs to review it. This has been going on for more than 4 months and I know that this process should only take about 30 to 60 days to complete, I want Debt Recovery Solutions to provide me with a letter from their company where they say, that they agreed to delete the account and that they sent request for deletion to all the credit bureaus that the account is being reported to. I need this letter as soon as possible and thank you very much.
05/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 775XX	Web
on my credit report under all 3 credit bureaus, its shows multiple entries for the same debt ... this debt is not even mine. called the collections companies and they state they show nothing for me but yet leaves it up to me to clear out of my credit reports. XXXX XXXX XXXX XXXX called XX/XX/2020 @ XXXX they have the following debt listed 2 times on my credit report- XXXX XXXX XXXX XXXX {$2200.00} Debt Recovery Solutions XXXX called XX/XX/2020 @ approx XXXX they have debt listed 1 time- XXXX XXXX XXXX XXXX {$2200.00} I also called this " XXXX XXXX XXXX XXXX '' @ XXXX on XX/XX/2020 @ XXXX and after review they DO NOT have anything listed for me as a debt, not sure why 3 entries to 2 different credit agencies would have this information.
11/10/2017	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	GA 308XX	Web
I contacted Debt recovery solutions about a medical debt that was put on my credit report several years ago. I wrote them a letter explaining that this was not my debt and it was identity fraud, i asked for proof this was my debt ( i had XXXX at the time which would have paid for any dr visits or hospital visits ) i sent a police report to this agency as well, and the debt was still not removed. They never showed me any proof this was my debt because its not. I filed a complaint with XXXX and the debt was removed, the company has added this debt back several time under different collection names but when contacted it is the same agency. XXXX is allowing this company to destroy my credit report after they have removed the collection several times.
12/18/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MO 63376	Web
Do I have a contract with you? Please send me a certified copy of the contract the exist between XXXX XXXX & XXXX XXXX XXXX XXXX Debt under penalty of perjury. Per the FDCPA/FCRA 15USC 1692 e.g. Breach of Contract by violating the Arbitration Clause. pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. According to the FDCPA After checking my records your company has NOT provided me with the contract we signed together. If you can not provide any agreement between us from this day on you agree to pay my fee of {$3000.00} usd, for contacting me without my written Express consent. I will also file harassment and identity theft charges. Please also send me the 1099-INT for this account.
10/23/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 17603	Web
I apparently owe a debt company called debt recovery solutions. I called them 3 or 4 times between XXXX of XXXX. I asked them to give me any information on what my debt was from, since it just showed up on my credit report randomly on XX/XX/2023. First time I called I asked for any information on what my debt was from and the first thing they said was how would you like to pay. Second time I called, they told me they were going to email me the information and never did. Called them a third time and they told me they mailed it to me, but I dont recall getting a letter. I have also moved 4 times in the past XXXX years. TERRIBLE customer service, they are very pushyon the phone for payment. I wont pay until I know its a legitimate debt that I owe.
04/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34741	Web
Multiple debts reporting twice on my report which arent mine of which are hospital bills Collection from Credit Bureau XXXX Original Creditor : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : XXXX Collection from Credit Bureau XXXX XXXX Creditor : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : XXXX Collection from Debt Recovery Solutions Original Creditor : XXXX XXXX XXXX Phys XXXX Opened : XX/XX/XXXX Balance : XXXX Collection from Debt Recovery Solutions Original Creditor : XXXX XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX Balance : XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
08/26/2021	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 Their investigation did not fix an error on your report	MD 217XX	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.
11/09/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78750	Web
I respectfully request full investigation and based on the information I have provided I request the DEBT RECOVERY SOLUTIONS , LLC be fined for violating my rights and forced to comply with the regulations and laws protecting me from there unlawful practices. They placed a collection on my credit and refused to verify the alleged debt and they also refused to verify they owned the alleged debt they are attempting to collect. DEBT RECOVERY SOLUTIONS , LLC needs to provide the legal documentation they ( own ) the alleged debt ( Bill of Sell, Affidavit from original creditor verifying the Bill of Sell, and contract or agreement with my signature ) or cease all debt collection activities and remove the alleged debt from my credit files.
05/26/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA XXXXX	Web
There's a derogatory mark on my credit profile that I keep disputing due to a fraudulent claim or some sort of misunderstanding on the debtors part. Somehow, it keeps magically appearing on my report by different companies as if they're selling the debt to other companies. This is so frustrating. So much hard work has been put into my credit profile ; making payments on or before due dates, and not missing payments. This is appalling to me. I have nowhere else to turn. I'm tired of building my credit only to be faced with having to dispute an account that I didn't create. I've never been to the establishment that says that it's me who owes them. Please have this error removed. Thank you so much for your time and patience. Good day.
05/18/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 94541	Web
I received a credit report alert from my personal bank on XX/XX/XXXX of a new inquiry on my account with all three credit bureaus. I logged into my XXXX account to see a debt collection on my account. The debt was placed on credit report on XX/XX/XXXX. I have no knowledge of this debt and was never notified by the debt collector. I immediately file a dispute with XXXX of " no knowledge '', which XXXX refused to assist. Stating the debt collector said the amount owe and debt was accurate and verified. My question is my whom? I was not made aware of any debt from the debt collector or original creditors. I was able to file a dispute or complaint in the allotted due to the debt collector 's failure to notified me prior to XX/XX/XXXX.
03/17/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	UT XXXXX	Web
On approximately XXXX, I received an alert from XXXX that a change happened on my credit report. Its from Debt Solutions Recovery on behalf of XXXX XXXX. Funds were dispersed on XXXX for {$1800.00} I received a letter from DSR a few days later that says I owe in excess of {$3600.00} An email was received from DBS and I insisted bit wasn't me, but they said their client needs a police report. I filed a police report on XXXX, report # XXXX. I supplied the Detective the contract irroneiously done. Contract # XXXX. The Detectives investigation found the IP address was from Missouri, not Utah where I reside. The Detective suggested I contact the FBI because this is identity theft was a Federal offense since it's across State lines.
01/31/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77545	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.I am a victim of identity theft and noticed a collection from DEBT RECOVERY SOL. I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against DEBT RECOVERY SOL in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
06/07/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30082	Web
Debt Recovery Solution is reporting a negative item of collection amount of {$99.00} on my XXXX and XXXX credit reports. Date reported opened XX/XX/2018. THIS WAS A URGENT CARE VISIT AND THE HOSPITAL NEVER SENT TO MY INSURANCE, WHICH COVERED THE VISIT/SERVICE. Debt Recovery Solutions is reporting on my XXXX and XXXX ) credit reports without every notifying me of this debt. My insurance company informed me that the payment was made to XXXX XXXX XXXX and there is not balance outstanding. This is inaccurate collection on my credit report is adversely affecting my life ... I have been denied employment, credit from credit cards and mortgage loans, leading to my divorce and extreme medical issues from the stress. Please help!
06/22/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 32714	Web
Office Name DRS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Account ( 1 ) # XXXX High Balance {$1200.00} Date Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Account ( 2 ) # XXXX Date Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX I Called to this Office they don't have any information about account and told me is since XXXX and never do action about that. this account appears double DRS told me is a copy was a mistake Its clear they are braking my Rights and use their tools to damage my personal information they use this attack against XXXX american people Because they use the law and leagl tricks to pressure and win money or stolen money from our community XXXX XXXX XXXX XXXX XXXX
11/02/2017	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	PA 151XX	Web
On XX/XX/XXXX I discovered XXXX XXXX XXXX XXXX XXXX for {$660.00} and {$690.00} had been re-inserted into my credit file. They are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. This has been open for a few years now after they took me by ambulance after a car accident and I have tried telling them numerous times that I had health insurance. I have never been billed for that hospital stay or 2 ambulance rides I 've had since then. Because I HAVE health insurance, I HAD it then too. This keeps dropping my credit as they reinsert it without notification or answers. My car accident was i believe in XX/XX/XXXX.
04/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11379	Web
Upon moving out of my apartment I paid all of my bills and closed all accounts. That includes my cable which I got from XXXX. XXXX said to return the hardware for the cable thru XXXX, which I did. I have the ups receipt to show that I sent all hardware back to XXXX. My credit reports were showing that I owed XXXX {$300.00}. I contacted XXXX and showed the receipt to prove I have taken care of everything on my end. They closed the debt and I waited for XXXX to delete it as well. After trying to get XXXX to delete the debt I have not been successful. I have shown them all the proof I have and still no. I am hoping that this will give me the answers I need. I would like to buy a house and this will not look good to the banks.
08/02/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 317XX	Web
The services were performed at XXXX XXXX hospital that was in our plan. I called To have them code it correct for insurance company to cover. They did not change it therefore. It did not cover it due to their way of billing it out. All other services changed the way the bill was sent and it covered it. Services was performed @ XXXX XXXX which was in our Ppo ... but they show it as XXXX XXXX which is not in our ppo ... tried to get them to correct and they would not. Which resulted in them not getting paid by insurance. The reason insurance did not pay is because they show it performed @ XXXX XXXX & not XXXX XXXX. The other doctors that saw him changed the billing to reference they at XXXX XXXX and the insurance paid.
09/21/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	FL 33021	Web
I received XXXX different letters from a company called Debt Recovery Solutions LLC ( XXXX ) with a name of the recovery specialist XXXX XXXX and each letter states that I owe {$100.00}. I thought was the same letter but repeat, when I called to pay the rude people that answered the phone never gives the specifici information and they only say that I have XXXX differn accounts that I owe for XXXX hospital when my debt with the hospital was only aprox. {$100.00} ( and I have trhe proof ). The person mention in the letter does not exist, that is what the last person that took my call said. The {$300.00} they are tring to collect is not true and this company nevers wants to be specific when I called and ask for the account.
11/19/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91405	Web
https : //www.dbtsolutions.com//contact-us.php Debt Recovery Solutions Toll Free Telephone Number ( XXXX ) XXXX Mailing Address : Always include your account number for reference XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Chief Compliance Officer XXXX XXXX Certification # XXXX Company Certification # XXXX -- -- -- -- - THAT IS THE COMPANY INFORMATION -- -- -- -- - THIS DEBT IS NOT MINE THIS DEBT IS VERY OLD IF IT IS MINE AND WAS PAID, YEAR - XXXX OR XXXX THIS COMPANY IS LYING AND IS PURPOSEFULLY PUTTING THIS ON MY CREDIT CREDIT REPORT AND I WANT THE COMPANY FULLY AND MASSIVELY INVESTIGATED THIS IS A LIE THIS ONLY APPEARS ON 1 REPORT XXXX AND NOT THE OTHERS THEY MANIPULATED MY CREDIT REPORT I WANT THEM OUT OF BUSINESS
08/29/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NC 28214	Web
Debt Recovery Solutions is in violation of 15 U.S.C.1692-1692P On XX/XX/2019 ( I ) XXXX XXXX reviewed my Consumer Credit Report to discover a invalid debt from Debt Recovery Solutions. I called and spoke with a person by the name of XXXX about this Invalid debt from Debt Recovery Solutions. Mr. XXXX who was both abusive, and oppressive with me ; in violation of 15 U.S.C.1692b ( 2 ). Mr. XXXX also used obscene language against me ; in violation of 15 U.S.C 1692d ( 2 ). I then ask Mr. XXXX to remove this invalid debt from my report and to stop all collection efforts and he stated that he would refuse to do so. Mr. XXXX was deceptive with me in his attempt to collect a debt ; in violation of 15 U.S.C 1692e ( 10 ).
05/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77433	Web
DRS also know as Debt Recovery Solutions has placed a collections account on my credit report in violation of the FDCPA and FCRA. I have never been contacted by this company in any way. I have never received any mail from this company. They are reporting this as a new account opened XX/XX/2022 in the amount of {$1100.00}. They are claiming to represent XXXX XXXX. The debt with XXXX XXXX is a result of identity theft which documentation was provided. DRS is falsifying dates in order for it to appear to be a different account from the original account that was reported as identity theft. I have no relationship with DRS. I have not authorized them to use my personal information nor do I have any contract with them.
08/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	NJ 07050	Web
On XXXX/XXXX/15 I received via your website a letter from Debt Recovery Solutions that they were going to remove the Trade Lines from all XXXX credit bureaus. That has yet to be done instead. Debt Recovery has validated the accounts with all Credit Bureau 's XXXX separate occasions which has hit my credit score tremendously. They have verified that this was a new Collection account on XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15 on XXXX, XXXX and XXXX XXXX. Also on XXXX/XXXX/2015 they again verified the account is valid and it had hit my credit score again. This negative invalid trade line was suppose to be removed as of XXXX/XXXX/15. Now why are they doing the direct opposite of what they are suppose to be doing
04/11/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	WI 541XX	Web	Servicemember
We have received incessant calls from XXXX XXXX XXXX. Robocall leaves a message and says to go to XXXX if you want the calls to stop or to call XXXX. That website is wrong, the phone number is always busy. But I found their real website XXXX XXXX XXXX Their real phone number is XXXX. They are calling about a debt that is for an ER visit to the hospital that was part of a closed XXXXXXXX XXXX XXXXXXXX claim. They should be calling the employer XXXX XXXX XXXX XXXX to resolve any unpaid debts, not the XXXXXXXX XXXX XXXX injured employee. The hospital turned the debt over to debt collectors that are always bothering us about the debt instead of contacting the responsible party, which is the above-named employer.
05/01/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 912XX	Web
FIVE COLLECTIONS ARE REPORTING UNDER MY XXXX CREDIT REPORTING AGENCY, THESE DO NOT BELONG TO ME, I HAVE ALREADY ATTACHED MY POLICE REPORT THAT AT SOME POINT I WAS A VICTIM OF ID THEFT AND THESE DO NOT BELONG TO ME, PLEASE YOU ARE MY LAST HOPE TO THIS ISSUE, THIS HAS GONE LONG ENOUGH THEY ARE THREATENING ME AND XXXX IS NOT HELPING THEY ARE TAKING THE COLLECTION AGENCIES, AND NOT THE CONSUMERS, PLEASE HAVE THIS ISSUE RESOLVED, I CANT FIND ANY OTHER WAY TO HAVE THIS RESOLVED, AS A CONSUMER I NEED YOU R HELP THEY ARE NOT ALLOWED TO REPORT ANY MEDICAL RECORDS OT OTHER AGENCIES, ESPECIALLY IF THESE DO NOT BELONG TO ME, PER HIPPA LAW THESE ARE NOT BYLAW ALLOWED TO BE ON SOMEONE ELSE 'S REPORTS. PLEASE HELP THANK YOU
06/10/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 19135	Web
Ive had issues with this agency since XX/XX/2021 when it was first reported on my credit. Ive filed the dispute twice and they claimed they could verify that is me, which isnt factual. However this has damaged my credit severely and I wanted it gone, so I paid {$800.00} on XX/XX/2021. I was told that it would be deleted in a matter of 2 days once I received the letter stating it has been paid. I contacted the credit bureaus ; XXXX and XXXX to delete it and I was told that even with the letter that they would have to wait on the agency to send it. I then contacted the agency and they told me it would take 30 days. I was under the impression that if I paid it would be deleted immediately not 1 month or more.
10/14/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 20735	Web	Servicemember
Debt Recovery Solutions , LLC, XXXX XXXX XXXX, XXXX NY XXXX has reentered a collection account on my credit report that was removed by them in XXXX XXXX. This is the same account from XXXX XXXX XXXX from XXXX XXXX for the amount of {$600.00}. This account was paid to XXXX XXXX XXXX on XXXX XXXX, XXXX. I have previously reported this account to the CFPB in XXXX XXXX and received confirmation that the account would be removed from my credit file from XXXX XXXX, XXXX XXXX XXXX, Phone : XXXX. The account was removed by has since been reentered on my credit file on XXXX XXXX, XXXX. After being denied credit recently I checked my report to find that this account has been entered once again on my credit report.
11/26/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 75043	Web
Debt Recovery Solutions reported a medical bill in the amount of {$960.00} on my XXXX credit report without notifying me in XX/XX/XXXX. If they wouldve notified me, I wouldve had the chance to dispute the medical bill that is not mine. The same medical bill was disputed with XXXX in XXXX which was sold to Debt Recovery Solutions. As I stated in XXXX this medical bill is not mine and the billing error that occurred with the hospital is not my fault. Ive been with the same employer since XXXX and Ive always had medical insurance. Attached is a copy of the complaint that I filed in XXXX which has evidence that this bill is not mine and I would like it removed from my credit report and never reported again.
06/01/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33179	Web
I received a letter from Debt Recovery solutions dated XXXX / XXXX / 17 stating that i owed them, however, the current creditor is XXXX XXXX XXXX XXXX , and the original creditor is XXXX XXXX XXXX XXXX . On XXXX / XXXX / 17 , I sent Debt Recovery Solutions a certified letter requesting that they validate this alleged debt, however they have failed to do so and they continue to report this alleged debt to the credit reporting agencies. On XXXX / XXXX / 17 , I received a letter from Debt Recovery Solutions d ated XXXX / XXXX / 17 with a bill from XXXX XXXX XXXX XXXX showing a balance {$0.00}. They have not provided me with any legal documents about this alleged debt.
06/26/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34772	Web
I have called this medical company to let them know that I do n't know anything about about this bill, I have never had any type of medical treatment whatsoever I always have medical insurance I needed to go to the hospital or any medical facility it would be paid for through my insurance so I know for sure I did not have anything to do with this. It 's ruining my credit for the amount of XXXX the company is called Debt recovery Solutions. I have tried communicating with them and they are not trying to listen to my side of story they are very rude and hard to deal with every time I dispute it with XXXX they always put it back on after it can delete they 're playing with my credit report I have no help.
09/27/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY XXXXX	Web
Company- debt recovery solutions Amount- {$940.00} and {$280.00} Disputed these two account more then 2 times. I had health coverage everything was giving at the time of at the hospital Photo ID and health insurance card they are claiming that they have sent me letter and insurance never paid which is not true its was taking off my refit 2 times the 3 to 4 month after another collection company picks up the account which dropped my credit 68 points that is very bad speacially when Im trying to start a family. Please help take action against these people when I try to call they tell I have to settle and pay when in try to explain what had happened they hang up the phone very unprofessional. Thank you.
08/17/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Information belongs to someone else	TX 75150	Web	Older American, Servicemember
Last week I went to review my credit report and found that DRS has a collection record on me for {$580.00}. When I called them up, I was told that I took a payday loan from their client on XX/XX/XXXX. I told them it was false because I did not make any such transaction. The email they gave is not mine and they used the address of a house I sold in XXXX. I have called DRS over 3 times to send me the original application and to take it off my credit report but they turned deaf ear. My personal record has been breached by more than 2 companies. Last year, my employer ( IRS ) notified me that someone was working with my SSN and wanted to file taxes but it was foiled as I do not have a second job.
04/05/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AK 999XX	Web	Servicemember
This company is claiming to have purchased medical debt from a previous debt collector. This company has no legal right to possess any medical information about me and I never signed any release of any medical records to this company. They claim I owe XXXX. I demand any and all proof that I have any medical connection to this place to be mailed to me. I also demand proof of certificate allowing collection practices for my state. Plain computer printouts is not acceptable. I demand to see my real information such as any signature and itemized medical charges with this company that enabled them to have medical knowledge about me. If they cant prove this, next step is the Alaska Attorney General.
12/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43110	Web
I received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section 609 [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. PLEASE DELETE THIS FRAUDULENT ACCOUNT AT ONCE : XXXX XXXX XXXX # XXXX. I dispute this debt and any accounts you may have in your office. The original creditor is also a 3party junk debt collector and has also failed to send any notice or verification of this account.
10/24/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NY 11209	Web	Older American
The collection agency did not send me written statement about XXXX different accounts. Recently, they reported the debts to the credit reporting agencies without ever calling or writing. In the first case, they spoke with me about the dates of service but would not send me anything in writing, so I called the hospital who could no longer provide a statement to me since they turned over the file to the collection agency. In the second case, they simply put it on my report. Reading my credit report should not be the first time that a person finds out about their bill. At the time I was a sliding scale patient at the hospital and had obtained a financial hardship from the Afordable Care Act.
01/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33034	Web
I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
12/13/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	WA 98056	Web
Debt Recovery Solutions ( DRS ) showed on my credit report with no mention of what the original debt is. No communication received from DRS in regards to the debt. On my credit report it lists XXXX XXXX XXXX as the original creditor but upon searching XXXX XXXX XXXX purchases written off debt. This company was of no assistance as they stated they no longer have the debt. As such, I have no knowledge of the debt & have not received any communication from DRS. DRS is also not licensed to collect debt in the state of Washington. The company is in violation of the FDCPA for not providing information & attempting to collect on phantom debt. Request this to be removed from my credit report.
05/31/2016	Yes	Debt collection I do not know	False statements or representation Impersonated an attorney or official	VA XXXXX	Web
There is significant threat. Debt collectors and identity thieves called my number [ automated ] and requested that I call their number. It is collection method and typical corruption. I suspect securities fraud/organized crime which has some behaviors and/or actions of insider trading or tax evasion. As a reminder., the call came in exactly at XXXX on XXXX XXXX, 2016. Never forget that someone [ who bribed agents ] got away with the same kind of evasion on XXXX XXXX, 2016. You remember? That is or exceeds {$680.00} XXXX in discrimination/extortion damage. I might contact the Do Not Call Registry if my suspicions or dislike to the FTC counselors would not totally XXXX [ procurement ].
03/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77034	Web
I am disputing fraudulent debt collection that is being furnished on my personal consumer report. Debt recovery solutions is claiming I owe them for a debt but they can not validate any of the debt. I have reached out to them multiple times requesting that they send me any and all supporting documents regarding this alleged debt that I, XXXX XXXX have with their company directly. I have never done any business with them or signed any legally binding contracts with them. I am reporting them for fraud since they are trying to get money out of me that is not owed and they are damaging my credit scores and report which has kept me from getting a job and new apartment due to their lies.
07/15/2022	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 781XX	Web
Did not receive any notification of this payday debt until now. It dates back to XXXX. They r asking for {$1600.00}. It was from XXXX. My question is why did i.not receive any late notifications. It's over 5 years ago. I seem to remember that I had contacted a firm which deals in illegal payday loans and they advised me not to pay. Unfortunately can not remember the firm 's name. I see now that this collection agency has it on my credit report. My husband recently passed away from complications due to XXXX. I can not afford any more payments at this time. Can u please help me. The name of th he collection agency is Debt Recovery Solutions. I'm suppose to respond by XX/XX/XXXX XXXX
09/01/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WI 53220	Web
I have this debt collection on my credit report for a long time. At the beginning I did n't pay attention to it because I knew I did n't owed it. They have contacted me letting me know that I did n't return a router to XXXX that I was supposed to when I close my account. I moved from New York back in 2012 and I personally returned the router to their office in XXXX XXXX in XXXX. I had previously contacted XXXX and let them know about me moving ; they told me all I had to do was to return the router, and pay any balance in full, I did so. Right now I decided that it was time for us to buy a house, but I have this negative and false report that is affecting my credit worthiness.
07/06/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75010	Web
On today XX/XX/XXXX I received an alert from my credit monitoring system that a collections account was added to my report. When checking I see the credit bureaus has added an account that I was never notified about on my credit report that has now dropped my score. I've never heard of this company at all and know that they do not have the right to add anything to anyone 's credit when they have not sent out a letter to notify me about this debt not giving time to request verification of this debt also not knowing if this company is even bonded in the state of Texas to practice debt collection. This was intentionally placed as a sneak attack and this company should be fined.
04/15/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 78249	Web
I request the original disclosure of my loan ( XXXX XXXX XXXX ) from collection agency but they said ; that they can not provide me with that. I just want to make sure the payday loan debt is mine, because I do not recall if I had any payday loan after my bankruptcy on XXXX. But Dept Recovery solution insist it is mine without any prove or even written notice. they placed a collection on my credit report without any notice letter or prove of who is the original creditor phone number or address or any documents. The collection agency must provide me a document to prove validity of debt. DEBT RECOVERY SOLUTION XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX - XXXX
01/22/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	KS XXXXX	Web
XXXX XXXX XXXX ( XXXX ) has repeated harassed me in an attempt to collect this unproven debt with the above multiple collection agencies beginning around XX/XX/XXXX and most recently in XX/XX/XXXX repeatedly sharing my medical, persona, SSN and contact information. In all cases, the debt claim has shown up on my credit bureau reports and scores damaging my credit possibly increasing my payment or interest rates on financial transactions. I contacted XXXX several times and they have failed to respond to my concerns. I have not been contacted by the the debt collection agencies. The debt has just appeared on my credit report. This is a clear case of debt being sold and resold.
09/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76011	Web	Older American
I wanted to show new incorrect debt collection agency information about me they put on all 3 credit bureaus. XXXX for {$640.00} says new account opened XX/XX/2020. Debt Rec Sol for {$530.00} says new account opened XX/XX/2020. XXXX XXXX for {$65.00}. says new account says I opened XX/XX/XXXX, XXXX. Because these companies are saying these accounts are new and just defaulted it has made my score plummet in a downward low so. I am unable to get a loan or any kind of assistance.I have worked very hard for several years to pay my bills on time and these bad collection agencies are lying about the recent dates of not paying. These accounts are all very old and should be removed
07/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 07018	Web
This Debt keeps appearing on my Credit Report and i do not have any dealings at all with XXXX. Its now showing that i open XXXX XXXX accounts in 2014, I have no XXXX accounts, On my XXXX credit file it was removed but now it appears on my XXXX credit file. I have NEVER received and collection letters from Debt Recovery Solution so i dont see how they are reporting debt on my credit report. Let me be Clear, i have no XXXX accounts at all, no home phone, cell phone, internet etc, Please address my compliant. I would like to receive a written validation notice showing the date and time, where and when, i open these accounts, As i stated before, I have XXXX business with XXXX.
12/03/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account status incorrect	WI 54449	Web
Debt Recovery Solutions, XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) reported a 'placed in collection ' balance of {$1300.00} to XXXX XXXX XX/XX/XXXX. They reported the original creditor as XXXX XXXX XXXX of XXXX with an open date of XX/XX/XXXX. I do not have a balance with this creditor. This appears to be a 'new ' balance, which resulted in a significant credit score drop. Over the past couple of years I have received random phone calls and emails from similar payday loan companies threatening to proceed with arrest warrants, direct contact with my employer, putting my social security number on hold, etc. Additionally, there was direct refusal to validate the debt.
03/17/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 91711	Web
XXXX placed me in collections for many years for service I never received. Servic was initially requested then canceled the following day. XXXX techs never came to my house to provide the service since I had cancelled it. I was charged. I called multiple times to inquire on the fee in a statement. I was assured it has been taken care of and to ignore any future statements. Months later after follow calls, I was sent to collections. Few months ago I decided to pay since it was hurting me for so long. I now reach out to the bureau after learning about my rights. Please advise. See Collection contact info. below : DEBT RECOVERY SOLUTIONS XXXX XXXX, NY XXXX ( XXXX ) XXXX
03/18/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 10460	Web
XXXX XXXX XXXX XXXX the original creditors have been trying to extort {$650.00} from me by establishing a negative debit to collect under an attempt that needs to be nullified. With every attempt to dispute this charge I have told these creditors that I have insurance for medical debits I don't have any reason to collect a debit because I am fully insured and they could have billed my insurance instead of making me respectfully responsible for a debit. These people have been harassing me for years and it's time for them to stop disparaging my credit. It is totally unfair for me to achieve anything credible of worthiness as this means a major hindrance going forward
01/22/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30909	Web
In XXXX of XXXX XXXX XXXX flagged my credit with a medical debt from a hospital Ive never attended or heard of. I disputed the bill as fraud and contacted the collection agency. After about 2 months or less the debt was removed and i assumed removed as fraud. I filled a fraud complaint with the FTC and reported the issue to the police department. In XXXX of XXXX the debt was reported back on my credit credit through a company called XXXX. Ive reached out to XXXX about the debt however no one answered or returned my phone call. Ive disputed the debt several time this year, i also filled another claim with the FTC and the police. However the issue still isnt resolved.
12/01/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30223	Web
Recently, Debt Recovery Solutions reported two medical bills on my credit report for {$980.00} and {$610.00} respectively. I was completely unaware of any outstanding medical bills that were owed, so as soon as I saw these accounts appear, I wrote to the collection agency and requested more information about where these debts came from. I asked them to send me the name of the medical facility where these debts orginated, the dates that the supposed services were performed, what procedures were performed, and if my health-care provider was properly billed. Well over 30 days have passed, so I can only assume that the collection agency can not provide this information.
09/16/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 751XX	Web	Older American
I'm am not responsible for this account.. I never had an account w XXXX.. I have disputed w XXXX and 3 credit bureaus .. I had XXXX XXXX for many years .. in the past. I am a victim of identity theft.. I'm not able to get info as to where the address of service was placed. I lived at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXfrom XXXX to XXXX then moved to XXXX XXXX XXXX XXXX XXXX XXXX tx from XXXX to present I now have XXXX XXXX.. I sent a letter asking for XXXX to provide the address of service.. They just state I owe bill and denied my dispute.and resold my act to another agency. Please investigate for removal from my credit reports I'm attaching documentation
09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 233XX	Web
During regular check of credit reports noticed Debt Recovery Solutions on my reports. Collecting for XXXX XXXX FCRA and FDCPA violations from Debt Recovery Solutions that consist of. No idea who they are as I have had no contact with them ever. XXXX account just appeared on credit reports with no chance to dispute. XXXX whom they are trying to collect for is a Internet payday lender that operates illegally in Virginia which is my state of residence. *Never have dealt with XXXX unless something was done in my name fraudulently. This information concerning Debt Recovery Solutions is also being reported to the Virginia and New York Attorney Generals Offices.
08/27/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	KY 415XX	Web
I had previously noticed this was on my credit report a few months ago. I sent out validation letters asking them to validate this debt they said I owed. They couldn't and by law the debt had to.oh been removed. I looked at my credit report and noticed this same debt collextor on there for the same debt, but they changed the open date!! The open date now is saying XX/XX/2018. This debt is about 3-4 years old. Its against the law to re age a collection. Another thing is I was NEVER notified before this. This company is a joke and honestly shouldn't be in bussiness. I have laws under the fair debt that protect me and my rights with this company have been broken.
03/28/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NC 28105	Web
I have XXXX and was notified by them that a collection had been reported to the credit bureaus that I had no notification or knowledge of. My credit score was over XXXX and I dropped XXXX points because of this. I XXXX the company ; Debt Recovery Solutions and found a phone number for them. When I called they state it was a medical bill from XX/XX/2011 from XXXX XXXX. I did live there at this time. I was located in a house for five years that we had purchased outright, never have I received anything. We then relocated to XXXX, XXXX and have still never heard anything pertaining to this account. Now it has trashed my credit and I was NEVER notified before hand.
01/24/2023	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	CA 93274	Web	Servicemember
XXXX XXXX Solutions was added to my credit report in the past. It was taken off because I wrote to them and asked for any legal contract with my signature on it from their company and they could not provide. I have never did business with their company so by law they have no business putting anything on my report. All of these agencies who are buying contracts from other businesses are not allowed to put any negative reports on anybody account, I don't know why you guys keep allowing it. If they can not provide you with my signature on a debt recovery solutions contract, please take off again for the second time. I appreciate all of your help, thank you.
04/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 334XX	Web
My latest credit statement continues to show a debt from XXXX that is several years old of {$110.00}. I negotiated a settlement on the original bill of {$230.00}, that was incorrect, with a credit supervisor named " XXXX '' in XXXX of 2013. I sent the check - they lost it, I had to stop payment on it ( I have a copy of the bank stop payment order ) and sent another check by certified mail which they cashed. In the " for '' area of the check I put the account number and paid in full. However, XXXX has passed the balance onto XXXX or XXXX other debt collection companies. I am XXXX of this and have the letters to prove my claim that I do not owe this debt.
10/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33169	Web
This letter is to inform you that DEBT RECOVEY SOLUTIONS did not have permissible purpose nor authorization to furnish my XXXX consumer report on XX/XX/2023. I am willing to settle for {$2000.00} in remedy for this action along with deletion from my consumer report. Please note the sole deletion of this inquiry without the specified remedy will not suffice as DEBT RECOVERY SOLUTIONS is still civilly liable under the FCRA. Please note that failure to invoke the specified remedy will trigger my private right of action within 8 days of receipt of this notice in United States district court. Thank you for your attention to this matter. Regards, XXXX XXXX
06/13/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AL 357XX	Web
I have no knowledge of this debt reporting from XX/XX/XXXX with an opening date of XX/XX/XXXX. I immediately sent a certified detailed letter on XX/XX/XXXX, requesting specific documentation for this alleged debt to this collector with no response as of XX/XX/XXXX. Nor have I received any former writing of this alleged debt prior to reporting on my credit report destroying my credit profile. I request a cease and desist of this reporting until this collector is compliant with my request and guidelines under FDCPA and FCRA. If the collector can not provide the requested documents this alleged debt should be immediately deleted from my credit profile.
06/08/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MN 55406	Web
An account just appeared on my credit for XXXX bank. This is a fairly old debt that would have been included in bankruptcy. I haven't received an email communication or mail to confirm or dispute debt ( at least none that im aware of ), otherwise I would have made efforts to clear up all to clear things. I'm a bit frustrated and feel a bit inconvenienced. I aonly have partial account number avail XXXX this is what I see. NAME XXXX XXXX Last 4 of SSN XXXX Amount {$610.00} Not sure whats needed on my end to further support my claim. Happy to dog up whatever I need to. Do i need to find my bankrupty lawyer to suppot? Thank you all for your time.
07/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95691	Web	Older American
After reviewing my credit report, I contacted Debt Recovery Solutions on XX/XX/21 at XXXX XXXX XXXX XXXX to ask for more information regarding the negative reporting by them on my credit report. I asked for detail information regarding this and the information they have to be emailed to me or by mail. Provided my email and mailing address to them. Description of the information on credit report : Account is in collection and has a {$310.00} open balance. Account was opened on XX/XX/21 ( 4 months ). No name of the original creditor. I have checked my records and found that I have not open " ANY '' account on XX/XX/21 including the above mentioned.
03/13/2019	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85035	Web
This has been going on for more than six years now. I contacted them and advised that I never took out a loan with XXXX XXXX. I advised I was seeking counsel because I have good credit and many fraudulent charges were being made against me. I sent them letters and also called and spoke to supervisor XXXX and was told this was to stop. This company left me alone for two years and here we are again with them trying to collect {$280.00} I am so fed up with this and almost gave in but this is so wrong and fraudulent I am seeking your help desperately at this time as this has become burdensome to me and my family to have to keep reporting this company.
08/22/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	UT 841XX	Web
I received XXXX threatening letters from Debt Recovery Solutions, LLS, with a contact name of XXXX XXXX. Both letters claim they purchased my debt from XXXX, a place in which I have NEVER had a credit card or any type of debt. In both letters, they prompt me to pay immediately, etc., at the bottom there is a spot in which you can enter your credit card number for payment, and you also have the option to pay online. This is an extremely unfair and bullying type of practice. Plus this debt is not even mine. If they are going to send out letter such as these, is it legal to send this type of letter without including legitimate proof of the debt?
11/07/2019	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	MA 01702	Web
The XXXX XXXX XXXX account on my XXXX credit report was supposed to be deleted a long time ago, I have told XXXX many times that the company that owns that account as of this moment has agreed to delete the account and I have given them prove of it thru the CFPB, the conversation that I had with the company that owns the account has also been provided to experian and it seems like they ignore it. I dont like it when a company thinks that they can do whatever they want with a consumers credit report and not care one bit, I have disputed this account with them like 3 different times and they wont delete it, they just keep updating the account.
06/06/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60901	Web	Servicemember
I need some Help with a Collection Agency again that has placed an OLD account on my credit report from XXXX that was handled by the Federal Trade Commision ( FTC ) and all Three ( 3 ) credit companies in the last 3yrs.This is an account that was handled by Medicare in XX/XX/2016. Now another company has been contacting me Via Phone ( on National Do Not Call List/Mail threating to take me to court. Now has Placed it in Collections Again. From Three years Ago. XXXX XXXX..I, m on XXXX, XXXX Veteran and XXXX Survivor . The Company that has taken the account is : Dept Recovery Solutions,XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX. ( XXXX ) XXXX
07/08/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 442XX	Web
I recently Received a negative credit report concerning a hospital bill from XXXX XXXX XXXX XXXX, A XXXX hopital. I have XXXX XXXX community plan XXXX and have had it for the last three years. I also have been approved XXXX in XX/XX/XXXX, and have since been trying to maintain and build financial data. Being covered under medicaid I am sure that the bill was taken care of or simply not properly filed by the hospital in question. I have a history of XXXX XXXX and maintain multiple doctor appointments The debt is held by DEBT RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I intend to contact them and try to get the remarks removed
05/04/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	KS 67226	Web
On XX/XX/2022 I noticed on my credit report a collection account for the amount of {$390.00}. So I contacted the original creditor which was FOUR XXXX XXXX P. as written in my credit report. I asked them why they sent it to collection without contacting me, she took all my info down and stated we haven't sent anything in your name to collection your insurance took care of the balance so I called DEBT RECOVERY SOLUTIONS and explained the situation and she just kept arguing with me I told her to call them and ask and she said no I don't want too. I my understanding false claims on credit report are illegal .I don't really know what to do.
01/09/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA XXXXX	Web	Older American
I am a XXXX XXXX XXXXXXXX XXXX XXXX that needs your help against XXXX XXXX XXXXXXXX, who conducted an illegal XXXX interest rate transaction, then sold this illegal transaction to XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, file # XXXX, Who the sold this illegal XXXX interest rate account to XXXX XXXX XXXX Debt Recovery SolutionsXXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX XXXX XXXX. Several illegal usury lawsuits were filed against many of these payday lenders and others in XXXX by various state attorney generals. I paid these people $ over {$2600.00} in XXXX over a {$2600.00} they still say that I owe them {$4300.00} Please Help
11/05/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	LA 70791	Web
Attached is a letter I received from Debt Recovery Solutions , LLC dated XX/XX/2018 on behalf of XXXX XXXX. The letter stated the account was purchased from XXXX XXXX. They are requesting that I pay {$640.00}. I stated to them that I did not take out a pay day loan from XXXX XXXX or from any other pay day loan company. I called Debt Recovery Solution, LLC and spoke with XXXX on XX/XX/18. I tried to explain to him that I do not owe the money because I did not take out a pay day loan from this company. He was very rude and aggressive on the telephone. I state to him that I was going to contact the CFPB and file a complaint on the company.
07/15/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	WA 98125	Web
I have n't received a single communication regarding this debt, except that is showing in my XXXX XXXX account as In Collections. I have kept my mail forwarding address current and have had the same phone number and email addresses for years. I have never gotten notification of toys amount being due, even before it was sent to collections. I do n't even know when that happened, or what the debt is for, who is from, etc. All I know, from XXXX XXXX, is that {$1000.00} is in collections with " Debt Rec Sol. '' I looked them up online and tried calling twice. Today, I sent a letter AND an email requesting more information about this debt.
06/25/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70065	Web
While reviewing my credit report on XXXX I notice a mark against my credit report from a company that I did not recognize. I filed a complaint through XXXX however, nothing has been done. I then contacted Debt Recovery Solutions , LLC ( original Creditor Name : XXXX Mastercard ) who apparently holds the debt. I asked them to provide me with documentation of when the account was open, and any documentation of a signature. As of XX/XX/XXXX, I have not received any information. According to what is showing on my credit report the account was open XX/XX/XXXX. I don't recall ever opening an account, receiving a card or using a card.
06/16/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 109XX	Web	Older American, Servicemember
I have received repeated letters and calls fro m Debt Recovery Solutions , LLC, XXXX XXXX XXXX , XXXX XXXX , XXXX , NY XXXX , about a debt of {$190.00} alledgegedly owed to XXXX . XXXX I have never been a XXXX customer and do not owe this debt. XXXX I have repeatedly told Debt Recovery th is, both in writing and by telephone and demanded they furnish written copies of contracts showing I owe this debt to XXXX . They have never complied with this and have never shown that the debt is in fact owed by myself to XXXX . XXXX I request that this harrassment stop and that they cease reporting that I owe this debt.
11/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 104XX	Web
I received a collection notice from this company on XX/XX/2016 claiming I owe them {$980.00} and they 're attempting to collect this debt on behalf of XXXX. I called XXXX and confirmed with them 3 times that I did not have any type of account with them. I placed a call to this collection company where they immediately asked me for my social security number which they hung up on me when I refused to give it to them. Since I have never opened an account with XXXX nor was I ever a customer with XXXX I came to the conclusion that this is a scam. I have since sent a debt validation letter to this company with a return receipt request.
09/09/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75023	Web
On XXXX XXXX I sent a letter out to Debt Recovery Solutions about another account they was supposed to do a debt validation on. The company resolved the first account deleted it ; but the second account they never followed up on or validated the debt but they are still reporting it to credit bureaus. I mentioned in my validation letter to please provide me with competent evidence that i had any legal obligation to pay them. I mention to please reply within 30 days with proper documentation. I sent a debt Validation letter packet for the company to complete and return with the proper documentation but the company never responded.
09/17/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	VA 23234	Web
Repeated phone calls on my work cell phone from Debt Recovery solutions after being asked to not call me on this number. Requested information by mail and was informed I would have to settle with them on the phone or I would be subject to legal action. Told them I was not willing to communicate on my work phone and they would have to contact me by mail. Consistently harassed over multiple phone calls. Debt was removed from my credit report and then resubmitted multiple times. I've disputed and had it removed and then a couple of months later it was sold to another debt collector, consolidated the amount and resubmitted it.
04/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 92008	Web
I received a response from Debt Recovery Solutions , LLC indicating that they would immediately remove the inaccurate information from my credit report. They had indicated that they needed an account number and identifying information. At the time, my monitoring service could not provide an account number. However, I now have the information and would like the issue to be completely settled. Thus, I received a response from XXXX XXXX. Here 's the account number # XXXX. Moreover, I have provided a scanned copy of the original complaint for your recollection, along with XXXX XXXX response to expedite the matter. Thank you.
03/22/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46123	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
09/19/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TN 377XX	Web	Servicemember
On XX/XX/XXXX I viewed my credit report and found two collections from the same company. I never received any correspondence from them saying I had a debt. Debt Recovery Solutions {$940.00} Debt Recovery Solutions {$270.00} On XX/XX/XXXX I mailed a debt verification letter ( non certified ) to the collection agency and credit bureaus. I received no response from the collection agency and the bureaus response was that the debt was valid. I never received anything validating the debt. On XX/XX/XXXX I mailed a pay to delete for both accounts in an effort to just get it off my credit. To date I have had no response.
09/16/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	TN 38115	Web
Debt Recovery Solutions ( XXXX XXXX XXXX ) was set up on my checking account and they continue to deduct payment out of my account even after they was paid off. I received several phone calls from Debt Recovery Solutions threating to put out a warrant for my arrest for blocking them from going in my account. As of XX/XX/XXXX, they are still reporting to the XXXX with a balance of {$350.00}. The opening date shows XX/XX/XXXX, and this is also incorrect. I do not owe this debt and I feel that this predatory company Debt Recovery Solutions is harassing me and continuing to pull my credit down for a debt that I do not owe.
03/24/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OK 749XX	Web	Servicemember
I am being billed for a XXXX debt that was paid and settled in XXXX. I have emailed and written to the company and the response I received was : '' Hello. We will certainly notate your account of your dispute, and collections will continue. '' XXXX XXXX XXXX XXXX XXXX XXXX of Client Services I have contacted the original creditor, XXXX XXXX XXXX and they confirmed that I have no outstand balance in collections. The account number provided by Debt Recovery Solutions as the original account number is not even one of their account numbers. I believe this is a fraudulent attempt to collect on a debt that doesn't exist.
09/29/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	IL 606XX	Web
A company going by name Debt Recovery Solutions , LLC has constantly harassed me about supposed medical debt in collections. These are fraudulent charges. I have disputed these charges as fraudulent on multiple occasions with all 3 credit borrows. Company keeps opening collection accounts in my name for different amounts ( 3 amounts/being charged- ( {$58.00}, {$910.00}, {$1100.00} All supposedly related to XXXX XXXX XXXX ). I have never heard of this company and never visited them. The exact same amount has also been attempted to be collected under a different company names- XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX.
11/05/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	LA 70791	Web
Attached is a letter I received in the mail dated XX/XX/18 from Debt Recovery Solutions , LLC stating I owe {$140.00} to XXXX XXXX. The account was purchased from XXXX XXXX, XXXX from XXXX XXXX. I have not taken out a loan from XXXX XXXX. I contacted Debt Recovery Solution, LLC on XX/XX/18 to let them know I have not taken out a payday loan from this company or any other company. I do not taken out pay day loans. The gentleman on the phone name XXXX was very rude and aggressive. I stated to him that I was going to file a complaint with the CFPB. He said fine but I took the loan out. I stated to him that I did not.
11/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	WA 98512	Web
I keep receiving notices from debt recovery solutions with harassing phone calls wanting to know my social security number and that I can be arrested. I have turned this spam fake company over several times for the same issues. This is not a debt that I owe and was part of a fraud. I lived in WA state for over 11 years and never received a debt from the company mentioned. I am again for the 5th time complaining about this company again. I do not want to see this fake debt on my credit report. Please act with aggressive behavior and ceased and decased this company to no longer sent me or call me regarding this debt
04/18/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34243	Web
I have a Creditor on my credit reports for the amount of {$1200.00} that I can not see that it can be mine, I have contacted the Company reporting the debt and they do not have any of my personal information on file. I contacted the company that they say I owe ( XXXX XXXX XXXX XXXX ) and they assured me they can not see anywhere that I owe them money. I contacted XXXX XXXX XXXX XXXX and gave them all my personal information to clear it up and ask if I am responsible. They told me they do not have me in their system at all.. . {$1200.00} with a date of XX/XX/2017 Thank you for your consideration in this matter,
01/16/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 93725	Web
I get calls from a firm named Debt Recovery Solutions. When I explain that I am not the person they are attempting to call ( XXXX " XXXX '' ), and ask that they quit calling they tell me that the cell phone number I have, ( XXXX ) XXXX, is not in their database. When I remind them that I am returning their phone call they ignore that and attempt to get personal information. The phone number shown as calling on my cell is ( XXXX ) XXXX. I informed them that I would be making this complaint. They told me that they are recording the call, and I replyed " I do n't care, just remove this number from your database ''.
06/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75071	Web
My information was used to obtain a loan from XXXX without my knowledge. The money was deposited to an account in the name of XXXX XXXX. I spoke and it was agreed that I was not responsible for the loan and it showed a XXXX balance on my credit report. They didn't totally remove it because I didn't want to press charges because I didn't want to ruin the man 's future. The loan was recently sold to DRS I informed DRS of the circumstance and they said they didn't care. How can possibly owe a 3rd party for a debt that was forgiven by the original creditors with no signed application and I never received the funds?
10/30/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 92691	Web
The incident happened on XX/XX/16. I was at XXXX XXXX in XXXX. XXXX XXXX XXXX XXXX has been trying to collect the amount of {$1000.00}, but I have already paid this amount to XXXX XXXX XXXX XXXX. I have the " paid in full '' receipt from them that says I paid {$1100.00}. I also have showed them my bank account that shows the money was taken out from my account. XXXX is the agency that will not allow this to be processed as paid. XXXX and XXXX both took this off my record, so I do not understand why XXXX won't. Now, I have a new debt collector called, Debt Recovery Solutions, trying to make me pay {$640.00}.
10/04/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32713	Web
The Debt Collectors contacted me by text, saying I owed {$170.00}. I called the medical service referenced in the text ( XXXX XXXX XXXX ) and confirmed my bill was paid. The medical service gave me the portal address and steps needed to pull up proof of payment. I did not contact the debt collectors because 1 ) the medical service didn't know why I was being contacted by them, and 2 ) I was afraid if I called them, they would then have further access to my phone and everything in it. The phone number of the Debt Collectors shows as XXXX The text said to call XXXX or visit www.dbtsolutions.com/make-a-payment
02/12/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 75082	Web
A debt recently appeared on my credit reports from a collection agency called Debt Recovery Solutions for {$530.00}. On the report it only says Loan By Phone. I don't know what this is for and who it is from. This is not my account I never applied for any Loan by phone. I called the collection agency and the representative told me he wasn't able to tell me the name of the company but that the loan was taken out in 2018 was all the info he had on the loan. This is not my debt, I have no idea where they got my information from and how they are able to collect on a debt and not know what company it came from.
03/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70003	Web	Older American
I took a title loan in XX/XX/XXXX and paid it on XX/XX/XXXX. About a week ago I got an alert from XXXX about being on collections. Debt Recovery Somutions DRS, XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX. I have emailed them so many times asking to remove it. I gave sent proof that the debt was paid. XXXX XXXX told me that they did not sell my account because it shows XXXX balance. DRS after seeing my documents refused to remove it. They want me to pay {$400.00} and I think this is fraud. The name of the owner is XXXX XXXX. My name is XXXX XXXX, XXXX XXXX XXXX, XXXX, La XXXX. XXXX XXXX. Reference # with DRS XXXX
03/31/2022	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	IL 60446	Web	Servicemember
I emailed XXXX XXXX multiple times requesting verification of the amount owed to XXXX. They are requesting {$510.00}, but I have an email from XXXX stating I only had one payment left of {$97.00} that was sent on XX/XX/2019. I offered a settlement prior to finding the email about only having one payment left, and then I rescinded the offer once I found the email. XXXX can not or will not tell me how they calculated the {$510.00}. He did respond recently stating his client states the email only states how many payments were left not the balance which makes no sense. The email says 1 payment left of {$97.00}.
04/17/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NC 28105	Web
I have been working extremely hard to increase my credit score. I received notification that I had XXXX new accounts placed into collections that I was never notified of before hand. I called and spoke with XXXX. I received a copy of the bills that Debt Recovery Solutions had, but not before taking a hit to my credit. I lived with my family in the same house for five years. Never did I receive anything regarding these bills. Then we move to NC for my health and all of a sudden things are hitting my credit from this company without any prior notification. This company is not operating properly under the law.
03/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33322	Web
XX/XX/2020 DEBT RECOVERY SOLUTIONS , LLC add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transfered/sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, DEBT RECOVERY SOLUTIONS , LLC has violate my rights as a consumer and i'm requesting legal action to remove this account immediately.
02/06/2023	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 91354	Web
I am filing this grievance as I monitor my credit and was alerted to a collection reporting from XXXX XXXX ( Debt Recovery Solutions , LLC ) that has dropped my scores significantly. Ive received no phone calls or communication via USPS mail to confirm this debt is mine or valid. Due to this I did not obtain the full statuatory period that would have allowed me to dispute the validity of the debt prior to it updating with the credit bureaus. If I had, the collector would have been advised that this debt is time barred and needs to be removed post haste due to misleading and erroneous collection practices.
03/09/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76549	Web
I recently received an alert regarding a collection accounts being added to my credit report from Debt Recovery Services, LLC. For medical bills. I have never received a bill for any medical bills. I have always had XXXX and/or XXXX due to being permanently XXXX. I have tried to call the phone number for the original creditor and its not in service. I do not owe anyone. I have worked hard to maintain a positive credit profile and this company has made such a negative impact to my report. This company need to cease and desist from collection activity and should be removed from my credit report immediately.
08/10/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33067	Web
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Credit Collection Practice Act ( FCRA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
05/25/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	NM 875XX	Web	Servicemember
In or on approximately 2016 t I went to XXXX XXXX XXXX got a loan. I went into store and paid off the accout with my bank which was fXXXX XXXX XXXX checking account .i notice that the company went to debit recovery solutions for collecting the pat due amount. In the month of XXXX XXXXthe have accesses my credit file 3 times in one month. I called bank to get the information with no response from them. I have a witness to this effect that we walked into XXXX XXXX XXXX and paid off the loan. From and to my understanding it is illegal to hit someone credit report more than once in any given time period
05/06/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19142	Web
I have asked in writing and repeated phone calls for Debt recovery solution to send me any and all signed documentation of any business that I have with them. I have not received any such documents to this day. I have NEVER done any business with debt recovery solutions, I do not know of any documentation with my signature of any business that I have with debt recovery solution. Debt recovery solution continues to report on my credit an open account with a balance of {$150.00}, with their disgusting business practices reporting this on my credit report is causing me emotional and financial distress.
08/10/2021	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 33311	Web
Debt Recovery Solutions is trying to collect a debt from me on behalf of XXXX XXXX. This debt is over 10 years old and they have been threatening to sue and garnish my wages for several years. They sold this debt to a different collection agency before and it was wiped off of my credit because of identity theft. They dont have the original agreement and they havent validated this debt. I would like to sue both companies because I am trying to get a new car and this collection account put my score in the 400s. This is unlawful and defamation of character. According to the FCC, this debt is invalid.
07/08/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33321	Web
This account was paid off by the insurance company XXXX. This is my second time disputing this medical account with your bureau. Back in XXXX this account was disputed Under collection agency name XXXX. Now its been resold to Debt recovery solutions. And Im not sure as to why a paid medical account. Keeps being resold and reported on my credit report. But it needs to be removed ASAP. I plan on taking legal actions against the original creditor XXXX XXXX. For not resolving this issue as promised. This is what you call billing fraud. Attempting to collect money on an account that has been paid off
01/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11233	Web
Ive noticed a collections from XXXX XXXX on my credit repost to which i have zero knowledge of. I have never used XXXX products nor their services ever! I called XXXX and they can find my name no where in the system at all and could not help me. I explained to the lady whom i spoke with that Ive never used XXXX and was never billed by version and i didnt understand why it was on my report. She said she couldnt find my name anywhere in XXXX system and that I would need to contact the debt collectors. She was no help to me at all. I disputed it on my credit report but i dont know if thats enough.
07/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 443XX	Web
On XX/XX/2021, DEBT RECOVERY SOLUTIONS added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold, and I am not responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, DEBT RECOVERY SOLUTIONS has violated my rights as a consumer, and I am requesting legal actions to remove this account immediately.
05/16/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MD 20735	Web	Servicemember
DEBT RECOVERY SOLUTIONS , LLC, XXXX XXXX, XXXX, NY XXXX : ( XXXX ) XXXX is reporting a {$0.00} balance on for an account # XXXX on my credit report that has already been paid to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, PA XXXX, XXXX for the same account. The account with Debt Recovery Solutions was disputed with XXXX as not belonging to me as the debt has been paid. The amount on the report was {$600.00} and was updated to {$0.00} but still remains on my report. It is incorrect to for the Debt Recovery account to remain on my credit file as this debt was never paid or owed to them.
11/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92410	Web
Debt Recovery Solutions runs my credit twice a year since XXXX without any legal right under Truth and Lending. Debt Recovery Solutions is a debt collection agency with no debt to collect from that I am aware of, at least not for the last 9 years, evidenced by CRAs reports. Debt Recovery Solutions is branding my credit reports as being of interest to collection agency. They have no right to run my credit for any reason. Being a victim of Financial ID theft for many of the years that this company has helped themselves to my reports, they present a clear and imminent danger to security.
11/08/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85122	Web
It is my understanding that it is illegal park ie claiming an old debt as new. Per the fair credit reporting act. This is what occurred. The original date of the debt was XX/XX/XXXX - There was an attempt to collect the debt on XX/XX/XXXX. The debt was then sold not sure of the date. Sold to Debt Recovery solutions LLC. At this time they sent a notice XX/XX/XXXX. They also claimed it as a new debt on my credit report. The notice had a discounted payment of {$760.00} in which I paid. My complaint is for the re aging of the debt, which altered my credit scores by a very large amount.
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	IL 60615	Web
Debt Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX They say that I XXXX XXXX Received a credit loan on XX/XX/2021 in the amount of {$830.00} dollars, the original creditor is XXXX XXXXXXXX XXXX XXXX. I never applied for this loan, nor have I ever receive any funds from that company. This account was fraudulently opened. Debt Recovery Solutions has applied this account onto my credit report on XXXX and XXXX. I tried to get this removed from both credit agency and they noted it as effective or correct and they refused to remove this fraudulent account from my credit record.
02/22/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	OH 44221	Web
XXXX of XXXX I supposedly took out a loan for {$1300.00} it is not my account and I tried to reach out the original debt owner and they are permanently closed. The debt hit my credit report in XX/XX/XXXX and I am just hearing about this from checking my credit report. I wanted it deleted and they are not getting me the information I need to file a police report. I file a dispute on the XXXX of XX/XX/XXXX and it came back XXXX of XXXX saying it's mine and they won't delete it. Prior to this placed on my credit report there was no communication about it sent via mail, phone, or email.
10/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95382	Web
Hello this debt does not belong to me after researching the debt I verified that the debt belongs to my ex husband & I had no knowledge of the debt nor did I give permission to open it. I have tried disputing multiple time with all XXXX credit bureaus with no success. I have never contacted the debt collector however, they continue to update the information. Which I have researched & found out that they are not allowed to change the dates of the original debt unless I have contacted them. Here is the information shown on my credit report. Please help me remove this debt. Thank you.
10/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11420	Web
I sent a debt validation letter to debt recovery solutions llc in regards to a debt that appears on my credit report. i have no knowledge of this debt and i do not owe, In return I received a letter from ( drs ) with the alleged amount owned and the original creditor name. Which is not validation i owe this debt. Fdcpa requires verification of an alleged debt. proper validation should be in the form of documentation from the original creditor, not the debt collector. Documentation can be account statements from the original creditor, payment history from the original creditor etc..
11/12/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	PA 19151	Web
Wrote letter on XXXXX-2017 to Debt Recovery Solutions that negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Advised Debt Recovery Solutions to removed incorrect information off my credit report. More importantly, Debt Recovery Solutions are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from Debt Recovery Solutions.
08/17/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AL 352XX	Web
This is in reference to closed case XXXX XXXX XXXX of Debt Solutions responded to the CFPB on XX/XX/2020 that they have instructed the credit reporting agencies to remove the account from my file and documentation of the debt would be provided. As of this date, non of the above has happened and Debt Recovery Solutions continues to report the debt as a valid debt ( XXXX XX/XX/2020, XXXX XX/XX/2020 ) I have tried on several occasions to reach out to XXXX XXXX at the number provided leaving voicemails asking for a call back however I have received no response as of this date.
10/05/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60619	Web
They've sent me a resolution agreement letter offering me to pay a lesser amount in order for them to stop harassing me ... ... .Here is the information of the offenders ; When you've fallen behind on payments and your debt is sent to a collections agency, you can end up with a Derogatory Mark on your credit report. This often causes a pretty big drop in your score. Learn more about accounts in collections. Between XX/XX/2018 and XX/XX/2018, a new account in collections was added to your report. The collection agency is DEBT REC SOL. The original creditor was XXXX XXXX XXXX.
02/26/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	WI 53225	Web
I called Debt Recovery Solutions in XX/XX/XXXX. I let them know that the debt with XXXX XXXX XXXX was paid off on XX/XX/XXXX and I have a receipt to show my balance was at XXXX. I faxed the receipt to them on XX/XX/XXXX. It has been well over a month and every time I call they say that they are still waiting a response from the company XXXX XXXX XXXX. They are still reporting this debt to the credit bureaus which is having a negative impact on my credit score. I did submit a dispute online with the credit bureau in XX/XX/XXXX. I want them to not call me and remove this debt.
04/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38016	Web	Servicemember
Debt Recovery solution sent me a letter claiming that i owed them for a debt that i didnt recognize. I sent them a certified dispute letter through XXXX, advising that the debt was not mine. I also requested validation but they failed to provide me anything. The certified letter shows that they received it on XX/XX/XXXX but they ignored my request and simply added the debt to my credit report. I spoke with someone in the company and he advised that the company didnt nt receive anything. An hour later he called me and now he said that they received it but failed to validate.
07/08/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23059	Web
I received communication from Debt Recovery Solutions stating they represent XXXX XXXX , XXXX collect for XXXX XXXX XXXX XXXX in XXXX, the statement they sent had no dates of service or what the bill was for. I spoke with XXXX XXXX XXXX XXXX and was informed that they do not sell their clients medical bills, they have an agency they use to collect for the XXXX XXXX XXXX, XXXX in XXXX, VA. XXXX XXXX further informed me all bills I had with them were paid in full. I have sent a letter to Debt Recovery Solutions , LLC as well. The letter is attached that I sent to them.
01/08/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33196	Web
On XX/XX/XXXX20 I sent a letter to DEBT RECOVERY SOLUTIONS about two accounts that were showing on my credit report that I did not recognize. Both accounts have a date opened of XX/XX/XXXX2020 one with a charge of {$690.00} and the other being a charge of {$1000.00}. Since then I have not gotten a response and also sent a follow up letter to them on XX/XX/XXXX20 and still have gotten no response in regard to what this is or what it is for. I also reached out to XXXX about this debt on XX/XX/XXXX20 and a follow up on XX/XX/XXXX20 and they have also not responded.
05/09/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 320XX	Web
This Co. keeps calling me on different phone numbers XXXX to XXXX times a day looking for my sister XXXX XXXX and I have asked them XXXX times to stop calling me and that she does not live here and they say the will but keep on calling over and over again they like to call from a new number and say that they have never called before but caller ID says different and there is XXXX different people that is on the phone when they call I have a phone for my own purpose not to get harassing calls for my sister and they are very rude when you try to talk to them about this
05/04/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33617	Web
HELLO TO WHOM IT MAY CONCERN I AM CONTACTING YOU ABOUT DEBT RECOVERY SOLUTIONS BETTER KNOWN AS XXXX XXXX XXXX XXXX THEY ARE CONSTANTLY CALLING AFTER HOURS EVERYDAY AND ALSO AFTER HOURS CONSTANTLY BREATHING ON THE PHONE DEMANDING PAYMENT OR CREDIT WILL BE DAMAGED THEY CALL FROM DIFFERENT AREA CODES FOR ME TO ANSWER AT THE TIME I WAS COVERED WITH MEDICAID AND THEY STILL PUT IT ON ALL CREDIT BUREAS WHY I DON'T KNOW I HAVE DISPUTED IT THROUGH ALL CREDIT BUREAS AND THEY STILL KEEP HITTING MY CREDIT REPORTS UNDER DIFFERENT NAMES AND THEY JUST HIT MY CREDIT ON XX/XX/2022.
10/29/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78745	Web
I have tried to reach out to Debt Recovery Solutions LLC with a HIPPA compliant regarding a debt they say i owe and asked to validate. I sent a validation letter also asking for the proof of my written consent that i gave permission to XXXX XXXX XXXX XXXX releasing my medical information to Debt recovery Solutions LLC. I sent a certified letter back on XX/XX/2018 and have not received anything back as of XX/XX/2018. As in the FDCPA it has been more then 30 days and i am seeking this so called debt to be removed from all 3 credit agencies due to no response back.
07/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76227	Web	Servicemember
I received a credit reporting alert that a company Debt Recovery Solutions is reporting to credit bureaus ( XXXX, XXXX, XXXX ) a collections/delinquent account for non-payment. This is a fraudulent attempt to collect a debt I NEVER owed. This has negatively impacted my credit score. Please take action against this company. I have already contacted XXXX, XXXX and XXXX to report this fraudulent activity. I have also escalated this matter to my legal team and State 's Attorney. Please instruct this company to delete this fraudulent account from my credit file ASAP.
08/24/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MO 63108	Web
I received a letter from Debt Recovery Solutions , LLC regarding {$3500.00} owed to XXXX XXXX, XXXX. This is not a company I have any dealings with. I do not know what the amount owed is for or could be for. I have been given 30 days to respond before further escalation of debt collection. This is a false complaint of money owed. I would like to report this company for fraud or false claims. False claim by : Debt Recovery Solutions , LLC XXXX XXXX XXXX XXXX, NY XXXX Reference # XXXX to be collected from : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX
09/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 152XX	Web
On XXXX XXXX Debt Recovery Solution Attached wrongfully debt on my credit report stating that I owe this bills ( XXXX ) from XX/XX/XXXX from a hospital XXXX ( XXXX XXXX XXXX XXXX. I paid this bill back in XXXX in which I have attached the document to this complaint. Now I contact DRS Recovery Solution multiple times ( XXXX ) I even ashed for there email and faxed number and I keep getting the runaround like wrong email and faxed number no help. So this is why am filing a complaint on this company. This bill was paid and I have proof. Thank you XXXX XXXX
04/08/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MD XXXXX	Web
My daughter was taken to the ER by her father. I was never at the hospital. I have received numerous calls regarding a {$240.00} debt. I explained to each collection agency that called that I was not responsible as I was not the adult that accompanied child for visit. I requested validation of debt with my signature. I never received it. I checked my monitoring service and found an entry to my credit report for the debt I explained was not mine. It also states I opened this debt in XXXX. My child went with her father, XXXX XXXX, to the ER in XX/XX/XXXX.
03/12/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33351	Web
I have sent numerous debt validation notices and never received a response back from the creditor. As per the ( FCRA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FCRA. However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
10/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA XXXXX	Web
XXXX states I opened an account for a landline in my home but we already had a landline. I asked them to send me papers showing where I had requested this line and they never did, they said someone from my house requested the line. I asked them to remove the incorrect information from my credit report, now they have sold the account to Debt Recovery Solutions. Acct # XXXX. {$98.00} This information is affecting my security clearance with my job and I need proof that I requested this line be installed or I need them to remove it from my credit report.
02/07/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 193XX	Web
I paid XXXX {$93.00} to settle this debt in XXXX 2013 and provided the collection agency with proof of the check that XXXX cashed on XXXX/XXXX/2013. XXXX agreed to a pay and delete from credit report, but it looks like the debt was purchased after the check was cashed by XXXX. I gave the company notice that this debt was paid in full and they still have NOT removed this from my credit repot at all XXXX agencies. This is illegal for them to try to collect a debt that has been paid, and furthermore to report negative information on my credit report.
09/30/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IN 46254	Web	Servicemember
Debt Recovery Solutions LLC. XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX Company Listed above recently listed debt collection account demanding {$480.00}. The entry included the supposed original creditor as " XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX Contacted company above to find ways to resolve problem relating to negative entry on credit report. Attendant searched company records using SSN and listed contact number. The attendant was unable to find any record supporting " Debt Recovery Solutions LLC. '' claim demanding {$480.00}.
10/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94544	Web
There are two accounts that are not mine and do not belong to me and Is irrelevant. I am a victim of the XXXX XXXX XXXXXXXX XXXX and is a victim of IDENTITY THEFT. Please have these accounts removed from my credit report asap, I am in the home buying process and these XXXX accounts are not relevant to me so they need to be removed. XXXX, XXXX XXXX {$710.00} ( they are not even furnishing the complete information ) XXXX Original creditor : XXXX XXXX XXXXXXXX {$760.00} XXXX incomplete reporting Please remove these accounts from my credit report
12/07/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60164	Web
I recently checked my credit report and noticed Debt Recovery Solutions , LLC reporting a negative mark. I called them and first representative that answered was rude and hung phone up on me. I then called back and spoke with a XXXX, who had no employer ID number, and after explaining to her that this is n't my account and most likely is a fraudulent account, she said that they will remove this from my credit report. I am writing this complaint to make sure she does what is suppose to be done and remove this negative mark from my credit report.
08/27/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 23235	Web
The company : DEBT RECOVERY SOLUTIONS, is reporting to Consumer Credit Agencies a debt of {$780.00}. The only information provided is " Original Lender : XXXX XXXX XXXX XXXX ''. There is no information to prove that this debt is valid, or if it can be reported, and I have no information regarding this debt. There is no information about when this debt was originally owed, or placed for collection, and they have provided no information to support it. The information of the company is : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
03/14/2022	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 759XX	Web
In accordance with the Fair Credit Reporting act DRS # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681s2, a furnisher has a duty to provide accurate information to CRAs and a duty to conduct an investigation into the completeness and accuracy of the information furnished. An individual may assert a private cause of action for violations 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
11/02/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11209	Web
On XXXX XXXX, XXXX somebody fraudulently created a medical bill of {$140.00} for I do not know what. Its almost impossible to see where the bill is coming from XXXX XXXX XXXX XXXX XXXXXXXX I did not make that charge during that time I was XXXX someone has stolen my identity. On XXXX XXXX XXXX it became Debt Recovery Solutions LLC. For 8 months this debt has been owed and it is highly impacting my credit score of XXXX. I recently received a hard inquiry from XXXX XXXX credit card application mostly due to this fraudulent debt collection.
08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94520	Web
I received an alert that DRS ( Debt Recovery Solution ) had posted a derogatory mark on my credit for collections on a loan for {$3700.00}. I reviewed the account information and I have never heard of DRS or the initial company, XXXX XXXX XXXX The account is in my maiden name which changed in 2019 and my previous employer had a data breach that released my social security number and I believe this account was fraudulently opened in my name. I tried to dispute this report with XXXX and XXXX. XXXX approved the dispute but XXXX did not.
11/07/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85022	Web	Older American, Servicemember
I am still getting phone calls, letters on a debt that is not mine. If you review all the CFPB case history, this is an uncollected debt, not mine, this company, XXXX XXXX XXXX has not been a viable business for many years. They are still reporting this debt on my credit report, many times they have said this case is closed via CFPB and allegedly it was and they keep attempting to sell this debt for collections. I want this stopped and removed on my credit bureaus on all three bureaus. You last case number that was closed was XXXX
08/29/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 242XX	Web
They contacted me first in a bill they had purchased and bought. And it was an old bill from a hospital back in 2017. The statute of limitations is over for the amount owed. Plus, i did not go see these people, did not sign anything or agreement with these debt collectors if i did show me proof. And they sent this amount they claim i owe to the credit Burroughs, trying to discredit me, claiming i didn't pay my debt to them. I think debt collectors should nit be allowed to collect on owed debts that they can not prove was not paid.
05/13/2016	Yes	Debt collection Medical	False statements or representation Indicated committed crime not paying	WA 98512	Web
2 days ago my wife and i received phone calls from private number stating they have paperwork to deliver with lawsuits, then I received a notice in the mail from Debt Recovery Solutions stating I owe XXXX from a debt that is over 14 years ago that was not even mine. It was a identity theft. I called the number on the bottom of the paperwork XXXX which is a robo number stating I could win a XXXX dollar gift card to merchants like XXXX. I did not speak with anyone. This is a scam company and please review the letter I have attached.
11/18/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	VA 20147	Web
4 times have disputed inaccurate reporting of information to my Credit Bureau, never received any notification or documentation that a medical debt for an insured child was in collections from XXXX by DRS who is the one trying to collect the alleged amount owed of {$680.00}. The Collections agency is reporting that I opened an account in XXXX of XXXX and have been late since which has drastically effected my ability to obtain credit and falsely reported it does not report it is a medical debt and shows as an installment loan.
04/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48219	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX Debt Recovery Solutions , LLC XXXX XXXX XXXX XXXX XXXX NY XXXX To whom it may concern : I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please see items listed below : Debt Recovery Solutions , LLC Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately. Sincerely, XXXX XXXX
06/06/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30319	Web
On XX/XX/2018, I received a debt collection letter from XXXX XXXX XXXX DBA Debt Recovery Solutions in XXXX, NY attempting to collect a {$290.00} debt that is clearly not mine. I contacted the company explaining that the debt is not mine, that I am not related to the debtor or beneficiary of the debt, and that I did not reside in the state where the debt was incurred at the time it was incurred. XXXX responded with a copy of the original invoice, showing the debtor is definitively not me, yet still demanding immediate payment.
07/05/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77584	Web
I had a XXXX XXXX bill that was settled and paid through Debt Recovery Solutions. Yet they refuse to send me acknowledgement that the debt was paid, and fail to report it as paid through the 3 credit bureaus. I paid the first installment on XX/XX/XXXX and the final installment on XX/XX/XXXX. I have called several times they acknowledge the debt is paid and I am not liable for the account, failed to send me notification through email or regular mail. Also making false statements to XXXX and XXXX saying I still owe.
02/15/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	IL 61350	Web
I settled a debt with XXXX XXXX on XX/XX/2019, via lawsuit against them, in the principal sum of {$380.00}. XXXX XXXX has now sold the debt to Debt Recovery Solutions. I found that they are now reporting this on all three of my credit reports. XXXX XXXX are breaking the law by selling this debt. XXXX XXXX XXXX is breaking the law by trying to collect this debt and now illegally reporting it on my credit reports. XXXX, XXXX and XXXX are also breaking Federal Laws by reporting incorrect information on my credit reports.
06/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77005	Web
I mailed Debt Recovery Solutions an initial letter disputing the debt and asking for them to validate said debt on XX/XX/23 that was delivered on XX/XX/23 with certified tracking # XXXX. Debt Recovery Solutions has failed to respond, I am now sending my Fee schedule, Cease and Desist letter, notice of forced hire, and a notice of default with an opportunity to cure. I will next be sending a secondary notice of default and bill of particulars if they fail to procure this matter accordingly within the time frame allotted.
08/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43068	Web
This is my 5th time disputing an account on my report that does not belong to me and is holding up my process of purchasing a home. Account im disputing : DEBT RECOVERY SOLUTIONS # XXXX. They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.
08/14/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 770XX	Web
I went into XXXX XXXX today to check my credit report and noticed I had a debt from Debt Recovery Solutions for {$150.00} from my understanding this debt came from a pay day loan. I have never ever used a payday for money especially for a {$150.00} I have an husband and family members I could have gotten a {$150.00} from. I had this problem once before someone had use my information for cell phones and cable company. I am pretty my information was used but it wasn't me and this need to be removed off my credit report.
04/29/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	DC 20019	Web
While reviewing my credit report I noticed I have duplicate debt reporting twice on my report from different creditors for the same amount for a cable bill. One from the original creditor the other from a debt buyer collection agency. W hich means the original creditor has written off the debt and has been paid. This is effecting my credit and payment history. The XXXX states charged off on my report while Debt Soultions is reporting the wrong date opened, which is n't matching the dat e of 1st delinquent payment.
12/12/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 751XX	Web
DEBT RECOVERY SOLUTIONS : Why does this name not surprise me to see them on my credit report once again. I have fought with them and bickered with these rude people everytime I have tried to call them. I have explained to them this debt is not mine, I do not have knowledge of this debt, But these people can not seem to get it through their heads. It seems that if this mess can not be resolved then I have no choice but to involve this matter in litigation and tie this matter up in court for the foreseeable future.
10/03/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	RI 02893	Web	Older American
There was a loan taken out in my name in XXXX, XXXX using an old address. At that time I was living in XXXX, California when this occurred. I had not lived at that address since XXXX. Furthermore, it looks like the loan was taken out electronically, and an IP search showed that it originated in XXXX XXXX, California. I have never lived in XXXX XXXX, CA. The company had been sending me emails, which I thought were phishing emails. After, the legal service I hired sent a letter to them, I was sent a collection letter.
10/25/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MN 55443	Web
This collection agency is reporting an account that was once on my credit report, but was not validated and then removed from the report. I have asked for validation for some time and they have never sent anything. I also believe that this account is very old and is not verified as mine, I requested the respective documents and contract, and they have not responded, they just reported it and now they are using this collection agency in order to collect something that they never investigated and was not validated.
08/17/2020	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 Their investigation did not fix an error on your report	FL XXXXX	Web
I have a loan with XXXX XXXX, DEBT REC SOL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX FLORIDA ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, DEBT REC SOL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX FLORIDA ) with no successful resolution. There was definitely an error on their part.
08/09/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	CA 95829	Web
i have a payday loan which went into collection agency XXXX,XXXX XXXX XXXX, XXXX , XXXX XXXX, acc # XXXX, monarch file # XXXX.orignal debtor was XXXX XXXX, XXXX check cashing. i settled this debt with them on XXXX/XXXX/2011 and they send me settlement letter. now another debt collection agency debt recovery solutions, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, acc # XXXX is trying to collect same debt from me.they placed the debt on my credit file. i tried to reach out to them but no solution.please help. thanks
11/15/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	VA 23188	Web
XXXX illegally approved me for a payday loan. Virginia law prohibits more than one payday loan at a time. Virginia law also states that illegal loans do not need to be repaid. Debt Recovery Solutions has placed this account as a collection on my credit report. This company never contacted me prior to doing this to give me the required 30 day debt collection notice. Despite XXXX having been told on several occasions that this debt can not be recovered, they continue to submit this to collection companies.
08/16/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 070XX	Web
I am questioning account number XXXX with Debt Recovery Solutions by reason of I have sent several dispute letters to the credit reporting agencies and it comes back verified every single time. They are demanding that I owe {$820.00} to XXXX on my credit report. I have contacted Debt Recovery Solutions to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	KY 40701	Web	Servicemember
This account was created from drs it shows up on my credit as the exact same amount billed on the same day two times. Somehow they have put a duplicate charge on my credit report for the same date time and amount. I have disputed this and they sold off the account numerous times then added the two together and took XXXX dollar off after I disputed the double charge to get around what they are doing. They keep reposting this incorrect information on my credit report by selling it every time I dispute it.
08/13/2019	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	KY 421XX	Web
They have contacted me several times over the same debt that they have sold to various companies. I asked them to stop calling me on my cell phone and they have called my work also even after i told them to stop. This company has reported the same debt on my credit report 2 times for the same bill and will not remove them. Company : Debt Recovery Solutions Amount : XXXX Original Creditor : XXXX XXXX XXXX XXXX. I tried to make payment arrangements with the original creditor and they refused payments.
11/08/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32609	Web
I had submitted a complaint ( Case number : XXXX XXXX about the Debt Recovery Solutions debt I did not owe. They responded and sent a letter through CFPB that they will delete it and send it back to the original collector XXXX XXXX XXXX. My reports updated on XX/XX/XXXX, and I found out that they deleted the file from XXXX and readded it to my XXXX report under the same name Debt Recovery Solutions and XXXX XXXX XXXX. They are the same company and they 're just jumping from report to report with this.
05/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 956XX	Web
I am being hounded to pay off a collections account that was already dealt with over 5 years ago. It is so far in the past that I don't understand how they were able to sell this account AGAIN. I already paid the original debtor, waited for it to disappear from my credit report, and now a new company is saying they own this debt, and it ravaged my credit score once again. This is outrageous and I need help getting this off of my record for good, so people stop buying this old settled debt. Thank you.
07/08/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Information belongs to someone else	MI 48213	Web
Your company is reporting an account on my credit report inaccurately. I have never opened or given permission to anyone to do so. How did you obtain my personal information? It Is Violating, Intrusive and Illegal. These accounts were opened fraudulently, I'm very upset that you have included this inaccurate information on my credit report. I have wrongfully been denied credit recently due to the intentional inaccurate information that has caused me a world of trouble financially and emotionally.
06/16/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NJ 07036	Web
I called the company a while back and asked for a detailed billing of what was being owed due to contacting XXXX XXXX known as XXXX XXXX for any unpaid bills I am unaware of. XXXX gave me an amount of {$220.00} thats as only owed but debt collector is saying its {$730.00}. I told them I refuse to pay till they can send me proof of where this amount came from. Then they tried to settle me for {$500.00}, but still ignored what I was asking for on top of being disrespectful and rude and nasty with me.
12/28/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77389	Web	Servicemember
I reached out to Debt Recovery solutions on a derogatory collection on my credit. I was never sent any notice to pay, and I do not remember ever using the original creditor. I disputed with the XXXX XXXX and they say it is valid. I then offered DRS to pay in full the amount owed for a deletion of this from my credit report on the grounds that I never received notice, they declined. All I want to do is pay this in full now that Im aware and this be removed from my credit. The outstanding is {$73.00}
03/03/2022	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	IN 47802	Web
A collection account on my credit report shows an opened date of XX/XX/2021. This is inaccurate as the debt is from XXXX. Debt Recovery Solutions , LLC is fraudulently and illegally falsifying the open date of the account in order to make it appear as a new collection. This is not the first time they have pulled this scam. Approximately every 6 months they will remove the account and reopen it with a new date in order to have the maximum impact on my credit score. This is illegal account re-aging.
07/21/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AL 352XX	Web
The company listed an account with the credit bureaus showing an open date of XX/XX/2020 and a collection balance of {$2200.00} I have not received any notification or communication with this company to inform me of who this debt is with or the option to dispute the validity of the debt. I have filed a dispute with the credit bureau however the collection company has " certified '' to the bureau that the debt is legitimate. As of this date, I still have not received anything from the company.
04/13/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AR 719XX	Web
Debt Recovery Solutions XXXX XXXX XXXX XXXXXXXX NY, XXXX XXXX I filed a dispute with the above listed company asking for a copy of a signed HIPPA form by me. If they couldn't produce it they would be in direct violation. They have not responded or sent me a copy. They reported a duplicate collection on my credit report of {$220.00}. Rather than simply responding they intentionally reported a duplicate collection on my report to further prevent me from getting funding. That is a clear violation.
05/30/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 45042	Web
Debt recovery solutions is attempting to collect a a debt in the amount of {$260.00} that I do not owe because I had insurance through the state ( XXXX ) which covered 100 % of my medical expenses which i will prove by attaching a copy of my medical Insurance card. I have repeatedly tried to tell the companies this but " XXXX XXXX '' merely sold this debt to " debt recovery solutions '' in an attempt to dodge my efforts to have this item removed from my credit report. It is damaging my credit.
02/04/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	WY 82801	Web
On XX/XX/ a letter was sent to Debt Recovery Solutions, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX to attempt to validate a debt they have on my credit report in the amount of {$680.00} ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX ). The return receipt was signed for by what looks like a XXXX on XX/XX/ and the company has refused to validate the debt or send any information about the debt. This debt under law should be removed immediately from my credit report for their failure to follow the law.
05/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 270XX	Web
DEBT RECOVERY SOLUTIONS XX/XX/2022 {$580.00} According to 15 USC 1681n ( a ) ( 1 ) 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} ; I want one thousand per violation and account removed from all credit reports. The Credit bureaus stated my account was properly investigated.but how is this possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate.
03/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PR 00921	Web
I receive a letter from Debt Recovery collecting checks from a fraudulent checking account that was open. I wrote to them and sent them aj complaint that I made with Federal Trade Commission Identity Theft. gov. There reply was the following that the debt was validated by their client and If they did not heard from me in 30 days they will continue with the collection. This debt is not mine, I have told them that is is a fraudulent and they continue the harassment by mail and also by phone.
07/14/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19140	Web
My credit report, through XXXX, suddenly shows an amount of {$51.00} that was originally owed to XXXX. ( This is false and verified as false with XXXX ) It shows a balance date of XXXX 2016. It states that the status of this " account '' is in collections and further shows the past due amount as {$0.00}. This false report is negatively impacting my credit report. The company attached to this false report is : Debt Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX, NY-XXXX ( XXXX ) XXXX
03/22/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 19320	Web
Upon reviewing my XXXX and XXXX Credit reports, there are XXXX XXXX accounts that have been placed Debt Recovery Solutions for collection. Both of these accounts have an open date of XXXX XXXX, 2014, XXXX with a balance of {$1300.00} and the other with a reporting balance of {$780.00}. These accounts I am unaware of and they do not belong to me. Im also uncertain of how XXXX extremely high balanced accounts can be opened on the same day? I never signed or authorized any services from XXXX.
05/16/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 480XX	Web	Servicemember
I received a debt collection alert on my credit report for an alleged debt of {$160.00} placed on my credit report by a company called XXXX XXXX XXXX. I have no knowledge of this debt and I have never received any notice of this debt or any chant to dispute the debt which is a violation of my FCRA rights. I have no knowledge of this debt and there isn't even an account number for the debt for me to call and ask for information about it. This debt is not mine and I have no knowledge of it.
06/06/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 162XX	Web
Yesterday ( XX/XX/22 ), I received a notification from XXXX XXXX that a new debt was added to my line of credit on XX/XX/22 in the amount of {$890.00} by Debt Recovery Solutions ( account was opened XX/XX/22, but not added to my credit until XX/XX/22 ). I have not received any calls or letters attempting to collect a debt, let alone any notice it would be sent to collections. My XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) has also stated they have not received any bills that they havent covered.
03/04/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34653	Web	Older American
MY NAME IS XXXX XXXX. FIFTEEN + YEARS AGO I HAD A XXXX XXXX IN XXXX, FL. THIS IS NOT MY DEBT ANY LONGER AS IT WELL EXCEEDS THE 7-10 YRS THAT I THOUGHT A DEBT COULD BE COLLECTED. THEY KEEP CHANGING DATES I.E. DATE OPENED AND NOW HAVE IT IN XX/XX/2018 SAYING THIS WAS OPENED..NOT TRUE. THEY KEEP SELLING IT TO OTHER COLLECTORS AND IT NEVER STOPS. I FILE CONTINUOUS CREDIT DISPUTES AND THEY DISAPPEAR FOR A WHILE THEN ARE BACK. THIS IS NOT FAIR AND COULD GO ON FOREVER BASED ON THEIR ACTIONS.
11/08/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33484	Web
DRS IS A MEDICAL COLLECTION COMPANY WHO UNLICENSED UNREGISTERED IN FLORDA AND HAS NOT VALIDATED this collection which I requested THROUGH XXXX XXXX OR XXXX. MAILED A CEASE AND DESIST LETTER TO DRS AND they RECEIVED AND SIGNED ON TRACKING by USPS ON XX/XX/2022. Also u see Florida state statues and constitution XXXX. There are rules and regulations for out of state collection agency. This DRS HAS NOT VALIDATED DEBT AND ARE POSSIBLE VIOLATION OF STATE REQUIREMENTS TO COLLECT IN FLORIDA.
07/15/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 28213	Web
As of XX/XX/2022, I received a notification on my credit report from Debt Recovery Solutions in the amount of {$3800.00} in which I do not owe. Nor was I ever sent any specific written documentation or contacted verifying this debt. It caused my credit score to drop XXXX points and the case was opened on XX/XX/2022 via XXXX. I would like to have this error removed from my account. I will be sending them a written dispute letter certified mail and also to the credit reporting agencies.
08/29/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	MD 20912	Web
I have received numerous letters of debit collection from XXXX XXXX regarding an alleged debt owed to XXXX XXXX XXXX. I have never opened an account with XXXX XXXX XXXX, and when I requested a letter stating such i was informed that the account had been closed. I further requested a letter stating such and was informed that XXXX would not forward a letter to me the consumer. So, i further asked if XXXX would inform the credit agencies and the representative for XXXX hang up the phonw.
07/25/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28227	Web
Debt Recovery Solutions state that I owe {$1100.00} for a emergency bill in XXXX XXXX, Nevada. This bill is from a physician. This debt is not valid and does not belong to me. The bill does not have my correct date of birth. The bill also shows that I was uninsured at the time ; however, that is false. I can provide my health insurance information at the time. I have been attempting to have this debt validated by Debt Recovery Solutions for four months and they have yet to validate.
04/14/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33617	Web
I had medicaid and they keep sending me letters and i called and told them i had medicaid and XXXX XXXX XXXX any time i went to dr or hospital, so maybe someone else used my identity and didnt have my medicaid info, ,and i am getting charged,,, ,my sister and i were close in age she is deceased now but had to go to hospital alot ... .she died from XXXX last year but she may have went as me,,, not saying for sure but i should not be responsible when i had gov insurance to pay it,,,,,
10/30/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33162	Web
After receiving an alert from XXXX regarding a collection on my credit report from DRS in early XXXX, I haven't received any notice directly from DRS stating why I owe the debt nor providing me the adequate channel to respond to verify the debt. After overlooking the information on my credit report. I sent a debt validation/ verification in XXXX via certified mail which was effectively delivered to a representative at the address at XXXXXXXX XXXX on XX/XX/2023 in XXXX XXXX NY XXXX.
08/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94578	Web
Debt Recovery Solutions is illegally reporting false information for a collection with XXXX XXXX for {$310.00} they sent me a collection letter that states the account was opened on XX/XX/XXXX but reported to the three credit bureaus that I opened this account on XX/XX/XXXX this is also known as account re-aging which is highly against the law and now they need to cease all collection of this account and this needs to be removed from all three credit bureaus immediately under FCRA.
11/24/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 150XX	Web
While living with my mother in she opened an account on XX/XX/XXXX for services from XXXX for the apartment, I did not know at the time but she used my name for the account. The last payment was made in XX/XX/XXXX by her. According to the credit agency the last bill was sent on XX/XX/XXXX. The total amount for the bill is {$1100.00}. In XX/XX/XXXX we both moved out to separate locations. I do not know if she cancelled the service or not as I was not aware that it was in my name.
10/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 935XX	Web
I checked my credit report and saw something in Collections that said debt recovery solutions. I have never had any thing in collections. The amount says {$310.00} and that it was opened this year. I never pulled out a loan this year, nor have I even been able to get accepted for one. Someone must have stole my information online which is weird because I cant even get approved for a loan with how low my score is. I have no idea how this happened. Its fraudulent. I never opened it.
09/30/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 371XX	Web
I went to the ER in XX/XX/19 after I was injured at work I had my XXXX XXXX up where it was XXXX XXXX after a fall at work. XXXX the company that owns XXXX XXXX was who I was working for workman 's comp is responsible for 100 % of this bill.XXXX claims management services was who handled my claim.debt recovery solutions is the company that is trying to get me to pay the bill.the debt solutions has all my info to call XXXX and get the claim # and such. They have my ssn and dob.
05/21/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MD 20721	Web	Servicemember
My XXXX account was included in a bankruptcy filing in 2010 which was discharged in that same year. I did not respond to correspondence from the debt collector about the allege debt for the reason mention above. The collection company should had performed ( due diligence/requested full disclosure of account status ) before acquiring this debt from XXXX. I 'm complaining about it because now its erroneously being reported to the credit bureau and adversely affecting my rating.
08/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33067	Web
Received a notice from Debt Recovery Solutions LLC stating I am in collections for not paying a personal loan taken out for {$1000.00} from XXXX XXXX XXXX. The balance with interest is reflected as {$1500.00} and was taken out XX/XX/2020 This is not a loan I had ever taken and could easily be validated if they check the account which the funds were placed in " XXXX XXXX account # XXXX The Debt Recovery Solutions account # for this case is XXXX and they can be reached at XXXX
05/17/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 43228	Web
As of XX/XX/2020 a medical debt of {$870.00} appeared on my credit report. I had no idea what this was pertaining to so I contacted the agency. I was advised the incorrect address was on file and since I did not receive bill notification the reporting would be removed and a payment plan could be set up. The account is still being reported causing a tremendous decrease in my score. Im willing to settle or pay in full with arrangements with a promise of credit report deletion.
09/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 14150	Web
I seem to have a bill in collections for an account not owed. A few years ago I ordered verizon highspeed and prepaid over XXXX and cancelled within days. and they sent me back a check for XXXX. After some time I noticed a bill for XXXX in collection with DEBT RECOVERY SOLUTIONSLLC. I do not beleive I owe this and company will not discuss matter with me. Verizon said they sold account and have no further info.Please remove from all my credit accounts.Again I do not owe this.
11/27/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30024	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 this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
07/22/2022	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AL 36867	Web
Debt recovery solutions XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Bought a debit from XXXX XXXX in the amount of {$320.00} It has been reported to all three credit bureaus that this account was opened on XX/XX/XXXX, and is now in collections. It has an estimated removal date of XX/XX/XXXX. This account has been re-aged. I attempted to dispute this information with all three credit bureaus in XXXX of this year. However, all of them returned my dispute as verified.
09/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33936	Web
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
04/04/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	RI 02908	Web
On XX/XX/XXXX my XXXX account was sent to collection for nonpayment. It was eventually settled and the account was paid for less than the full balance to Debt Recovery Solutions LLC. Debt Recovery Solutions LLC. stated and posted the date of the debt as XX/XX/XXXX, this is incorrect. The date of the original debt is XX/XX/XXXX. It is still on my credit report as a result of this error and it should be removed from my credit report as it is beyond the reporting time period.
09/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY XXXXX	Web
In accordance with the fair credit reporting DEBT RECOVERY # XXXX, has violated my rights. 15 USC 1681 section 602 States I have a right to privacy, 15 USC 1681 604 A Section 2. it's also states a can't reporting agency CAN NOT furnish a account without my written instructions. 15 USC 1666B : a company can not sell or buy any debt from a third party and try to collect nor report fraudulent information, also I need anything my signature was signed to obtain any information
11/28/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	MN 55433	Web
I received a letter stating I owed money to a debt collector, and I know I never applied for the loan they say I owe. I have asked them to send me the information in regards to where it was sent, and they said they would, but I have never received any information. I now receive numerous phone calls stating that if I can get the information on a previous identity theft, they will reduce the cost. They are not willing to send me any information on where this money was sent.
07/07/2017	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	GA 31313	Web	Servicemember
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$720.00} with XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
08/27/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 76021	Web
This past week I check my credit and found that this company : Debt Recovery Solutions , LLC - put that I owe something from XX/XX/XXXX, this is not true when I start looking for information said that was from XXXX XXXX and I look back and I paid off that account and don't owe anything.. that was in XXXX. I did not get any communication, no mail no calls, anything.. when I try to call nobody answers, and when I check the phone number in the credit bureau did not work.
12/18/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77471	Web
I paid this {$110.00} debt on XX/XX/XXXX to XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX ) for a bill I owed for XX/XX/XXXX. However upon checking my credit report I noticed that Debt Recovery Services has listed a derogatory debt for the same amount from this above creditor. I spoke with DRS and they stated that they just trying to collect the debt, they don't have anything to do with the other company. I have never received any communication from DRS in regards to this debt.
09/15/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	VA 23225	Web
This account has been removed several times but keep reappearing. They are reporting inaccurate information on all three bureaus. XXXX is different on two bureaus. Labeled as a factoring company on one bureau. One account marked closed and others opened. If this account is verified information should be alike across all bureaus. This account has bought me financial distress because of their negligence. I am asking to cease all collections and removal from all bureaus.
03/09/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	FL 33908	Web
I saw a collection on all 3 credit bureaus on my report from DEBT RECOVERY SOLUTIONS for {$580.00}. Acct number XXXX. THIS IS NOT MY DEBT! I did not get a PAYDAY LOAN FROM XXXX XXXX. I never received correspondence from this company stating that, I owed the money, or was aware of this debt. This is illegal and unethical practice. A company should not have the authority to place a collection/debt on a consumers credit file without correspondence or proof of debt owed.
12/08/2018	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	GA 301XX	Web
XXXX has been non-compliant with removing the unverified account DEBT RECOVERY SOLUTIONS , LLC Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DEBT RECOVERY SOLUTIONS , LLC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
12/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35758	Web
XXXX XXXX placed an inaccurate collection from XXXX XXXX on my XXXX credit report. This is not my account. I do not owe XXXX XXXX nor opened an account on XX/XX/2021. I recently started a mortgage pre-approval process. I applied with XXXX XXXX XXXX. After applying with these companies, this collection appeared on my XXXX credit report. While researching XXXX, the reviews stated this company is a scam. The collection needs to removed immediately. This is not my debt!
06/02/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web	Servicemember
Debt Recovery Solutions gets information from other company 's records that are no longer in use, records that have been charged in bankruptcy or debts that do not exist. They specifically prey on minorities and women, and I am both, a WOMAN and XXXX, they prey on this demographic because they feel we can easily be intimidated into paying money. I do not owe the debt and desire them to release me from it and to stop harassing me and remove it from my credit report.
03/01/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 90631	Web
This reported debt has been removed from my credit report numerous times as it has been found to not be my account. This company must have purchased the debt again and are refusing to provide me proof that this debt is mine. I have never been to this medical facility. I have disputed this through the credit bureaus but they have failed to provide me that proof and only list it as verified. This account is not mine and I have no contract with debt recovery solutions
06/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33029	Web
Debt recovery solution last reported on XX/XX/XXXX {$1900.00} and the second {$910.00} on XXXX XXXX XXXX XXXX XXXX under the law section 609 A Federal Law I have the right to see both of these account listed below with my signature when it was open and proof or it must be removed this account under my name in 30 days thanks under section XXXX XXXX -A Delete all information which can not be verified thanks in advance XXXX XXXX XX/XX/XXXX / ss last four # XXXX
04/02/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37221	Web
I am a victim of identity theft. Someone used my information and ran up medical debt in my name. DEBT RECOVERY SOLUTIONS recently placed a collection account for an original creditor named XXXX XXXX XXXX XXXX on my credit report. This debt is not mine. I have never been to XXXX XXXX for any purpose ever. I have contacted XXXX XXXX and informed them that this debt is not mine and was informed that I would need to contact this debt collector and let them know.
05/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 10550	Web
This collection agency is unable to determine the validity of this debt. contacted original creditor to no avail and the collection agency ( Debt Recovery Solutions ) can not provide any proof as to the validity of this debt. I have no idea what this debt is. this debt has also been disputed several times with all XXXX bureaus to no avail. this tells me that the reporting agency is able to provide some sort of validity to which i would like to review myself.
08/10/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 33401	Web
Debt Recovery Solutions is trying to scam {$590.00} out of me saying that it is owed from a company called XXXX. They are saying that I am past due on a loan from XX/XX/2021. I have not used XXXX in over 7 years! I have asked them to provide me with paperwork showing the loan and me signing off on the loan, then they proceeded to hang up on me. This is completely baseless and insane that a company can act this way and affect my credit with this nonsense!
02/12/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 21239	Web
I RECEIVED NOTICE OF A DEBT ABOUT 8 YEARS OLD I DISPUTED THIS DEBT IN WHICH IT WAS FOUND TO NOT BE MY DEBT. IN ADDITION, IT WAS REMOVED FROM MY CREDIT REPORTS. HOWEVER, THIS COMPANY KEEPS RESELLING THIS SAME DEBT AS NEW TO OTHER COLLECTION COMPANIES AND THEY ARE REPLACING THE DEBT ON MY CREDIT REPORT. SO ONCE I DISPUTE THE DEBT WITH ONE COMPANY ITS REMOVED FROM MY CREDIT REPORT BUT MAYBE A FEW MONTHS LATER IT WELL BE REPORTED BY A NEW COLLECTION COMPANY.
09/02/2020	Yes	Debt collection Payday loan debt	False statements or representation Indicated you were committing crime by not paying debt	AL 352XX	Web
I was harassed about this debt with XXXX XXXX. I was called and told I would be arrested for committing bank fraud if I did not pay the debt immediately. Under a lot of stress and a bad financial situation, I paid the debt that they said I owed. As a part of the negotiation, they agreed to delete the debt from my credit reports. The collection activity is still showing on my credit report. This company should seriously rethink their collections tactics.
05/23/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 338XX	Web
XX/XX/2013 my daughter was XXXX and XXXX. She was the victim of a crime and Florida was and is supposed to pay this bill. I have been fighting this for 6 years and it is on my credit report. I have given all copies years ago to XXXX XXXX where she received counseling for XXXX. I did not know this was on my credit till this past month. I have tried to end this. Please tell me why I should have to pay for a XXXX kit and injury evaluation? Please help me.
06/19/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19146	Web
I have never had an account with XXXX. I attempted to reach out to Debt Recovery Solutions and which I asked for them to verify the account. They sent a bill and at that time I called and explained to them at that time I had another provider and there was no need for me to have them. I have continuously disputed this account because it does not belong to me. There was no identification shown or nothing to verify on legal paper I authorized this account
07/30/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75165	Web
A collection account from Debt recovery solution have been added to my XXXX reoprt for a {$130.00} medical bill. I have insurance and the bill was paid in full by them and should not have a balance due. I have disputed with them at least 3 times and they have not removed. I did ask them to validate my debt and they provided me a bill showing that it was paid in full as stated by the insurance company. I am attaching that document with my complaint.
08/06/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	VA 23320	Web	Servicemember
in accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. In addition, I was never contacted to dispute the possible fraud account and they put it on my credit report without sending me information to dispute.
10/15/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 775XX	Web	Servicemember
The company that is trying to contact an address that I do not live at, stating to pay debt that a different company ask for the money last month. I do not owe this debt nor am I aware of any of these charges, I successfully disputed it last month with my credit bureau due to fraud who ever used my information, Im not aware nor responsible and would greatly appreciate if information would stop being sold, as it is taking time from my everyday life.
04/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 78758	Web
Debt recovery solutions XXXX / XXXX XXXX XXXX XXXX NY XXXX sent me a bill saying I owe a hospital bill XXXX. I told them many times to send me proof I owe this debt. I wrote them a letter XXXX XXXX telling them I don't owe this debt. They keep sending me the same letter stating I need to write them to dispute and pay my debt. The recent letter i got was XX/XX/2023. That says I need to sent another letter to dispute. I don't owe any hospital XXXX.
07/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33411	Web
I have written two letters to this debt collection company specifying to them that this debt does not belong to me. I have never contracted the services of this medical vendor but in fact it was my daughter who has. I sent two letters dated XX/XX/2020 and XX/XX/2020 stating that this is not my debt and that you would need to send documentation proving that it belongs to me. Otherwise close the account and remove the item from my credit reports.
06/18/2018	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 XXXXX	Web
XXXX and XXXX are showing a derogatory item on my credit reports that was removed from my credit report in XXXX. Debt Recovery Solutions is now adding this item as a new debt in XXXX. This is a violation of the Fair Credit Reporting Act. I am demanding with this account be removed and receipt of punitive damages, as this is hurting my credit score and causing me time to re-dispute items that have already been removed from my credit report.
10/14/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 20772	Web
I was checking my credit on XXXX XXXX and I saw that a company called Debt Recovery Solutions is trying to collect a debt that was already paid to this medical company 3 years ago. The company I paid my debt to was XXXX XXXX in Virginia. Their phone number is XXXX XXXX XXXX. This has impacted my credit and caused financial burden. This company has done nothing but cause me stress and financial strain. The debt was paid to XXXX XXXX Hospital.
11/03/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 94536	Web
DRS IS REPORTING ERRONEOUS COLLECTIONS ON MY CREDIT REPORT BACK FROM XXXX AND IS FAILING TO RESPOND AND/OR VALIDATE ACCURACY AND OTHER DETAILS OF THESE ACCOUNTS AND THEIR CONNECTION OR RIGHT TO COLLECT ON THE BEHALF OF THE ORIGINAL CREDITOR WHOM I DO NOT RECOGNIZE.. DRS Account number XXXX Recent balance {$310.00} as of XX/XX/XXXX Date opened XX/XX/XXXX DRS Account number XXXX Recent balance {$300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX
07/14/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 131XX	Web
XXXX XXXX XXXX XXXX amount XXXX date XX/XX/XXXX. collection agency sent a letter stating they had bought a debt from original creditor from XX/XX/XXXX. The collection agency re-aged this debt and reported it to XXXX with the most recent date not the original delinquency date I have disputed with XXXX and they are validating this to be true I have never made a payment and have disputed this debt in the past and it has never been verified.
10/24/2023	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	MD 20853	Web
XXXX XXXX XXXXXXXX sold my information to this company that was from XXXX. They are illegal in maryland where i reside and they kept selling my debt.I don't owe them this money stated as they put me in collections. ( DEBT RECOVERY SOLUTIon ) Last reported XX/XX/XXXX {$1500.00} Open balance XXXX Original creditor Opened XXXX XXXX, XXXX ( 6 mos ) Account status Open Type -- Responsibility Individual Remarks -- Original creditor name XXXX
07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91304	Web
I never opened this account. You need to remove this from my credit report : it is effecting my credit in a negative way.. What proof do u have that I opened this account? When and how was this account opened?? I need all the documents you have regarding this account, because I never opened it. Send me the original contract used to open this account, where was it opened? Remove this account from my credit reports XXXX XXXX and XXXX
11/13/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76210	Web
I wrote a validation of debt to company. Sent certified mail on XXXX/XXXX/XXXX. Debt Recovery Systems received certified mail on XXXX/XXXX/XXXX @ XXXX. Failed to receive validation of debt from said company. Debt Recovery Systems is in direct violation of Federal Law of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
03/18/2021	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	FL 33161	Web
I filled a dispute in regard to the incorrect item on my credit report it has been well over 30 days ago and I haven't received any investigation results. This account was transferred/sold and I am no longer responsible for the account. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature Does not validate the debt and anybody can send a bill and say it's mine.
10/28/2020	Yes	Debt collection Payday loan debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	GA XXXXX	Web
I checked my XXXX and XXXX credit report last week and noticed a " Alleged debt '' had been added by a collection agency by the name of " Debt Recovery Solutions '' I was never sent a dunning letter about this debt which is a clear violation of the Fair Credit Reporting act. I can affirm that I have never received a dunning letter about this alleged debt. I demand for them to remove this account from my XXXX credit report immediately.
02/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OR 97303	Web
I hve disputed an unknown debt by a XXXX XXXX XXXX. It was removed three seperate times, after disputing the account. And each time they reintroduce the debt anew and it keeps lowering my credit score, all while I'm desperately and slowly making efforts to increase my score. I am even currently partnered with state vocational rehabilitation and they are working with me in all ways to improve my credit so I can become self employed.
02/29/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 336XX	Web
Looking at my credit report there is account # XXXX from DRS reporting. I informed them that this account was written off through charity care and submitted all supporting documentation to them. They told me the account was taken out of their system and closed. They also said they submitted a request to the credit bureaus to have account removed but its still reporting on my credit damaging my ability to do anything with my credit.
10/04/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 946XX	Web
To Whom it Concerns, I received a discounted offer from Debt Recovery Solutions on a debt of {$920.00}. The offer from DSR was to RESOLVE and CLOSE this matter with a payment of {$450.00}, before XX/XX/2019. I did make this payment on XX/XX/2019, but the delinquency is still being reported. I have disputed this error with receipts, proof of my payment and Debt Recovery Solutions mailed offer. It has been more than 3 months since.
03/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL XXXXX	Web
I have notice two incorrect information on my report one for the amount of {$630.00} that was reported on XX/XX/XXXX under XXXX XXXX as original creditor, the address reported is not my correct address. and there is another one that i dont even know about and the amount 0f {$1600.00} that is appear to be a medical debt under coconut creek XXXX XXXX that i deffinetly know about. I'm fully insurance and have been like that for ever.
10/14/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92301	Web
I filed a dispute with XXXX for a company in XX/XX/XXXX. After XXXX investigated they informed me it was accurate and they updated my credit report to show I opened the acct in XX/XX/XXXX of this year. The collection agency is collecting for XXXX who I currently have service with and when I contacted XXXX they informed me that their system is not showing them an account being opened with them in XX/XX/XXXX with a Balance of XXXX.
06/14/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43229	Web
Debt Recovery Solutions LLC I was going over my credit file and seen a unverified account from Debt Recovery Solutions LLC XXXX! I don't recall even doing business with this company. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am unaware of the amount due and your bill does not include a breakdown of any fees or services never provided.
01/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 64050	Web	Servicemember
I NOTICED IN MY XXXX CREDIT ALERT, reported a new account of XXXX credit report. New bank/credit card dept. Recovery Solution L.L.C XXXX cardit report alert date : XXXX XXXX XXXX2017 source : XXXX phn. numb XXXX balance : {$980.00}. Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX i have filed so many disputes on this bank /credit card co. i already filed for Idenity theft and fraurd .like this to come out of files.
12/29/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77042	Web
I have several collections from DEBT RECOVERY SOLUTIONS on my credit file. Some are duplicated. I sent a request to this agency asking them to validate this account. They never validated anything yet they continue to report it on my credit as well as duplicate accounts making it look like more accounts with the exact same dates and amounts. I have medical insurance. The hospital can't locate the debt this agency is reporting
05/15/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 305XX	Web
Debt recovery solutions keeps sharing on my credit file that I owe XXXX XXXX XXXX a debt of XXXX. I do not have any knowledge of this debt. I have not seen a XXXX XXXX other than my XXXX XXXX XXXX in many, many years but they still keep putting this on my credit report. Now my credit report states that I have owed the debt since XXXX, 2019 which is a complete, fabrication. I have no idea who this the original creditors are.
07/17/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 10456	Web
I spoke to Debt Recover Solutions ( Collection Agency ) stating that XXXX has sold them my account which I owe & XXXX . I explained to them the debt was already settled with XXXX and was removed from my credit file already before. But they insist I still owe the debt and trying to get my personal info. They are reporting to the credit agencies again and is affecting me from getting an apartment to live. Please assist.
04/12/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WY 82801	Web
Complaint # XXXX was filed and the attached response was received stating that it would be removed within 30 days. It has now been 68 days and the company still has not removed this item from my credit report. Phone calls have gone unreturned by XXXX XXXX and this company is obviously lying and has no intentions of removing this from my credit report although they stated they would to your bureau. This is not acceptable.
11/23/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10456	Web
This was reported and paid under travel restriction by XXXX credit card back in XX/XX/XXXX or prior debt recovery solution insist on reporting credit or debt knowingly it was identity theft I again paid to debt recovery solution today asking to remove from credit bureau I was XXXX when debt was accrued I need to restore my life and remove from all bureau spoke to XXXX they indicated they have no interest in this account
10/26/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CA 92117	Web
I received phone calls and now letters saying that I owe {$310.00} for a phone loan that I never applied for or received. This is fraud. It is from Debt Recovery Solutions. Last letter received today XXXX saying 50 % off! If I pay {$150.00} the will close my account. this has been going on for about 1 year. I have report to credit score company and XXXX that this is fraudulentI never applied nor received a phone loan.
08/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33133	Web	Servicemember
On my XXXX credit report there is an account titled XXXX, account number XXXX that was sold to a company titled Debt Recovery Solutions, account number XXXX. This account was paid in full on XX/XX/2016. I attached a recent copy of my credit report that shows this in addition to paid in full letter from Debt Recovery Solutions. I have contacted both companies many times to get this resolved, but have been unsuccessful.
07/07/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	AL 355XX	Web
I have contacted this agency more than once and unfortunately they are very rude and have even hung up on me as I tried to communicate that this debt is not mine. They DID admit that my EX-spouse listed me as a " responsible party ''. She has, nor had No Right or Permission to contract any debt on my behalf. This collection, I recently learned about was part of the reason I can not purchase a home for my family.
09/03/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32304	Web
I have reached out to DRS since I was notified that they were on my credit reporting as a collection. I sent out a letter asking for DRS to Validate this debt. The information that I have received from DRS has been statements showing that this debt has been paid and {$0.00} is owed. This account was paid by insurance and should not be in collection. Please delete this account from my credit report Immediately!
05/30/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	IL 60901	Web
Debt Recovery Solutions is still showing on my XXXX report with 1 amount showing for {$890.00} and another amount showing for $ XXXX.They replied to my CFPB complaint that they will request these activities be remove/delete but they have failed to hold their word and obey the law. I dont know this company I have never done business with this company this company doesnt have any contract with my signature.
07/19/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	CA 94509	Web
I applied for a loan with a different company. I was paying the loan off when I got laid off my job and I got Covid and was in the hospital. I was trying to get back On my feet and forgot about the loan. I thought they were taking the money from my account. The company sold my account to a different company and in return, sold it to another company and now my account is being sold around to different company
06/14/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	VA 225XX	Web	Servicemember
XXXX XXXX XXXX, for the second time, is attempting to collect on an already satisfied loan with XXXX XXXX. XXXX XXXX XXXX has transferred/sold this same account to two other entities XXXX XXXX XXXX and XXXX and XXXX ) in attempts to further collect on their behalf. I have sent all involved parties certified letters requesting them to cease any collections efforts and the account is essentially handed off.
09/01/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77077	Web
Debt Recovery Solutions ; original creditor name XXXX balance owed {$290.00} XX/XX/2017 when it was opened. I even had email sent to me threatening theft by which I did not do and have never opened an account or used this company before. Someone had hacked into my bank and email information presumably it was my ex husband and his girlfriend and open up fictitious accounts under my name ruining my credit.
08/30/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	VA 23464	Web
Debt recovery solutions continues to contact me regarding a debt that has been discharged in bankruptcy. The original creditor is XXXX XXXX and they were notified and then they sold it to XXXX and they were also notified, then DRS and they were notified however they continue to ruin my credit by reporting this debt as money owed with a balance when it should have XXXX XXXX and be included in bankruptcy.
08/01/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 31907	Web
on XXXX XXXX i sent in a letter of opting out of credit reporting to XXXX XXXX XXXX asper 15 USC 6802 and i got no response. this was very damaging to my personal credit report and it prevented me from getting the things i most want in life. not to mentioned the embarassment and humiliation the pain and suffering i endure due to this reportin i and my family faced. i would like monetary compensation.
02/11/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN XXXXX	Web
This company has reported a debt to the credit bureaus even though law states I have a right to verification first. I have requested validation for this debt on XX/XX/18 and have yet to receive this. Yet they put it on my credit. Under the Fair Credit Reporting act a debt can not be reported untill it has been properly verified. This would be the second time this company has violated the law with me.
09/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60609	Web
A debt in the amount of {$330.00} from a creditor I am unfamiliar with is reflecting on my credit report. I have reports that were submitted to the FTC due to being a victim of identity theft which has lead to unauthorized accounts being opened in my name using personal information. This account does NOT belong to me and I have contacted the lender as well and made them aware of this information.
01/05/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 89103	Web
MEDICAL BILL FOR MY SON FROM 2012 OR 2013, THAT HE WAS DOUBLE COVERED FOR INCLUDING A SECONDARY INSURANCE OF XXXX. IF FACILITY DID NOT BILL IN A TIMELY MANNER OR MISS BILLED, THEY NEED TO WRITE OFF BALANCE AS THEY WERE AWARE I/ MY SON WAS DOUBLE COVERED WITH INSURANCE/ XXXX. THIS IS EFFECTING MY CREDIT, BEING A SINGLE MOTHER OF XXXX, AND DOUBLE COVERED WITH XXXX, THIS BILL NEEDS TO BE WRITTEN OFF
07/13/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OH 43068	Web
DRS showed up on my credit report out of nowhere. Ive not received any communication in regards to a debt they are claiming I owe on act # XXXX with XXXX. I have no knowledge of this debt and I have the right to request for this debt to be validated. Until this company can validate this debt, and provide at least 30 days for me to dispute it needs to be removed from my credit report immediately.
06/08/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	MI 48187	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
05/08/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL XXXXX	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
01/29/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NC 28105	Web
Debt Recovery Solutions is attempting to collect on a alleged debt for their client : XXXX XXXX XXXX in the amount of : {$1000.00}. I have no knowledge of this account. Derogatory and invalid information was placed on my credit report without due process to include : notification of this debt in writing, and allowing my right to dispute this matter pursuant to the FAIR CREDIT REPORTING ACT
06/12/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 22032	Web
I pulled my credit from XXXX XXXX and noticed a debt from debt recovery solution, LLC was added to my XXXX report for {$82.00} this was previously disputed and removed on XX/XX/2017 when XXXX reported this same amount from the same source. After contacting them and saying I did not know this debts. no letter was ever sent to me and this keeps coming up on my credit report. this is not mine.
08/26/2022	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	KS 666XX	Web
I received a letter stating I have until XX/XX/22 to dispute all or some of the debt and if i do so in writting collection attempts will stop until info is sent showing i owe the debt. As of XX/XX/22 This debt collector illegally added it to all 3 credit reports. I have called their number several time during this period and I never get to speak to anyone and no one ever returns my calls.
01/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 45244	Web	Servicemember
I have filed complaints with the BBB on this company. It continues to report an unvalidated account on my credit reports. I have tried calling them but they wont discuss this over the phone. They kept asking for payment. I sent them a debt validation letter certified mail, in response to their initial demand letter but they ignored it and continue to report negative on my credit reports.
10/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA XXXXX	Web
The original debt about 12 years old. But every time I complain to XXXX that this debt is too old to be on my credit report, they change the open date. XX/XX/XXXX they changed it to XX/XX/XXXX now it 's at XX/XX/XXXX as the date it was originally opened. However, this debt has been on XXXX report for well over 10 years. I want it removed and the company to stop Lying about the open date.
10/02/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 44143	Web	Servicemember
I received a letter from Debt Recovery Solutions attempting to collect a debt. I am unaware of the company that they are working on behalf of. I sent a letter via email and us mail requesting debt validation. I have not received any confirmation or validation of the debt from this company. This company is now reporting this debt on my credit report with out proof that the debt is valid.
11/21/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	LA 70001	Web
The collection was opened by DEBT RECOVERY SOLUTIONS on XX/XX/XXXX showing a debt of XXXX$. Giving a super high impact to the credit score. I did have a medical bill for XXXX$ back in XX/XX/XXXX that I was trying to pay off, but I never had ANY medical situations for the past several years, so this collection account is totally wrong and impacts my credit score with a wrong information
10/03/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33068	Web
Per federal regulations, any debt exceeding 7 year-old can not show up on the consumer 's credit report. The debt in question is over 7 years-old. Debt Recovery Solutions is falsifying records and stating the debt was establish as of XX/XX/2018 on my credit report. This is a false statement and against the law to falsifying records. This company is engaging illegal collection practices.
12/03/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30342	Web
I have 2 debt collection agencies that state I owe medical bills from dates that I no longer even lived in the state! I have attempted over and over again to dispute them and explain that it was not me but they refuse to believe me not to mention the privacy laws so Im quite upset with trying to resolve this with them because of them my credit score has been negatively impacted hugely!
02/17/2021	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	GA 30144	Web	Servicemember
On XX/XX/2021 I sent a debt validation request to this company, and rather than validate the debt I was sent a detailed list of my medical records without verification of identity needed to access Private Health Information. This is a direct violation of HIPAA regulation as I have never signed a HIPAA release form authorizing them to have, and distribute this information so carelessly.
04/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 14215	Web
I owed a XXXX phone bill which was sent to collections. I had several collection companies calling me and I settled with a company called XXXX XXXX XXXX , XXXX ( XXXX XXXX, XXXX ) on XXXX/XXXX/15 for {$120.00} ( confirm # XXXX ). I keep getting calls from Debt Recovery Solutions and this debt is still showing as owed to Debt Recovery Solutions on XXXX which is hurting my credit score.
01/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IN XXXXX	Web	Servicemember
DRS has flagged your account as Collections. DRS has flagged your account as Collections on XX/XX/2021. Alert Details Source Company Address Phone Activity Balance Date Balance XXXX DRS XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX Grid Code G ( Collections ) XX/XX/2021 {$1300.00} My identity was hacked & stolen from XX/XX/2021 until the attackers stopped around XX/XX/2021.
02/09/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PA 151XX	Web
On my XXXX report there's a questionable collection notice from XXXX for XXXX and I haven't had anything to do with them in over 10 years but on the collection notice it states that I opened an account XXXX of 2017 which is not true. I disputed it on XXXX and immediately resolved. But XXXX their system will not let me do the same because it's always down. So this is my situation.
01/31/2018	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	FL 33147	Web
On XX/XX/2018 I discovered two items from XXXX XXXX XXXX XXXX that appears as Debt Recovery Soluti Account XXXX in the amounts of {$1200.00} and {$100.00} had been re-inserted into my credit file. I informed XXXX that they are required to notify me within ( 5 ) days of re-inserting previously deleted items. I did not receive such notification. Please delete this item immediately
08/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	FL 337XX	Web
I get a collection from a company representing a Cellphone company but I paid my bill in full when I switch with my new company and never received any bills of balance due on anything. I get phone calls from collection agency asking about a bill I do not have any knowledge of. I want the calls to stop and the unjustified bill to be removed and cleared to XXXX balance immediately.
02/04/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33884	Web
Dept recovery solutions has sent me letters trying to say that multiple debts are mine they keep reporting multiple same amounts and same bill as different bills and stacking them on my credit. I have shown them that the debt wasn't mine so the responded with a letter trying to get me to say the debt was mine and giving out my personal information on the mail. Which is illegal.
10/13/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DE 19810	Web
I received a fake collection letter in the mail. I do not owe this debt and suspect this is not a legitimate collection company. I 've only had 3 dealings with XXXX in my entire life. ( fios, landline phone, and cell phone XXXX All 3 accounts were closed with a 0 balance. They do n't even have the correct name on the letter and are just fishing for someone to pay this to them.
01/29/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33897	Web
Case number : XXXX Despite the resolution of this case and my efforts to resolve this matter, the account still being reported in with XXXX. XXXX claim that only the collector can delete the account. I have spoke with XXXX XXXX XXXX and have wasted my time. XXXX XXXX XXXX do not show respect for the law, nor for the resolution of this case and much less for the individual.
02/27/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IL 60620	Web
On XX/XX/2023 Debt Recovery Solution Parked unverified debt onto my consumers report, and as well as to the three major credit bureaus before doing as required to do under the Fair Credit Reporting Act and CFPB. I XXXX XXXX XXXX was never given the proper disclosures nor model b-1 form to properly dispute and alleged debt that this company is trying to collect on my behalf.
05/06/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44124	Web
Hi, I sent a certified letter to on XX/XX/2016 : Debt Recovery Solution XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account # XXXX Plus all three CA 's over 30 days ago. Requesting VALIDATION OF DEBT and Assignment of Debt documentation. I have not receive a response and this account is still showing on my credit report. I supplied my ID, Social Security Card and Driver license.
05/03/2023	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	LA 70508	Web
XX/XX/2023 Dept Recovery solutions XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX They state I owe XXXX and put it on my credit report that I do without any information sent to me of who I owe for what and if I did in fact owe. I have no idea who this could be as I do not have credit cards or owe anyone. Now it is making my credit go down that Ive worked hard to get to come up.
04/04/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NM 87121	Web
I previously disputed this debt prior to XXXX of 2018 and it was removed from my credit report. I checked my report and see it is being reported again by DRS. This debt is old annd I have received no notification that the account was sent to an outside collection agency in the first place. This collection agency and the original creditor XXXX are in violation of the FDCPA
10/13/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX XXXXX	Web
I have been a victim of identity theft for years now, there has been a recent reporting of " A XXXX XXXX XXXX '' that I have not applied for. On recent credit report their is an assigned date and no collection date. I have not received any billings or correspondence from said " XXXX XXXX XXXX '' I have uploaded an affidavit proving my various instances of identity theft.
02/28/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33578	Web
I sent a debt validation letter on XX/XX/2021 to Debt Recovery Solutions located at XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX and they received my request on XX/XX/2021. This company has failed to validate my debt. Instead they sent me a bill which is not what I requested. Please delete this information from my credit file and cease all collections activities immediately.
11/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC XXXXX	Web
I filed an FTC report for identity theft in XX/XX/2021 and forwarded it to XXXX and XXXX, but they refused to remove this item in the amount of {$2000.00}. The last time the account was updated was on XX/XX/2021, which is wrong. the company 's XXXX XXXX did not respond to my questions. I have no idea where this financing came from. I've always paid my payments on time.
04/11/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	TX 77346	Web
Debt Recovery Solutions , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX This debt is 5 years old and just recently I was contacted about it. I offered to pay it off if the company would agree to removing the records from the credit bureaus. The company said that they would mark the account paid but would not remove the negative information from the credit bureaus.
11/22/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32174	Web
XXXX XXXX never sent me anything stating i had a collection. They are reporting the same acct twice. I have had this acct taken off one already as I do not owe it. Hospital was given XXXX info as well as a letter stating i was XXXX and i was told everything was fine. Then three years later it shows up on credit. Had it taken off now 5 years later it is back on twice!!
05/18/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TN 372XX	Web
I recently check my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me with any services or goods. I feel that they placed this on my credit report without giving me proper notice which is afforded to me under the law according to the FDCPA 890
05/29/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 34761	Web
DRS Debt recovery solutions XXXX XXXX, XXXX Collection account. {$1500.00} past due as of XX/XX/2023. XXXX XXXX {$1500.00} XX/XX/2023 0 % Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : {$1500.00} {$1500.00} 1 Month Individual I sent a written communication for debt validation
11/09/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AZ 85308	Web
I contacted XX/XX/XXXX about the debt and disputed it many times. The paper work on the debt seemed shady to me. The bill we supposed to be covered by XXXX XXXX in Texas. I see know charge of date in the paperwork. It looks the bill is un clear. I contacted the collector and informed and be keep telling me wrong dates and making up what thing mean on the paperwork.
09/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	OH 45241	Web
Debt recovery solutions refuses to code my debt on my credit report as medical. This is changing the way it effect my credit. I have spoke to them several times and filed a dispute on my credit. No corrective action was taken. I would like to pay the debt. However, I ask that it be properly coded, as medical debt is required to be removed from credit once paid.
02/24/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD 20602	Web	Servicemember
I have been receiving calls for years from several debt collectors for my husband 's son 's debts. We owe nothing. My husband and his son have the same name. I have told them to stop calling and gave them son 's phone # but they call several times a day some with different phone # 's ... ca n't answer my phone anymore. Last number XXXX. PLEASE HELP! Thank you
12/30/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX XXXXX	Web
Debt is past the statute of limitations, creditor reporting inaccurate information as if the debt is new. Dates are inaccurate account was opened 7 years ago and removed from my credit. Collection agencies can not report old debt as new ; this is a violation of the Fair Debt Collection XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX, NY XXXX
12/01/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	WI XXXXX	Web
I received a notification today that a collection was added to my credit report in the amount of {$520.00}. 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!
05/26/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 91354	Web	Servicemember
I received notification about disputing this debt AFTER they had already placed it as a collection on my report. I was NEVER given time to send in my written dispute regarding this invalid debt. It was with another agency and the information could NOT be verified therefore it was removed from my reports. This company has FAILED to verify that I owe such debt.
04/18/2023	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	CA 95148	Web
I have submitted a account paid in full letter and emails to and from XXXX XXXX XXXX where there was an issue with the company that still wanted additional fees- this issue was resolved in XXXX and now for some odd reason its showing as a negative on my credit report. And nothing has been resolved. Please help thank you i have worked very hard on my credit.
09/30/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78596	Web
all of a sudden a collection showed up on my credit reports, I never received any notifications or mail regarding this debt. I did not recognize it so I called the company, they told me it was an ER visit for my son I told them my son has XXXX and there is no copays, also my son is an adult They asked me to send his medical insurance information and I did,
02/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	CA 92530	Web	Servicemember
I took my son to the hospital back in 2020 and they billed his medical insurance which at the time was XXXX XXXX The hospital later told me they couldnt find his account and billed me personally instead and wouldnt work with me on billing XXXX XXXX Time after time my debt keeps getting sold to different debt collection companies that I dont know they are.
02/16/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
On XX/XX/XXXX i have made a complaint to CFPB about a collection Debt Recovery Placing previously deleted accounts on my credit file. On XX/XX/XXXX The company Debt Recovery has replied and closed the complaint stating they will remove the previously deleted accounts they have placed on my report. Today is XX/XX/XXXX. The accounts have not been removed.
12/01/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	WI XXXXX	Web	Servicemember
I received a notification today that a collection was added to my credit report in the amount of XXXX. 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!
11/21/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77407	Web
An account appeared on my consumer report name Debt recovery Solution and this is not my debt they are collecting on behalf of APP XXXX. I have never been to this hospital nor have I had medical treatment in well over 3 years and I have XXXX XXXX. I am a victim of identity theft in the pass and I have notified the XXXX major consumer reporting company.
07/17/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 235XX	Web
I received a letter from Devt Recovery Solutions LLC on XX/XX/XXXX that stated they are trying to collect a debt to XXXX XXXX XXXX. They claim I owe a medical bill from XXXX, which is false information. This is an old debt that was paid off in full in XXXX. I believe they falsely got my information via a data breach and are trying to steal my identity.
11/18/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33351	Web
The debt is stated to be for medical bills, I have been cover under family insurance when the incident in question happened. I was contacted by the company to settle on {$1100.00} but I feel that is was wrongfully targeted by this company because during the time of my visit to the hospital I was completely covered by the same insurance that I have now.
10/30/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NV 89081	Web
I received a notice from Debt Recovery Solutions , LLC on XXXX/XXXX/XXXX to pay a debt that was included in a bankruptcy some time ago. It began with rude unprofessional phone calls and escalated to written notice. I inquired within about this alleged debt. The feedback I received is attached. Thank you for advance for your assistance in this matter.
06/02/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30122	Web
Collection agency is attempting to collect on a debt that has reached statue of limitations. The medical account became delinquent as of XX/XX/2011. The statue of limitations for my current state of residence, XXXX and previous state of residence, XXXX is six years. I have requested not to be contacted and the collection agency continues to do such.
02/25/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 37172	Web
They debt was disputed twice sent letters to the company asking to validate debt asking to show proof of services rendered and yet have to receive anything. Called several times and no one seems to care or look at the dispute. One representative will say we are still looking at it and the next said we sent you something already within the same day.
08/26/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 92336	Web
They state it 's a XXXX XXXX amount due. I contacted XXXX which is and has been my current provider for at least the last XXXX years and they show no outstanding debt. Nor any interruptions in service due to a lack of payment. When I ask specifically what they are collecting on they go to strong arm tacticts " just give me your credit card ... ''.
03/18/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	SC 29732	Web
DEBT RECOVERY SOLUTION/ XXXX XXXX LOANS REPORTING A NEGATIVE ENTREE ON MY CREDIT file. I NEVER HAD AN ACCOUNT WITH THIS COMPANY OR HAVE I EVER APPLIED FOR A LOAN WITH THEM. I have been a victim of identity theft in the past, and many accounts were established without my consent. I have filed a police report in the past about the identity theft.
05/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 19124	Web
DEBT RECOVERY SOLUTIONS LLC at XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX, has been sending me collection notices in the amount of {$330.00} {$420.00} and {$1300.00}. The collection has been reported as past due balance. I do not know this company I have never done business with this company. This company does not have a contract with my signature.
07/06/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77598	Web
This company said I opened an account with them on XX/XX/2021 which is totally false and I believe is fraudulent. I have not entered into any contracts, signed any agreements or promise to pay any debts with the company listed. I need this debt removed from my credit report and to cease any further attempts to collect this fraudulent debt.
12/28/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 312XX	Web
I requested original bill from said hospital. The company trying to collect sent me one. On the bill is says amount due XXXX .... On a piece of paper from collection company. They tell me to ignore what is on original bill from swift emergency. If the Bill says I owe XXXX. How can they create a random amount and attach to my credit report.
06/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91351	Web
I have called on XX/XX/XXXX and spoke to XXXX XXXX. She informed me to email XXXX XXXX to remove debt from my credit report. She had verified my information and realized it did match. I emailed XX/XX/16 and he responded without wanting to remove this debt from my credit report. I sent a XXXX email and he does not want to remove the debt.
08/26/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MA 02360	Web
Debt Recovery Solutions of XXXX, NY ( XXXX ) had been harassing me for a debt owed by an XXXX XXXX. I do not know an XXXX XXXX and an XXXX XXXX has never been at this address or phone number. After being informed of this information, the harassing phone calls will stop for a few months. They have resumed again, despite repeated warnings.
08/23/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33611	Web
DEBT RECOVERY SOLUTIONS , LLC, XXXX XXXX And XXXX XXXX negatively reaged my credit. Saying it was opened on XX/XX/XXXX ( XXXX XXXX ) and opened XX/XX/XXXX ( XXXX XXXX ) when this debt is fromXX/XX/XXXX-XX/XX/XXXX and should be off my credit by this year as originally stated before reaging it on my credit report. I want it removed.
03/03/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33407	Web
NO response from this debt collector. Under the fair credit act, Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter - I sent letter on XX/XX/21 VIA USPS certified mail. You can track this package using THIS tracking number. XXXX
07/04/2016	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	TX XXXXX	Web
XXXX XXXX is the orginal creditor for this acccount. THIS Is THE XXXX Debt Debt Collection Agency that has reported this information on my report. They have stated this account was opened XX/XX/2016, which is incorrect. According to XXXX you can not place this on my report when the statue of limitations have passed, by reinsert.
05/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33617	Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
08/04/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account status incorrect	OH 441XX	Web
I agreed to pay a settlement to XXXX XXXX XXXX for two different accounts XXXX and XXXX XXXX who my debt originated with. Also paid Debt Recovery Solution, LLL and XXXX XXXX XXXX. I was told it would update and be removed from my credit report. I would like to see this done asap. These collection are hurting my credit report.
03/08/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33543	Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
12/11/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 336XX	Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
08/19/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 65203	Web
Company is claiming I owe debt I never heard of, received mail on XX/XX/2022, I have disputed debt online and with a letter from your site. There is no way to verify any of the information I have never had any loan with a company they are claiming I had a loan with. This is a scam. Company name Debt Recovery Solutions , LLC.
03/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 08050	Web
tis is a medical debt fro a er emergency room XXXX originally the original collection agency debt recovery solutions XXXX and now this XX/XX/XXXX they sold it to XXXX XXXX XXXX and repoirted this debt as new both collections agency are showing on my XXXX XXXX and XXXX i disputed this 6 times with no resukts please help!!
03/27/2023	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	KS 67801	Web
I contacted XXXX about this loan and loan amount. I only borrowed {$1000.00} and they are trying to collect more than I owe. They refused to provide me with a detailed statement when asked. These loans are a rip off and very unaffordable. These type of business should be illegal because its almost impossible to pay it back.
03/27/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	GA 30012	Web
On or about XX/XX/2017 I sent a certified letter to Debt Recovery solutions asking that they verify the debt on account, ownership, and legal documentation of their right to pursue debt. They have not responded, it 's been over 30 days. Yet they have added a collection to my credit report. They are in violation of the FCRA.
01/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91335	Web
DEBT RECOVERY SOLUTIONS is attempting to collect a debt that I do not owe them. They illegally purchased my information from XXXX. Further more they are reporting this false information to all 3 credit bureaus. I have no contract with DEBT RECOVERY SOLUTIONS them and XXXX are in violation of 15 usc 1681 and 15 usc 1692.
11/19/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77015	Web
Company is reporting the debt to the credit reporting agencies as a new debt XX/XX/202 but bill was from XX/XX/2014. The bill that the company sent states current patient responsibility is {$0.00} but they are reporting amount owed as {$200.00}. I have asked for the debt to be deleted from all credit reporting agencies.
07/01/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OH 43110	Web
This company apparently bought this account from another agency that tried to sue me on account that was paid off. The other company that had the account brought the case to the local court where I lived and the case was dismissed by the local court by pursuant L.C Rule 12.02 Dismissed without prejudice at their cost.
07/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33619	Web
Debt Recovery Solutions reported to the credit bureau that I owed {$380.00} from a past XXXX bill. XXXX claims that I do not owe anything. Debt Recovery Solutions contact phone number does not work to try and call to dispute. When researching the company, they reported false claims to the credit bureau multiple times.
02/10/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 76244	Web
Debit Recovery Solutions, LLC keep sending me letters, saying I owe them money for ( XXXX ) I do not owe them anything, and do n't even know who they are! Oh, and they ca n't provide me with any information I request and then hang up!! They are trying to scam me and other people, making them believe they owe money!
05/22/2023	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 76542	Web	Servicemember
On XX/XX/2023 I received a notification from XXXX and XXXX that about collection placed on my credit report. I have never received information about this debit via email, phone call or in the mail. This is my first acknowledgment of this. Per the collection agency it is stating that I owe {$380.00} to XXXX XXXX.
11/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 21236	Web
I have attempted to obtain backup from XXXX and their debt collections agencies to no avail. The only information I have for an account with XXXX shows they owed me money when I closed my account. They have not provided any documention otherwise and continue to harass me for an account I do not believe is mine.
06/20/2023	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 75088	Web	Servicemember
On XXXX of XXXX, I was taking a look at my credit report and I noticed a collection account from debt recover solutions in the amount of {$1200.00}. I tried reaching out to them to the phone number I was provided by XXXX but no one answered. I have not received any written or verbal communication on this debt.
12/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80602	Web	Older American, Servicemember
Received a letter from Debt Recovery solutions stating that I owed {$330.00} to them. I called and asked where the debt came from and they said a company called XXXX. I have never used XXXX for anything. They said the transaction happened in XXXX of 2020. Once again, I never have used XXXX for any transaction.
06/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 703XX	Web
Upon checking my credit file Ive noticed a company named Debt recovery solutions Inc has been negatively reporting debt owed. I have never done business with that company nor was I ever contacted on behalf of the alleged debt. I would like all accounts from the above company to be removed from my credit file.
10/29/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MI 48197	Web
I sent a validation letter to collection agency asking for proof this belongs to me. It has been over 50 days now and I have given them ample enough time to respond. This appeared on my credit report and I have not been to this company for a payday loan. I have no idea were this is coming debt is coming from.
05/01/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 156XX	Web
CFPB just found this company to wrongfully try to collect a bogus Debt from me. They have since removed their collection from my XXXX credit report but now have appeared on my XXXX . This company told the CFPB that they would remove EVERYTHING associated with me immediately. They have NOT. Please help me!
10/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75287	Web
DEBT RECOVERY SOLUTIONS has reported a debt of {$4000.00} for a company called XXXX XXXX XXXX that I have never done business with. I filed a dispute with XXXX and XXXX and they informed me that they confirmed the debt as valid. I have submitted a validation request via email and have received no response.
06/10/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95610	Web
Early this year I disputed an account reported by Debt Recovery Solutions account # XXXX through XXXX and it was deleted because the creditor failed to provide me with proof of such debt. Now on XXXX/XXXX/2015 I just discovered this same accountis being reported through XXXX only. This account is not mine.
03/15/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78209	Web
Discreditor had sent me a bill near the end of XXXX for {$89.00} for medical bill I have sent them a verification letter and have not received anything within the 5 days and it's going on almost 30 days as I've sent them a verification letter certified and I still haven't received anything about this bill
04/28/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 770XX	Web	Servicemember
On XXXX / XXXX / 17 i made contact with the original creditor. XXXX XXXX XXXX . They could not find a bill for me for {$140.00}. Or any amount. XXXX XXXX XXXX XXXX . I would like to have this removed from my credit. The company attempting to collect the debt is Debt Recovery Solu tions.
06/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 730XX	Web
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States l 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.
10/30/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NV 89103	Web
University XXXX XXXX has removed this debt from my credit before as a result of it being supposed to be paid for by XXXX XXXX XXXX XXXX. This was several years ago. Now Debt Recovery Solutions is reporting it and has not sent me ANY notification of the debt collection and has reported it to my credit.
07/26/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	XXXXX	Web
This company reported an account from XXXX on XX/XX/2019 in the amount of {$280.00}. This collection agency is in violation of FDCPA 809 ( a ) for not providing a collection notice within 5 days after initial communication. This was not done 5 days after reporting it to the Credit reporting agencies.
01/30/2018	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	NY 11372	Web
There are three adverse reports on my credit report. They are from collection agencies with who I never entered into agreements. The collection agencies purchased debt that was written off by hospitals which provided me treatment. Having written off the debt my obligation to pay the hospitals ended.
05/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 630XX	Web
I signed a non arbitration contract that stated the loan does not report to credit agencies. I took a title loan on a vehicle from XXXX XXXX XXXX and believed they had reposessed the vehicle. 2 years later they are now reporting to my XXXX that I owe a debt of {$730.00} to debt recovery solutions
05/27/2021	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	FL 33162	Web
Ive already been in communication with Debt Recovery Solutions who stated they are unable to send me in writing the debt will be removed from my credit once payment is made and they said they cant provide this. I want to accept this offer to pay the amount offered the due date to pay is XX/XX/2021
12/28/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75075	Web
Company stated that they are a 3rd party collection and that I needed to contact primary source but they wasn't able to give me the information on who I needed to contact. This seems very fraudulent to me. I asked how can they report on my credit and they don't even know if the account is accurate
07/02/2020	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 Their investigation did not fix an error on your report	TX 75056	Web	Servicemember
I do not have a contract with Debt Recovery Solutions ( DRS ) .They are furnishing false and inaccurate data to XXXX . My dispute with XXXX on XXXX XXXX, 2020 resulted in the inaccurate, false reported information by deleted and removed from.my report.. However its still is being reported at XXXX.
11/16/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 10039	Web
On XX/XX/2020 I sent a dispute letter to Debt Recovery Solutions and all 3 credit bureaus regarding a collection/charge-off. XXXX has since deleted the account from my report while the other 2 bureaus are still listed. It is well over 30 days and the account still hasn't been updated or removed.
08/09/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 75087	Web
Debt Recovery Solutions reported to the 3 credit bureaus derogatorily and negatively that I owe a debt of {$660.00} on XX/XX/2018 that was opened XX/XX/2018. I have did not receive any communication ( oral or written ) from them. Acct # XXXX. Please have them remove this information from my file.
03/21/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 45240	Web
Debt Recovery Solutions was on credit report for {$340.00} when tried to get mortgage. I phoned the company to get information on this so called debt was screamed at and demanded that I pay that day. Called back again with no better luck. I have disputed the information and nothing has been done
04/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92501	Web
Debt being reported is from XXXX alleging that their equipment was not returned. I spoke with representatives at XXXX and they are not showing any debt owing by me on their records. I have disputed this with many different collection agencies and when I do they sell my account to another agency.
01/29/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MA 027XX	Web
I went on vacation and XXXX XXXX XXXX XXXX in XXXX and they charged me this money and i had already giving them my insurance i called and solved it now they just mailed me another one saying i still owe and i know it was resolved because it was taken off my credit and that ruined my credit alot
07/17/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77071	Web	Servicemember
I have no knowledge of the debt. Requested original copy of bill and was emailed a generated copy that any one can make up on a computer. asked to for them to send an original copy with my signature on it. and they could not provided what I asked for. XXXX is in violation of HIPPA privacy.
09/25/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33060	Web	Servicemember
I sent Debt Recovery Solutions a certified letter on XX/XX/2020 which was received on XX/XX/2020 asking for verification of this debt, they have not responded to my request but continues to report this unverified debt on my credit report. This debt does not belong to me and I want it removed.
05/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44708	Web
I received a letter today, XX/XX/2021, that I owe {$1400.00} for a loan by phone, and if I sent {$700.00} by XX/XX/2021 it would be considered resolved.. My credit report says I owe the same amount for an account opened in the last six months. Wrong name listed and I'm sure this is not mine.
12/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 13126	Web
I got a collection from debt recovery solutions. I have asked that they provide proof that I owe the debt over 30 days ago and was told I was going to get it. Never got proof for the XXXX dollar debt. They have not taken it off my credit report either. It needs to come off my credit report.
08/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA XXXXX	Web
This company XXXX has been trying to collect XXXX for a phone bill that I had in XXXXthat I do n't owe. I have been trying to dispute for years and its being reported on my credit report I would like to be able to have this removed and I have information stating I do n't have a balance.
11/06/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	SC 29406	Web
I went to check my XXXX account and see a company named DRS that added itself to my credit report I opened the account and see its from a old debt named XXXX i haven't received and letters or any emails from the company in XXXX and now this is on my credit report without my knowledge.
10/11/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 322XX	Web	Servicemember
In XXXX DRS appeared on my credit report. I had no knowledge of the debt. I didn't receive any type of correspondence from them. According to the fair credit reporting guidelines they are supposed to notify me of the debt and give me a chance to pay before trying to destroy my credit.
05/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77396	Web
Drs is inaccurately reporting on my credit report that I owe a balance off {$2400.00}. I dont know this company nor have ever had any business with this company. This company does not have a contract with my signature on it and is a violation to be reporting inaccurately on my credit.
12/09/2020	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 33027	Web
I saw a collection on all 3 credit bureaus on my report from DEBT RECOVERY SOLUTIONS for {$550.00}. I did not get any type of letter from XXXX letting me know that they own the collection I never got any correspondence from them stating that I owed the money or was aware of this debt.
06/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 483XX	Web
I sent a verification letter to the company certified I have receipts showing the debt company received the letter It has been over 30 days and I have not received a response with proof or verification I owe this debt. This company is still reporting in error to the 3 credit agencies
07/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 770XX	Web
Recently I was alerted by XXXX that DRS was reporting account XXXX {$520.00} on my credit file. This account is fraudulent and is not mine. DRS has never contacted me about this account in which is required under FCRA laws. This account is fraudulent and is effecting me adversely.
03/21/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AL 357XX	Web
Debt Recovery Solutions keeps reporting and trying to collect on an old account I had with XXXX over a decade ago. I was told that XXXX sold the account to Debt Recovery Solutions. I paid this account completely off. I do not know why they keep reporting this erroneous information.
06/23/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 31404	Web
I've already filed a complaint one time before with the cfpb and the company response was they will send me something in the mail. They didn't. I've sent them certified letters and they still haven't responded. I want this off my credit report because they won't validate the debt.
05/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43204	Web
Account : -DRS XXXX XXXX, XXXX XXXX XXXX # XXXX was REMOVED from my credit report and has been illegally reinserted back onto my credit report and this is a violation. I have a legal right to dispute the following account on my credit report : -DRS # XXXX XXXX XXXX XXXX # XXXX
09/03/2023	Yes	Debt collection I do not know	False statements or representation Told you not to respond to a lawsuit they filed against you	FL 32714	Web
I'm not liable for this debt charter communications. I don't have a contract. XXXX collection Agency ( Debt Recovery Solutions ) they didn't provide me the original contract as I request, Please Correct my credit report I demand this account be removed from my credit Report.
08/24/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 23320	Web	Servicemember
I revieced a notice dated XX/XX/22 I then sent a email to get more info, I then sent a letter. I revieced the notice in the mail XX/XX/22, the letter states that I had time to respond. I checked my credit report on XX/XX/22 and they had put it on the report. That's not fair.
11/03/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 45224	Web
I noticed that a collection account was added to one credit report and it was not mine as a result of identity theft. I have been a victim of identity theft. It was soon there after deleted from that one then added to a different report. This account does not belong to me.
04/29/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33138	Web
I have unknown debt collection on my XXXX report, I was trying to dispute it, but the debt collection agency doesnt provide any details on the debt and I dont owe any debts to anyone. The debt collection agency still wants to pay debt and my credit score is went down.
07/24/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 76543	Web	Servicemember
Failer to provide proper validation, FDCPA requires verification of the validity of an alleged debt, not verification of your name and amount of an alleged debt. Proper validation should be in the form of documentation from the original creditor, not the debt collector
09/20/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Loan payment wasn't credited to your account	WY 829XX	Web
I have a {$810.00} loan showing on my credit report from XXXX XXXX the loan amount was for {$500.00} paid from XXXX XXXX years ago. In XXXX of 2023 I paid {$680.00} to XXXX XXXX XXXX in regards XXXX XXXX I have the receipt and XXXX XXXX says that XXXX XXXX was paid..
11/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 325XX	Web
Debt Recovery Solutions , LLC is writing to me on behalf of XXXX XXXX XXXX, XXXX for a debt they claim I owe to XXXX XXXX XXXX with account number XXXX. I do not have knowledge of this debt nor have I contracted services in the amount of {$330.00} with this company.
12/05/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75252	Web
I got an alert that a company called that debt recovery solutions located in New York has placed a collection account on my credit bureaus. This is in direct violation of regulation F. Ive never spoken to these people or received any written communication from them.
05/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 312XX	Web
On XX/XX/2020 I submitted a dispute letter to XXXX asking them to investigate and verify/validate an account thats displayed on my credit report. Its has since been about 2 months and XXXX has yet to respond or even notify me of any investigation results or updates.
10/05/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MS 39465	Web	Servicemember
XXXX XXXX XXXX threw a {$1400.00} collection on my credit report sometime in the last XXXX hours. Ive not been contacted by mail or phone about anything to do with this debt. I dont have any information on it, and need it removed from my credit report immediately.
06/05/2023	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	MI 482XX	Web
Collection detected on credit report Debt Recovery solution balance of {$170.00} I contacted DRS on XX/XX/2023. I am unaware of this account I didnt receive any letters about this account through mail. I did not open this account. Ask for removal off credit report
07/07/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	CO 80501	Web
I am getting charged for something i knew nothing about, i contacted the debt company the first time to get it removed they did and now it is back on my credit. The representative was very rude when talking to me and said there was nothing she could do to help me.
10/04/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77706	Web
Debt recovery solutions is trying to collect on an alleged debt that is past the Texas Statue of Limitations of 4 years. The debt is too old to be harassed for. The date of Service on the letter is XX/XX/2016. I have been receiving harassing calls and voicemails.
10/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 616XX	Web
i was contact by debt recovery solution on behalf of XXXX, about a bill that i owed them, i immediately contact XXXX because they used to be my carrier, when i called them i was told by XXXX to file a complain to you.i want that to be clear from my credit report.
12/24/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	VA 23602	Web
the collection was added to my account as a newly opened debt from XXXX, I am not sure when it was open but it was before XXXX. I have disputed this with all credit bureaus but they say the debt is valid. They are not even reporting accuracte dates or amounts.
04/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30102	Web
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. They have violated my consumer rights under the federal law FCRA & FDCPA.
01/29/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30349	Web	Servicemember
Debt Recovery Solutions is demanding payment from me for an odious debt that they have not legally validated as required by law as belonging to me much less that I have any legal obligation to honor a debt that has not been legally validated as being mine.
05/11/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33610	Web
There is a collection with this company called Debt Recovery Solutions which is unknown and I do not owe this company anything. I have disputed and requested verification and nothing has been received. I need some help. Debt Recovery Solutions {$1000.00}
03/09/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NC 28379	Web
North Carolina Statute of Limitations on Debt Collections If you are living in North Carolina, consumer debt has a statute of limitations of three years. The collections on my account dishonor the North Carolina statue of limitations. Requesting removal.
06/08/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33756	Web
There is a medical bill that is reporting on my credit file showing it opened in XX/XX/2020 with XXXX XXXX XXXX XXXX XXXX. I have not had services with them in almost 7 years. They need to stop reporting this as being new because that is NOT THE CASE!!!
12/08/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 754XX	Web
I sent prove that the debt was paid on XX/XX/2022 and they refused to remove. I requested what they had on me to prove the debt was mine, and they did not provide. They are not able to prove the debt is mine, and I sent proof that the debt was paid.
06/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MA 01887	Web
Credit report check revealed {$1000.00} owed to Debt Recovery SolutionsCalled DRS and was told it was for an old XXXX Account. Called XXXX, they have no record of me owing any money. I still have XXXX to this day with a XXXX balance ( home services ).
06/08/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 92596	Web
I am not liable for the debt with XXXX XXXX. I do not have a contract with DRS XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX DRS did not provide me with the original contract as I requested. I demand this account be removed from my credit immediately.
03/17/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70117	Web
I am a veteran I never used this hospital Or emergency room please show physical proof that I came to this hospital oe a signature I came here if you can not provide this delete this from. My report Can someone help me From Cpfb this is identity theft
03/29/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 15236	Web
This was a third party pay phone company that billed me through XXXX for collect calls to my answering machine from a pay phone in Arizona. I never answered the phone, or authorized or accepted any of the charges! No one was even home at that time.
12/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 240XX	Web
I have dispued this before. This is not mine I have asked for proof of how this phone account happened. No one can prove where I have signed for this no ID for this or anything. Also this was to have been in 2009 so should it not be removed anyway?
04/21/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33415	Web	Servicemember
DRS has been reporting this collection information to all three of the credit bureaus as unpaid. I never entered into a contract with DRS. After numerous attempts- they have failed to provide me with proof of required information about the debt.
03/29/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 77007	Web
No clue what this is and suddenly started getting dings from all the credit monitoring companies I pay for. This is not mine. I looked in my old emails and have not had a loan from this company in over 8 years. Not my debt Deb Recovery Solutions
06/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38018	Web	Servicemember
I have tried to dispute the debt with DRS and XXXX. I have not received any information from either company that shows the debt is mine. I do not owe this debt and have never had an account with DRS or the company they are trying to collect for.
07/25/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 44035	Web
I requested a copy of the bill back in XX/XX/XXXX that is leaving a negative mark on my credit report. I have not received a copy of the bill.I explain that this could be my son bill which he has his own insurance if not I'm willing to pay off.
11/05/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY XXXXX	Web
Debt Recovery Solution is alleging i owe a debt, and reporting this inaccurate information to XXXX. I never received any information validating/verifying the allege debt, never received notice that Debt Recovery Solution is a debt collector.
04/07/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	FL XXXXX	Web
DEBT RECOVERY SOLUTIONS LLC has been in violation of the FDCPA and FCRA over a course of years. There is no more room for negotiation if they do not remove the false information. I will seek litigation against DEBT RECOVERY SOLUTIONS LLC.
12/06/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
This debt was not even mine. My friend used my info when I was living with them and opened this account fraudulently. When I moved out they never changed this and screwed me over. This needs to be removed and forgiven as it 's ridiculous.
05/13/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77586	Web
I called the collection company Debt recovery solutions and told them it not me never been on that XXXX also dispute a couple of times and nothing. Debt Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
03/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
THE ACCOUNTS LISTED ON MY CREDIT REPORT IS NOT MINES AND ALSO THERE ARE SEVERAL INQUIRIES ON MY CREDIT REPORT ARE NOT MINES AND THIS IS STRESSING ME OUT AND DAMAGING MY LIFE. I CAN'T SLEEP NOR EAT PLEASE HELP ME RESOLVE THIS ISSUE ASAP.
03/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 444XX	Web
I received an alert from a credit monitoring service that an account labeled " XXXX XXXX XXXXXXXX '' with a balance of {$660.00} was opened on XX/XX/22 and reported on XX/XX/22. I have no knowledge of this account and it is fraudulent.
12/26/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32117	Web
I have disputed this account with the credit bureau 's because it does not belong to me, yet, it still remains on my credit. Upon investigation of my own, I have found that they are not licensed to collect debt in the state of Florida.
05/11/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20785	Web
I checked my XXXX report and noticed a negative account for a amount of {$430.00} dollars. I do not know where this came from can you please send me any documents you may have on this account? I attached a screenshot of this account.
04/14/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	GA 312XX	Web
I asked to see the contract that I signed stating these were medical bills that I owed ( had insurance ). They told me these were my debts and a contract was not needed to confirm this. I think that is against my rights as a consumer
04/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 07306	Web
I have check my credit report and it said that I owe this agency {$750.00} from a verizion account that I do not have and this agency have been reporting this account to these credit companys and now my credit is starting to decline
03/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OR 97007	Web
This is fraud but I still paid them in order to get it off my credit report! This needs to say " removed due to error '' or something instead of " paid in full '' this debt is not ligitemate PLUS it's been paid! See attached proof!
08/02/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92392	Web	Servicemember
Debt Recover Solutions is attempting to collect a debt that is past the statute of limitations and past the 7 year period for Fair Credit Reporting. They are using illegal tactics such as re-aging and ignoring validation attempts.
06/09/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 92253	Web
This debt collection was previously deleted from my credit report. They re-reported without sending me the 5 day notification as required under the fair credit reporting act. This is highly illegal and this needs to be rectified.
07/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AL 36608	Web
I paid the debt I do not owe XXXX to DRS whom I never signed a contract with know who they are. I do not owe XXXX XXXX XXXX this debt is almost 7 years old and it was removed they added this as if I have a new debt and I dont.
06/23/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA XXXXX	Web
Never received anything about this. Called company got rude person told me would be going jail if I didnt pay this bill. Called the orignal company advised me the account was in dispute under fraud not sure why they received it
04/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95008	Web
Some agency called Debt Recovery Solutions is attempting to collect a debt from XXXX, 2021 for a company called XXXX XXXX XXXX. The amount is {$3200.00} which I have no recollection and never replied to. This is fraudulant.
04/30/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10704	Web
I told them I did not live at that address but they put it on my credit report so I disputed it. It was removed but put back on After the 7 year statutory period. I have Never lived at XXXX XXXX XXXX , XXXX , Ny XXXX !
07/19/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA XXXXX	Web	Servicemember
this is not dulpicte complint For the second tine the debt recovery solution lilac is reporting account number on all credit report that is not mine. My first complaint Reff to CFPB case numbers XXXX. See all documents on file.
02/23/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 349XX	Web	Older American
Hello, Debt Recovery Solutions has been harassing me on and off for over seven years. They stop for a while and then pick up where they left off 3,6,9 months later. Is this legal? Can something be done about this? Thank You
02/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33647	Web
There is a {$96.00} account listed on my credit file which is unknown, I have disputed and requested validation and nothing has ever been received. I don't know what else to do. Please help DEBT REC SOL-XXXX Balance : {$96.00}
03/01/2022	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	CA 93314	Web
Debt Recovery Solutions ( XXXX ) XXXX has not only contacted numerous family members but has also contacted my employer. They have no legality to pursue this debt. This was handled with the original creditor XXXX 5 years ago.
01/23/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 171XX	Web
Debt Recovery Solutions was supposed to have removed derogatory information from my credit reports. It has been 60 days since their letter stating such. It still remains on my credit reports. REFERENCE CFPB CASE NUMBER XXXX.
02/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 79763	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.
02/22/2022	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 77045	Web
I have tried disputing this information with the credit bureaus. They have ignored me. My information has been shared without my consent. I am requesting that you have them remove this information from being shared publicly
05/03/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PR 00921	Web
I am a Victim of Identity Theft which has been reported to the Police Department. The company DEBT RECOVERY SOLUTIONS reported to my credit report a debt owed to XXXX even though this debt is a result of Identity Theft.
08/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MI 48236	Web
I contacted agency to pay debt. They made a settlement for the debt. They the reported debt as late and still owing a {$64.00} balance. I have tried contacting them when I explain what happen they hang up on me each time.
08/28/2015	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	CA 94590	Web
I requested original documents from the Debt Recovery solutions, LLC., but they stated that they have no copy of any records sign by me, and ca n't give me no records whatsoever. I believe this charge to be fraudulent.
07/27/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	WA 98155	Web
Debt was not mine, was removed years ago after the results of a validation/investigation removed it from all credit reports. Debt collector never sent a notice that the debt would be re-inserted into my credit report.
06/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called outside of 8am-9pm	WI 53143	Web
This was a debt incurred by my ex wife. She used my name to secure this credit. I have other debts she created including her divorce attorney debt that I got stuck with. I am just trying to rebuild by life and credit.
04/25/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 15642	Web
This is not my debt. I asked this company to provide with me proof that it is. They have failed to do so. I have disputed them with all XXXX credit bureaus and all three have found this company and debt fraudulent.
05/18/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78752	Web
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
01/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70454	Web
This account belongs to my twin sister. XXXX XXXX. I have been trying to get this situation under control because its stopping me from being able to purchase a home due to her information being on my credit report
05/06/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 782XX	Web
XXXX XXXX DRS it recently appears on my credit report last month I believe but I haven't opened any new loans or anything since before Covid and I never opened a account or signed anything with that company XXXX
07/23/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	KY 40601	Web
I did a dispute through the credit bureau and so far nothing has happened I believe I am a victim of identity Taft and this is a product of it but I could be wrong I need someone to help me look into this please
09/26/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DC 20010	Web	Servicemember
I have reached out to Debt Recovery Solutions and requested validation of this debt as I did not have a account with XXXX. I have not received anything back after several attempts to resolve the matter myself.
07/21/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 777XX	Web
I sent a debt validation letter for debt, it has been over 30 days since they received the letter and they have not responded. The letter was sent certified in which I am able to prove they received the letter.
04/27/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 93726	Web
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Debt Recovery Solutions Amount {$310.00} Claiming That I Owe XX/XX/2019 Date Reporting On My Credit Profile Requesting * VOD * Validation Of Debt
04/22/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91792	Web
Account was listed on my XXXX credit report on XX/XX/2019. Debit Recovery Solutions Collections claiming I owe {$310.00}. I do not know this company. I have never received documentation to validate my debit.
02/27/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	RI 02904	Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
02/08/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02301	Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
11/11/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 027XX	Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
03/23/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02301	Web
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
02/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33309	Web
I'VE SENT NUMEROUS OF POLICE REPORTS OF MY IDENTITY THEFT REPORT AND THE CREDIT BUREAUS REFUSE TO CORRECT THE INFORMATION ON MY REPORT AND IT WAS NOT ME THAT DID THESE FRAUDULENT TRANSACTIONS ON MY REPORT.
08/30/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75032	Web
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.
03/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75220	Web
I received a letter from Debt Recovery Solutions LLC ( XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX ) stated I owed over {$400.00} with creditor XXXX. I never opened an account with XXXX or apply for a loan.
05/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 19131	Web
Debr Recovery Solutions, LLC of XXXX XXXX, XXXX XXXX, XXXX NY XXXX. XXXX, continues to attempt to collect a debt for a landline phone number XXXX from XXXX that we never had installed at our residence.
10/14/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	CA 90059	Web	Servicemember
DEBT RECOVERY SOLUTIONS Have no knowledge of XXXX XXXX XXXX the company and seen it was a loan place that I have never been to. I have no knowledge of that loan or account. {$310.00}. XXXX XXXX XXXX
03/09/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85033	Web
I have never been contacted by this company or did business with this company and now they on my credit report. There has been no communication they have given me by mail or phone. This is not my debt
03/26/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 229XX	Web
Received a notice by mail for a medical transportation debt. I haven't been in an ambulance or any medical transportation in over 20 years. Received notice XX/XX/18 from Debt Recovery Solutions LLC.
08/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30344	Web
I have disputed an error on my report and it was removed in XXXX. It was removed because it failed to be validated by the collections agency. XXXX reinserted it again today without any prior notice.
08/14/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	AR 72209	Web	Servicemember
I mailed a validation letter for the debt disputes. The debt collector failed to respond. The original creditors were filed in XXXX XXXX bankruptcy. In addition, the reported balances is inaccurate.
05/20/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 44118	Web	Servicemember
Hi, I'm not of aware of this debt. I would like the following : 1. Assignment of Debt 2. Validation of Debt 3. Method of verification I have requested this information sometime ago with no response.
01/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK XXXXX	Web	Servicemember
XXXX is reporting fraudulant accounts on my personal credit file/bureau. I have been in contact and provided police reports and notarized FTC AFFIDAVIT, Accounts are the result of identity theft,.
09/26/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	KS 67207	Web	Servicemember
This debt is not mine I was not in the state of XXXX XXXX XX/XX/XXXX. I was in XXXXI have no knowledge of this. Also I have no job, since XX/XX/XXXX. So how could I get a pay day loan. For XXXX
11/12/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34982	Web
I received a notification from XXXX XXXX about a collection that was placed on my XXXX report which dropped my score 31 points. It was from Debt Recovery Solutions for the amount of {$1400.00}.
04/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77090	Web
These accounts has been sold or transferred and I am no longer liable for this alleged debt. My consumer rights under FCRA AND FDCPA has been violated as well as my privacy under the HIPAA law.
11/19/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75154	Web
this company is stating that I owe them money and its on my credit but I dont have a sign contract with them. this account has been on my ftc report and I've disputed with the credit bureaus.
03/17/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70119	Web
someone has been going to the hospital under my identity, which is fraud. I also have active XXXX insurance. the date of this account open is XX/XX/XXXX, XXXX and it is placed for collections.
03/24/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IL 60409	Web
Dear sir/madam today XX/XX/2017 as I checked my credit file on XXXX, I noticed that a fraudulent collection was noted on my credit report. I do n't know this company or any of it affiliates.
06/15/2023	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 75040	Web
The company that sold the account XXXX a debt collector has put this as a derogatory account on my credit. This was opened so long ago over 7 years ago. It just randomly popped on my credit.
07/19/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	FL 33032	Web
I just became aware of an account that was added to my credit report. I have no knowledge of this account. I never received any correspondence from this company stating that I owe any money.
07/25/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77047	Web
It is showing up on my credit report with different dates and the information has not been correctly placed on my report and due to HIPAA Violates they can not have my medical information.
06/24/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 782XX	Web
I disputed this charge several times using XXXX XXXX. I settled this debt already with another collection agency before it was sold to this collection agency called DEBT RECOVERY SOLUTIONS
07/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 91791	Web
I used to have a pre-paid XXXX account, consisting of top up cards. There was never actual XXXX in contact with me. The claims of my current balance with there collection agency are false.
10/04/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MO 64133	Web
We have an important message from debt Recovery Solutions. This call is from a debt collector. Please call XXXX XXXX. That number again is XXXX XXXX. Thank you. Date XXXX at XXXX XXXX
03/07/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33311	Web
The billing address is incorrect on the billing statement I never stay at the address shown on the bill the account is not mines. I never received notice of any bill due for any service
02/24/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60901	Web
I recently got a letter from Debt Recovery Solutions LLC saying I have a debt for {$890.00}. This debt doesnt belong me I havent done business with this company for me to have a debt.
04/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CO 800XX	Web	Servicemember
I received a notice that Debt Rec Sol for {$1300.00} opened on XX/XX/2018 and reported on XX/XX/2018. I have not opened any accounts for this amount and have no record of this company.
02/08/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MD 206XX	Web
Hi I recieved a bill that was orginally from XXXX hospital, the bill is for my sister XXXX. I am not her guardian or parent and I am not responsible for that bill my father should be.
09/25/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33604	Web
I do not have a contract with Debt Recovery Solutions and I never had one with them. I do not owe this debt nor do I own it. This account was already deleted from the other bureaus.
01/11/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02301	Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
08/06/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02122	Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
11/11/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	FL 33032	Web
I was making payments on the loan and finished paying it off a year or two after loan was paid i was receiving calls that i still had a balance on the loan which was paid in full
09/15/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MD 207XX	Web	Servicemember
I am a veteran widow whom is a recipient of Maryland State Medicaid and have been for several years. Therefore, the State is responsible for my health bills at XXXX cost to me.
08/17/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 91730	Web
I have tried to get Information on original contract and history signatures. Nothing in writing is supplied that makes debt valid that I am liable. The company is DRS XXXX.
10/12/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 710XX	Web
Debt recovery Solution LLC. ref # XXXX Pin # XXXX XXXX XXXX XXXX failed to file with my insurance company. Is issue was dispute a yr ago and keep reoccurring each year.
12/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MO 63130	Web
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNT WAS FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX
01/09/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 761XX	Web	Servicemember
Disputed spring 2019, this debt via the credit bureau not validation of how the debt was verified, received a letter stating it was varied and will remain on my report.
08/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95838	Web
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
06/06/2021	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	GA 30281	Web
I have filed a dispute in regards to the incorrect items listed on my credit report. Its been well over 45days and I still have not received any investigation results.
11/16/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NV 89118	Web
There is an unknown account that was just reported on my personal credit file that is unknown to me. This is a mistake as I do not owe anybody this amount. Pleaes help
08/24/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89120	Web
I have informed this company several times this is NOT my debt I have not been to XXXX XXXX Hospital and have GREAT insurance that covers all my cost. THIS IS NOT MINE
04/13/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 324XX	Web
The dispute of this debt was going to be justified by XXXX They removed it from my credit. The company than sold it to another and placed it back on my credit report.
12/14/2019	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	WI 535XX	Web
On XX/XX/2019 I sent Debt Recovery Solution a certified verification and validation letter. They did not respond. Therefore I want the collection removed immediately.
03/10/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	MD 20748	Web
this is a fraudulent account that I did not open and is still being reported and collected on .... that needs to be removed ... this was from my identity being stolen
06/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	DE 197XX	Web
Debt collector says I owe a phantom bill. XXXX ca n't tell me where bill came from. Bill was nonexistent until XXXX 2014. No one can say when incurred and for what.
10/10/2020	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 33604	Web
XXXX XXXX XXXX XXXX I noticed an collection without notice!! I have never did business there is no contract Between me and this agency! I do not owe this company
08/22/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30236	Web
I disputed it and they had denied it this is not me I have health insurance and do not go to XXXX emergency rooms when I have XXXX and only go to there locations
01/15/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	MS 39401	Web
I never received any correspondence from this company to advise me of this account. I found out when I received an alert when it was added to my credit reports.
12/11/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 027XX	Web
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on
11/25/2020	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 78244	Web
i have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i have yet to receive any investigation results.
06/09/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77355	Web	Servicemember
Im a XXXX veteran and receive all of my medical care through the VA. But I had an emergency room visit, which the VA is suppose to cover. XXXX XXXX XXXXXXXX
09/29/2021	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	IL 604XX	Web
i have filed a dispute in regard to the incorrect items on my credit report... it has been well over 30 days and i have not received any investigation results
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 Investigation took more than 30 days	NJ 07017	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
03/18/2021	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	OH 43614	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
07/05/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TN 37217	Web
This company Debt Solutions never sent me a Dunning Notice upon receiving the debt in XXXX 2016. They just placed a collection account on my credit report.
11/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 306XX	Web
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
05/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 604XX	Web
i demanded that the following accounts be removed from my credit report : Debt recovery solutions account # XXXX, debt recovery solutions account # XXXX
01/17/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 770XX	Web
I have been double covered with insurance during that time through XXXX and XXXX under my parents legally. I think this should be looked at and removed.
02/23/2021	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 XXXXX	Web
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
11/27/2020	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	CT 06810	Web
The company has removed the debt and replaced the debt with new more recent dates as to never have the debt removed from my credit after so many years.
06/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 07017	Web
Debt was already paid to XXXX. This collection agency keeps adding this balance to my credit report which is negatively affecting my score and history.
11/11/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	DC 20032	Web
This is not my account, my credit file has been frozen since XXXX or XXXX of 2021, therefore this account should not have been OPENED... THIS IS FRAUD
09/20/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33404	Web
No actions was taken still showing up on my credit report the date the name of the company is debt solutions I have kno knowledge of these 2 accounts
07/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	KS 667XX	Web
I check my credit and found a collection from DEBT RECOVERY SOLUTION. They had never sent me a validation letter or anything and put it on my credit.
07/28/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77021	Web
DEBT RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Debt Recovery is trying to collect this debt it does not belong to me.
11/26/2023	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	OK 74017	Web	Servicemember
I do not owe no debt to debt recovery solutions , llc!!!! I have paid off my student loan debt to u.s. department of education i FULL {$8000.00}.
08/26/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Received a loan you didn't apply for	CA 903XX	Web	Servicemember
Around the date XX/XX/2023 a collection agency reported an account that Ive never opened or applied for. I would like this account to be removed.
08/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10466	Web
There are 2 derogatory marks on my report from XXXX, that went into collection. That arent my mine. I never had an account with XXXX in my past.
07/21/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34746	Web
Today XX/XX/2023. I see a derogatory mark on my credit report. Company : Debt recovery solutions XXXX : {$3700.00} XXXX XXXX : XXXX XXXX XXXX.
06/16/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76134	Web
On XX/XX/2019 dept recovery solutions file on my credit I owe them {$680.00}. I do not I have never done business with the company ever before.
02/27/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 79924	Web
Never received any notice of debt to pay just appeared on my credit report. The amount is XXXX but I never received treatment at this facility.
02/20/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77365	Web	Servicemember
I have already submitted a dispute through XXXX and XXXX. The debt has not been removed from the XXXX report, but has been removed from XXXX.
03/24/2022	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 Was not notified of investigation status or results	TX 77090	Web
Requested validation of debt and received no response. Requested for debt to be removed from credit due to no validation without a response.
04/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77301	Web
DEBT REC SOL is claiming that I owe them {$80.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
04/23/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	LA 70043	Web
I am completely unaware of this collection agency. I was never notified about an attempt to collect a debt. The debt has not been verified.
08/24/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77065	Web
Ive asked on several times for validation of this debt. And never received anything from this company that validate this debt belong to me.
12/20/2020	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 78244	Web
I have filed a dispute in regards to incorrect information on my credit report. It has been over 30 days and I haven't received a response
11/30/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	VA 23860	Web
This company called my grandmother " looking '' for me and attempted to collect information about me. This is unethical and inappropriate.
01/08/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 77038	Web
ON XX/XX/2022 I CHECKED MY CREDIT AND IT WAS FLAGGED BY DEBT RECOVERY THEY ARE CONTACTING ME AND I'VE ASKED THEM SEVERAL TIMES TO STOP
04/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77088	Web
XXXX is claiming that I owe them {$650.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
10/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 781XX	Web
I do not recall this debt, please verify. Also, please verify statue of limitations and cease negative reporting to credit bureau.
03/07/2021	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 75216	Web
Debt Recovery Solutions is report my account as past due to all 3 credit reporting agencies and this account is already PAID
07/09/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 326XX	Web
This debt in amount of XXXX. Was paid in full on XXXX. This is XXXX different company XXXX sold bill too and XXXX was PAID.
08/07/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60201	Web
Debt was purchased for profit and is not valid or verfified, company is also in voliation of FDCPA, FCRS and CONSUMER LAWS.
11/04/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	TX 78550	Web
Debt resulted from a misrepresentation of a company employee. Information regarding debt and reporting dates are incorrect.
09/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30014	Web
Theres a account open in my name on XX/XX/2022 with a balance of {$290.00} that I did not authorize nor request to be open
03/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	ID 83835	Web
Debt recovery solutions sent an unsolicited debt recovery notice from XXXX XXXX. Have never sought credit from XXXX XXXX.
10/23/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 322XX	Web
Spoke with representative about being a victim of false credit reporting and customer service refused to take care of it.
05/27/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 63135	Web
On XX/XX/XXXX I sent out a Debt validation latter to Debt Rec Sol for the amount of XXXX and still nothing from them.
06/29/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 61107	Web	Older American
Sent letter stating I need original contract and from original creditor and signed by both parties. Did not produce.
12/05/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CT 06854	Web
The company by the name of XXXX XXXX XXXX keeps re-aging the debt to make it looks current. In this case it is not.
07/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	NY 11203	Web
I 'm a victim identity theft and someone open accounts in my name this account was removed befor and now it 's back
04/24/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75149	Web
This collection does not belong to me someone used my name and personal information to receive hospital treatments
01/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 342XX	Web
This debt collector represents an inactive debt and is duplicate reporting. XX/XX/2020. XXXX XXXX XXXX. {$1200.00}
02/10/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33069	Web
I keep disputing and the debt collector removes then add it back to my credit report. My Identity has been stolen.
05/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 334XX	Web
Debt recovery solutions llc has attempted to collect a debt that is not mine and has been removed multiple times.
03/07/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33312	Web
This is a unverified debt i ask the company to show proof of the debt belonging to me I never received the proof
10/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33809	Web
There is a collection which is NOT mine, I do not owe on any medical for {$1300.00} please help me this is crazy
06/22/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN XXXXX	Web	Servicemember
This collection appeared on my account with no known information. I have never done business with this company.
05/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 604XX	Web
i demanded that the following account be removed from my credit report : debt recovery solutions account # XXXX
06/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 10453	Web
the debit is from XXXX for an XXXX XXXX not my self and have spoken to them and debit recovery solutions
10/23/2021	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	GA 318XX	Web
This is a clear inaccuracy and a clear violation against my rights, Please take this off from my credit
06/08/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 61107	Web	Older American
I was in car accident attorney settled with Hospital. I had insurance was a victim of hit and run.
02/14/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MA 02760	Web
Unknown company and unknown debt, please help I have disputed this and nothing has come out of it.
04/05/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	KS 662XX	Web
No such medical debt is owed for {$690.00} this is a mistake I tried to dispute with no outcome
08/12/2021	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	GA 302XX	Web
The debt is too old and has expired and was not supposed to be placed into a collection agency
07/18/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75287	Web
I AM A VICTIM OF ID THEFT, SOMEONE USED MY PERSONAL INFORMATION TO OBTAIN MEDICAL SERVICES.
12/03/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web
This debt doesn't belong to me. I have no knowledge of this debt collection whatsoever.
02/23/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77433	Web
Debt Recovery Solutions LLC claims I owe I debt I do not owe for {$960.00} from 2016.
01/09/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 761XX	Web	Servicemember
XX/XX/2019 this debt appeared on my credit report. I have no knowledge of this debt.
06/07/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	LA 701XX	Web
Disputed in XX/XX/2021 for {$200.00}, removed from credit report now it is back on.
08/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33312	Web
Keep removing and returning back to my credit Ive been dealing with this for years
03/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10025	Web
I told them that this debt isnt mine and to provide proof. They did not do it.
06/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	NY 11203	Web
I 'm a victim of identity theft and someone opened up accounts in my name
04/12/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77073	Web
called company and they were very rude ... ... debt is not mines ... ...
03/09/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WI 53206	Web
Please validate these accounts, after disputed came back as accurate.
07/17/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
This debt does not belong to me, please delete from my credit profile
03/27/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 394XX	Web
False collection on my credit report making my interest rates go up.
08/19/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30286	Web
XX/XX/2023 {$730.00} Not the correct amount or account information!
11/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31406	Web
Credit Reporting Agencies and Collection Agencies violated the Law.
07/18/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 75159	Web
I was charged for medical expenses that were paid for by insurance.
06/27/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IN 46312	Web
Account XXXX was included in my bankruptcy I do not owe this bill.
07/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	IL 60445	Web
VIOLATION OF TCPA WAS TOLD TO CEASE AND DESIST IN XXXX/XXXX/2014
02/16/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY XXXXX	Web
The company should be able to claim a loss and do a wright off
03/10/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 310XX	Web
XX/XX/2016 debt paid off through low income financial funding
05/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33607	Web
accounts on my accounts on my credit reports thats not mine.
04/22/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 336XX	Web
this company has a collection on my credit that is not mines
05/22/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	RI 02895	Web
i keep receiving calls from a debt i told them is not mine
03/24/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NY 11779	Web	Older American
I have no idea where this collections is coming from.
11/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 239XX	Web
I do not know who this company is. I do not owe this
06/08/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 61107	Web	Older American
XXXX XXXX XXXX settled wit Hospital per my attorney.
12/30/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	OK 740XX	Web	Servicemember
Fraudulant account the result of Identity Theft
07/27/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 34652	Web
This is incorrect information not mine.
09/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IL 605XX	Web
I do not owe this company money!!!!!
08/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33073	Web
I have no knowledge of this account
08/05/2016	Yes	Debt collection I do not know	False statements or representation Impersonated an attorney or official	VA XXXXX	Web
My cfpb information is falsified.
07/03/2015	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	MD 21133	Web
Debt it not valid.
10/18/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77407	Web
Debt not mine
02/11/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	UT 84405	Web

02/11/2024	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 76018	Web	Servicemember

02/11/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30316	Web

02/09/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10463	Web

02/09/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 76244	Web

02/08/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IL 608XX	Web

02/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48185	Web

02/08/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 78154	Web

02/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90027	Phone

02/06/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 44118	Web

02/03/2024	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	SC 29223	Web

02/01/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 39273	Web

01/28/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MO 63143	Web

01/28/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	TX 77026	Web

01/26/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77840	Web

01/26/2024	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	ID 83402	Web

01/26/2024	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07712	Web

01/26/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 44077	Postal mail

01/24/2024	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 92392	Web

01/23/2024	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL XXXXX	Web	Servicemember

01/22/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 751XX	Web

01/22/2024	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33311	Web

01/20/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33907	Web

01/20/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 945XX	Web

01/20/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75071	Web

01/19/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29229	Web	Servicemember

01/17/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77084	Web

01/11/2024	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 92101	Web	Servicemember

01/10/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN XXXXX	Web

01/10/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 63033	Web	Servicemember

01/09/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78626	Web

01/09/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	KY 42240	Web

01/06/2024	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29169	Web	Servicemember

01/04/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web

01/03/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 95833	Web

01/03/2024	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	TX XXXXX	Web

01/03/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89104	Web

12/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75501	Web

12/28/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	IN 465XX	Web

12/24/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 75501	Web

12/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10710	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30305	Web

12/15/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77489	Phone	Older American

12/14/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78237	Web

12/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 79835	Web

12/02/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29036	Web	Servicemember

12/01/2023	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	PA 15003	Web

11/28/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 36460	Phone

11/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 48092	Web

11/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91706	Web	Servicemember

11/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76063	Web

11/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34668	Web

11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77578	Web

10/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44128	Web

10/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 62901	Web

10/30/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23112	Phone

10/30/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 94536	Web	Servicemember

10/26/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 77429	Web

10/26/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 95833	Web

10/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33414	Web

10/24/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 79922	Web

10/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 45255	Web

10/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 15425	Postal mail

10/16/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75075	Web

10/09/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OH 45440	Web	Servicemember

10/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32503	Web

10/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77385	Web

10/05/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 19132	Web

10/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76001	Web

09/26/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77598	Web

09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38125	Web

09/21/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 76002	Web

09/20/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	KY 40505	Web

09/20/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	WI 53532	Web

09/19/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	UT 84047	Web

09/18/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 75126	Web

09/18/2023	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	OH 43612	Web

09/13/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 76002	Web

09/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19149	Web	Servicemember

09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32459	Web

09/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 08618	Web

08/31/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30813	Web

08/30/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	OH 45255	Web

08/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 44124	Web

08/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30013	Web

08/17/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 44127	Web

08/15/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 77032	Web

08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 751XX	Web

08/13/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 38107	Web

08/10/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 90241	Phone

08/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48088	Web

08/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29061	Web

08/08/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	MD 20744	Web	Servicemember

08/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33056	Web

08/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 79764	Web

08/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95820	Web

08/05/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 75001	Web

07/28/2023	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	FL 33973	Web

07/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70726	Web

07/23/2023	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	OH 45417	Web

07/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 38116	Web

07/18/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	IL 60647	Web

07/14/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TN 37036	Web

07/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92115	Web

07/12/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	OH 45239	Web

07/11/2023	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	FL 34488	Web

07/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78526	Web

07/06/2023	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

07/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43608	Phone

07/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32773	Web

06/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93313	Web

06/27/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 31605	Web

06/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29651	Web	Servicemember

06/21/2023	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	OH 44287	Phone

06/20/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TN 37115	Web

06/17/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90807	Web

06/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70570	Web

06/09/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33168	Web

06/09/2023	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 94534	Web

06/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 76140	Web

06/07/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 92708	Postal mail

06/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76244	Web	Servicemember

06/06/2023	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	MI 48206	Web

05/31/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33971	Web

05/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70426	Web

05/24/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 38109	Web

05/24/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23231	Web

05/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30339	Web

05/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33510	Web

05/22/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	FL 33967	Phone	Older American

05/21/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 75006	Web

05/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29406	Web

05/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48221	Web

05/17/2023	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TX 75703	Web

05/15/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 21221	Web

05/14/2023	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MI 48642	Web

05/09/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32967	Web

04/28/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77706	Web

04/26/2023	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 Investigation took more than 30 days	CA 92108	Web	Servicemember

04/18/2023	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	CA 90631	Web

04/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 44139	Web

04/12/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07018	Web

04/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70052	Web

04/05/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75124	Phone	Servicemember

03/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78723	Web

03/29/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 48376	Web

03/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37211	Web

03/27/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02124	Web

03/24/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95503	Web

03/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	PA 17543	Web	Servicemember

03/18/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 37082	Web

03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91701	Web

03/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37040	Web

03/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07107	Web

03/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 85013	Web

02/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70049	Web

02/25/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 95833	Web

02/22/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NC 28216	Web

02/10/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NC 27520	Web

02/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78634	Web

02/10/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75065	Web

02/02/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 48911	Web

02/01/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76148	Web

01/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22303	Web

01/28/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	VA 23502	Web

01/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60805	Web

01/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KS 66441	Web

01/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95207	Web	Servicemember

01/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30052	Web

01/23/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32771	Web

01/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 79412	Web

01/14/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33624	Web

01/05/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	UT 84404	Web

12/21/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78046	Web

12/15/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 11220	Web

12/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	DE 19805	Web

12/14/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77063	Web

12/08/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 48187	Web

12/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MS 39750	Web

11/29/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 78109	Web

11/24/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28027	Web

11/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28226	Web

11/04/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77396	Web

11/04/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29681	Web

10/30/2022	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	IN 47201	Web

10/27/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33770	Web

10/26/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33135	Web

10/19/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30082	Web	Servicemember

10/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48223	Web

10/13/2022	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	OH 45251	Web

10/01/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33324	Web

09/30/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32459	Web

09/28/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60617	Web

09/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	OK 73159	Web

09/22/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 20148	Web	Servicemember

09/22/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 20148	Web	Servicemember

09/21/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33064	Web

09/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	UT 84041	Web

09/16/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	CA 91764	Web

09/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 62234	Web

09/14/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	SC 29070	Web

09/13/2022	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	GA 30238	Web

09/11/2022	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	LA 70043	Web

09/07/2022	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	VA 23224	Web

09/06/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	TX 77493	Web

09/04/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32548	Web

09/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30328	Web

09/03/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37076	Web

08/16/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77304	Web

08/16/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	VA 24141	Phone

08/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 31204	Web

08/06/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	HI 96815	Web

08/04/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 38141	Web

08/04/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77584	Web

07/23/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AL 36608	Web

07/21/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77075	Web

07/21/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33592	Web

07/20/2022	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	SC 29720	Web

07/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78233	Web

07/16/2022	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	FL 33162	Web

07/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 20165	Web

07/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37210	Web

06/28/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	KY 40272	Web

06/24/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	WA 98862	Web

06/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29456	Web

06/20/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	KY 40601	Web

06/13/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33311	Web

06/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77494	Web

06/09/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	AL 35211	Web

06/09/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	VA 20147	Web

05/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 08090	Phone

05/22/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 11791	Web

05/11/2022	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 94612	Phone	Servicemember

04/24/2022	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77004	Web

04/20/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 75033	Phone

04/12/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77065	Web

04/11/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30260	Web

04/08/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 31533	Web

03/24/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77073	Web

03/23/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77494	Web

03/14/2022	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 75202	Web

03/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30309	Web

03/06/2022	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	IL 62526	Web

03/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70509	Web

03/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75019	Web

03/01/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77494	Web

02/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36877	Web

02/25/2022	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	AL 35613	Web

02/22/2022	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TN 37042	Web

02/15/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23803	Web

02/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33025	Web

02/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75067	Web

01/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23237	Web

01/18/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	KS 66213	Web

01/11/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 78043	Web

12/26/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 32857	Web

12/22/2021	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 35055	Web

12/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AR 72513	Web

12/01/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 78108	Phone	Servicemember

11/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43211	Web

11/29/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78758	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	FL 33068	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

11/22/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MI 48091	Web

11/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77388	Web

11/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 93611	Web

11/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77095	Web

11/16/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77083	Web

11/11/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76110	Web

11/09/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NM 87105	Web

11/09/2021	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 Investigation took more than 30 days	VA 23803	Web

11/06/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34608	Postal mail

11/03/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 76543	Web

11/01/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78047	Web

10/29/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11772	Web

10/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	FL 33647	Web

10/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37040	Web

10/24/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34606	Web

10/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19124	Web

10/20/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34747	Web

10/20/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 28278	Web	Servicemember

10/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33435	Web

10/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 38668	Web

10/10/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34234	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

10/03/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30180	Web

09/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30349	Web

09/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MS 39157	Web

09/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78414	Web

09/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78521	Web

09/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78526	Web

09/20/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CT 06606	Web

09/13/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 64119	Web

09/11/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 10456	Web

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	IL 60638	Web

09/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	AL 36067	Web

09/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 92325	Web	Servicemember

08/29/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	FL 33872	Web

08/24/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 12601	Web

08/20/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 95136	Phone

08/18/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29464	Web

08/15/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75189	Web	Servicemember

08/07/2021	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 78559	Web

08/02/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 45229	Web

07/30/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account information incorrect	VA 24592	Phone	Older American

07/29/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	CA 92253	Web

07/27/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 39823	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 Their investigation did not fix an error on your report	TX 78566	Web

07/21/2021	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 90059	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

07/08/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 37405	Web

07/03/2021	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 78228	Web

07/02/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29048	Web

06/30/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31088	Web

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 76002	Web

06/29/2021	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

06/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77502	Web

06/26/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77079	Web

06/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30228	Web

06/21/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33853	Web

06/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70538	Web

06/17/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TN 37031	Web	Servicemember

06/15/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 32763	Web

06/11/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	FL 32218	Phone	Older American

06/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95824	Web

06/06/2021	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	GA 30281	Web

06/05/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70501	Web

06/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76006	Web

06/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76133	Web

06/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89147	Web

05/26/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 28358	Web

05/26/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 76548	Web

05/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32114	Web

05/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77504	Web

05/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32807	Web

05/14/2021	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	AZ 85382	Web

05/10/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web

05/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 31602	Web

05/03/2021	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	IL 60901	Web

05/01/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33138	Web

04/28/2021	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	FL 33415	Web

04/27/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77545	Web

04/22/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30349	Web

04/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95330	Web

04/21/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32305	Web

04/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 62035	Web

04/14/2021	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	FL 32569	Web

04/09/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	FL 34711	Web

04/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77027	Fax

04/06/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 91106	Web

04/01/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

03/29/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 44321	Web

03/29/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 75033	Web

03/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44121	Web

03/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77531	Web	Servicemember

03/20/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33023	Web

03/18/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77043	Web

03/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32819	Web

03/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38018	Web

03/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70810	Web

03/11/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43081	Fax	Older American

03/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77077	Web

03/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43235	Web

02/25/2021	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 Difficulty submitting a dispute or getting information about a dispute over the phone	TX 76180	Web

02/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85262	Web

02/20/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77708	Web

02/17/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75773	Web

02/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77573	Web

02/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95209	Web

02/16/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 11434	Web

02/10/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours		Phone

02/08/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78210	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 77545	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

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 77515	Web

02/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75067	Web

02/01/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	FL 33404	Web

01/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 62234	Web

01/28/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 34473	Web

01/27/2021	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	FL 33545	Web

01/25/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 45211	Web

01/19/2021	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	GA 30213	Web

01/17/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MD 20659	Web

01/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CT 06704	Web

01/15/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 11561	Web

01/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34208	Web

01/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

01/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	UNITED STATES MINOR OUTLYING ISLANDS 95833	Web

12/30/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30277	Web

12/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33321	Web

12/26/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 45238	Web

12/26/2020	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	MO 63028	Web

12/24/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 78045	Web

12/21/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75215	Web

12/20/2020	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	VA 23513	Web

12/17/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	PA 15085	Web

12/16/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OH 45239	Web

12/15/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 64133	Web

12/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77373	Web

12/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92562	Web

12/03/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 34473	Web

12/01/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77316	Web

11/27/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TN 37013	Fax

11/16/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93550	Web

11/11/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77373	Web

11/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21117	Web

11/09/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NV 89101	Fax

11/06/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 33161	Web

11/03/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 38128	Fax

11/03/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77407	Phone

10/29/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10801	Fax

10/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07002	Fax

10/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77088	Web

10/27/2020	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	AK 99502	Web

10/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48201	Web

10/20/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31014	Web

10/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30281	Web

10/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77373	Web

10/17/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94589	Web

10/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77036	Web

10/15/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 45239	Web

10/14/2020	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	XXXXX	Web

10/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77573	Web

10/14/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33679	Web

10/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 35806	Web

10/11/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 45205	Web

10/08/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 79606	Phone	Servicemember

10/02/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32746	Web

10/01/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	VA 23455	Postal mail

09/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77515	Web

09/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78239	Web

09/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70811	Web

09/24/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 79606	Phone	Servicemember

09/15/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90044	Web

09/11/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 64133	Web

08/28/2020	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	FL 33161	Web

08/27/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NC 28269	Web

08/27/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11422	Web

08/26/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 23455	Referral

08/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33317	Web

08/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37075	Postal mail

08/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MA 02558	Web

08/14/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 45342	Web

08/07/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75653	Postal mail

07/31/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89102	Web

07/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33312	Web

07/27/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	OH 45373	Web

07/23/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78504	Web

07/22/2020	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	IL 60612	Web

07/17/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 64133	Web

07/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AR 71603	Web	Servicemember

07/09/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 34484	Web

07/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32905	Web

07/06/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 13669	Web

06/30/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32763	Fax

06/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33311	Web

06/26/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33064	Web

06/22/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92882	Web

06/20/2020	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	NJ 07474	Web

06/19/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 44307	Fax

06/19/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 94510	Phone

06/16/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33311	Web

06/14/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33647	Web

06/09/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29569	Postal mail

06/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32817	Web

06/03/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NV 89123	Referral

05/28/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	OH 45150	Web

05/27/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 71106	Web

05/19/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77016	Web	Servicemember

05/15/2020	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	LA 70802	Web

05/09/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	LA 70123	Web

05/09/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 20876	Web

05/08/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37167	Web

05/04/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78573	Web

05/03/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78573	Web

04/27/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TN 37209	Web

04/27/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 31014	Web

04/24/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA 70815	Web

04/22/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33179	Web	Servicemember

04/18/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60473	Web

04/18/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 93722	Web

04/16/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 20105	Web

04/14/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 31014	Web

03/29/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 92517	Web

03/29/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 92517	Web

03/22/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 70508	Web	Servicemember

03/17/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	DC 20016	Web

03/12/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78108	Web

03/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33441	Fax

03/11/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07407	Web

03/05/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70663	Web

03/03/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77057	Web

03/02/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	DE 19808	Web

02/29/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 79607	Web	Servicemember

02/27/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	LA 70122	Web

02/26/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78108	Web

02/19/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 28212	Postal mail

02/13/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 45255	Web

01/26/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77090	Web	Servicemember

01/23/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 89121	Postal mail

01/08/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10016	Web

01/07/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	FL 33916	Web

01/02/2020	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying		Phone	Older American

12/30/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	AL 35215	Web

12/20/2019	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official		Phone	Servicemember

12/11/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MA 02121	Web

12/07/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	OK 74429	Web

12/03/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours		Phone

10/27/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60609	Web

10/14/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	ND 58704	Web	Servicemember

10/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28212	Web

10/09/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32277	Fax

09/17/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 22180	Referral

09/10/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30263	Web

09/09/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33486	Web

08/22/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	LA 70114	Web

08/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WY 82009	Web

08/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33312	Web

07/30/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11226	Web

07/30/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	GA 30021	Web

07/23/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77904	Web

07/17/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OK 73099	Web

07/10/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33433	Web

07/09/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23607	Web

07/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90250	Referral

07/09/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60629	Web

07/05/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23832	Web

07/03/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30815	Web	Older American, Servicemember

07/01/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 788XX	Web	Servicemember

06/30/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WA 98178	Web

06/30/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70128	Web

06/22/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27612	Web

06/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 22601	Web

06/13/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	KS 66112	Web

06/03/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 34604	Web

05/31/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CT 06708	Postal mail

05/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 16103	Postal mail

05/26/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 89031	Web

05/20/2019	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	FL 33983	Web

05/18/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 11510	Web

05/16/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	CA 95926	Web

05/15/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

05/15/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32828	Web

05/15/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 90006	Referral

05/05/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 70122	Web

05/02/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77459	Web

05/02/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30309	Phone

05/02/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 20772	Web

05/01/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37921	Postal mail

04/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76502	Web

04/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 22193	Phone

03/22/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 60927	Web

03/19/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 89031	Web

03/19/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 75002	Web

03/14/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 94603	Web

03/09/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33179	Web

03/09/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 94565	Web

03/06/2019	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 77429	Web

03/05/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77028	Web

03/01/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 75240	Web

02/24/2019	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	FL 33611	Web

02/20/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20706	Phone	Older American

02/18/2019	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	PA 15214	Web

02/11/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 78342	Web	Servicemember

02/09/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 70122	Web

02/09/2019	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 78045	Web

01/30/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 95035	Web

01/14/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	RI 02832	Web

12/26/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34953	Web

12/20/2018	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	WI 53051	Web

12/13/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CT 06032	Phone

12/13/2018	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	AL 36330	Phone

12/04/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AL 35401	Web

12/04/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30331	Phone	Older American

11/18/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 35773	Web

11/15/2018	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	NJ 07103	Web

11/14/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33411	Referral

11/01/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77065	Web

10/26/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TN 37216	Web

10/22/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44130	Web

10/18/2018	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 Was not notified of investigation status or results	DE 19805	Web

10/15/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11223	Web

10/12/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08817	Web

10/10/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 94557	Web

10/08/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 21133	Web

10/05/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33028	Web

10/04/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 34744	Web

10/01/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 75203	Web

10/01/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30213	Web

09/26/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 37174	Web

09/01/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	WI 53206	Web

09/01/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75202	Web

08/24/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 20774	Referral

08/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DC 20032	Referral

08/16/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75104	Web

08/12/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 64138	Web

08/08/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11225	Referral

08/08/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IN 46168	Web

08/06/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 34741	Web

08/06/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90302	Web

08/06/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07073	Fax

08/05/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 64130	Web

08/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 35007	Web

08/01/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30331	Phone	Older American

07/30/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	VA 22546	Web

07/23/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	HI 96726	Web

07/22/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07072	Web

07/17/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28052	Fax

07/11/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75134	Web

07/10/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 90011	Web

07/09/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77007	Web

07/06/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 20721	Referral

07/03/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94709	Web

06/25/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 08086	Web	Servicemember

06/19/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19149	Web

06/18/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 07035	Web

06/18/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IA 50501	Web

06/01/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89052	Web

05/26/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 77586	Web

05/23/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 31404	Web

05/23/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MA 02139	Postal mail

05/18/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TN 37130	Postal mail

05/11/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 14129	Web

05/07/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 20876	Web

05/02/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07719	Web

04/24/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 21133	Referral

04/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 17401	Web

04/23/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11231	Web

04/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07108	Fax

04/16/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77063	Web

04/11/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19119	Phone

04/01/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60064	Web

03/26/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	VA 23847	Web

03/23/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IA 50138	Web

03/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	VA 23832	Web

03/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07712	Fax

03/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33579	Fax

03/15/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 19119	Postal mail

03/15/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34997	Fax

03/14/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34205	Referral

03/14/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 44077	Phone

03/13/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 43204	Web

03/09/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MI 49256	Web

03/09/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NV 89081	Web

03/08/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 31301	Web

03/05/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 17745	Web

03/03/2018	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	CA 90039	Web

02/27/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 75060	Web

02/26/2018	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	TX 77630	Web	Servicemember

02/26/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32137	Web

02/23/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 31501	Web

02/20/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 33615	Web	Servicemember

02/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07047	Web

02/08/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 11377	Web

02/07/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 45002	Web

02/07/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60827	Web

02/06/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	LA 70043	Web

02/05/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20772	Web

02/05/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32208	Phone

02/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33823	Web

02/04/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	VA 22407	Web

01/30/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32832	Web

01/25/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07712	Fax

01/24/2018	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	IL 60645	Web

01/07/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	RI 02895	Web

01/04/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77433	Web

01/02/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76108	Web

12/26/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	LA 70562	Web	Servicemember

12/13/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33317	Web

12/13/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33317	Web

12/12/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33594	Web

12/08/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77433	Web

12/02/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OR 97415	Web	Servicemember

12/01/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 53218	Web	Servicemember

11/19/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	CA 93727	Web

11/15/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

11/15/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 28166	Postal mail

11/12/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NV 89074	Web

11/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23225	Web

11/08/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	RI 02895	Web

11/02/2017	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	OH 45247	Web

10/31/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11209	Web	Servicemember

10/25/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11385	Postal mail

10/23/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MI 48442	Web

10/21/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 02748	Web	Servicemember

10/18/2017	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	PA 19143	Web

10/17/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NE 68128	Web

10/13/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 21229	Web

10/12/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11710	Web

10/11/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IA 50501	Web

10/02/2017	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	NC 28204	Web

09/27/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23229	Web

09/13/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21122	Web

09/06/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CO 80911	Web	Servicemember

09/05/2017	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	MD 21029	Web

08/23/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 21117	Web

08/18/2017	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	MD 21703	Web

08/16/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 34997	Web	Servicemember

08/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	MA 02601	Web	Servicemember

08/12/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77449	Web

08/11/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 92835	Web

08/07/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34759	Web

08/04/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 12484	Postal mail

07/24/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 76543	Web	Servicemember

07/22/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34668	Web

07/21/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt		Phone

07/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32408	Web

07/08/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 74134	Web

07/07/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid		Phone

07/04/2017	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	CA 95763	Web

07/03/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21041	Phone

06/27/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 33026	Web

06/26/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11370	Postal mail

06/25/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 23455	Web

06/09/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90740	Web

06/08/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 33414	Web

06/05/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 07503	Phone

05/11/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 10901	Web

04/27/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	OK 73834	Postal mail

04/27/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NV 89128	Web

04/25/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11801	Referral

04/25/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 07002	Web	Servicemember

04/17/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 20878	Web

04/14/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	DE 19702	Web

04/09/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NY 11209	Web

04/04/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	LA 70361	Web

04/04/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75056	Web

04/03/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	PA 19153	Web

03/30/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	KS 66204	Web

03/27/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	VA 22305	Web

03/26/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77096	Web

03/22/2017	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	MI 48422	Web

03/15/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 15212	Web

02/28/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NV 89128	Web

02/23/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MD 20708	Web

02/21/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 14607	Referral

02/13/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 90815	Web

02/07/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33023	Web

02/03/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 92506	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	CA 90071	Web

01/17/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 11561	Phone

01/04/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11510	Postal mail

12/14/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 22032	Web

12/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 30349	Web

12/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 17103	Web

12/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MD 21401	Web

12/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75034	Web

12/07/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	AZ 85201	Referral

12/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	CA 92656	Fax	Older American

12/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 14105	Web

11/28/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened to sue on too old debt	VA 23235	Web

11/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10031	Postal mail

11/09/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 43013	Web

11/07/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33315	Web

11/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	VA 24244	Web

11/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30013	Web

10/07/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	MD 21401	Web

10/01/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30738	Web	Older American

09/28/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NY 10002	Postal mail

09/27/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NY 10002	Referral

09/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 07621	Web

09/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 33547	Web

09/15/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MD 20769	Web	Servicemember

09/15/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MD 20769	Web	Servicemember

09/14/2016	Yes	Debt collection Auto	Improper contact or sharing of info Contacted me instead of my attorney	WA 98002	Web

09/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	VA 23359	Referral

09/08/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	CA 94619	Web

09/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 43013	Web

08/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	FL 33624	Referral

08/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 15601	Web	Servicemember

08/25/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NY 10465	Web

08/19/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	OH 45107	Web

08/18/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	WI 53590	Web

08/18/2016	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	NV 89027	Web

08/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	TX 77584	Web

08/17/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11231	Web

08/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 33261	Web

08/05/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	DC 20020	Web

08/02/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MO 63136	Phone

07/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	RI 02903	Web

07/29/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	MD 21740	Web

07/27/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33063	Web

07/19/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AZ 85704	Web

07/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 10469	Web

07/13/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NY 10031	Postal mail

07/08/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MD 20774	Web	Older American

07/06/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 76018	Web

07/05/2016	Yes	Debt collection Auto	Disclosure verification of debt Right to dispute notice not received	IL 60649	Phone

06/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 10994	Referral

06/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MO 63136	Web

06/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 11215	Web

06/08/2016	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	NY 11229	Web	Servicemember

05/24/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 92345	Web	Older American

05/02/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MD 20878	Web

04/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11213	Referral

04/28/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 19120	Web

04/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MN 55104	Referral

04/01/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 13416	Web	Servicemember

03/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MD 21045	Phone

03/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 08610	Phone

03/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 15762	Web

03/15/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	MD 20634	Web

03/08/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11691	Web

03/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10009	Referral

03/01/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MD 20774	Web

02/24/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MD 20640	Postal mail

02/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 10011	Phone

02/15/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	TX 77083	Web

01/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AR 71913	Web

01/12/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	MD 20744	Web

01/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 11210	Web

01/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	PA 18045	Postal mail	Servicemember

01/04/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33556	Web

12/24/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33116	Web	Servicemember

12/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	MA 02130	Web

12/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NJ 07945	Postal mail

11/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92371	Web	Older American

11/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 75067	Web

11/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33467	Referral

10/21/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	GA 31569	Web	Servicemember

10/12/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 75208	Web

09/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	DE 19975	Phone

09/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 19133	Phone

09/08/2015	Yes	Payday loan	Payment to acct not credited	TX 77045	Web

09/01/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	LA 70084	Phone

08/14/2015	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	MD 21012	Web

08/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	IL 60156	Web

07/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 45414	Referral

07/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	IL 60620	Web	Older American

07/22/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 45323	Web	Older American, Servicemember

07/20/2015	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	TX 77084	Web

07/16/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OR 97760	Phone	Older American

07/01/2015	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	TX 78947	Postal mail

06/28/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	NV 89147	Web

06/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 32137	Web

06/17/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NM 87114	Phone	Older American

06/16/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NY 11510	Postal mail

06/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10035	Referral

06/04/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	OH 45812	Web

05/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 07746	Web

05/13/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 45039	Web	Older American, Servicemember

05/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 34639	Phone

04/29/2015	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was paid	NJ 07062	Referral

04/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11221	Web

04/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	PA 15531	Web

04/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 23220	Web

04/09/2015	Yes	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	CA 95945	Web	Servicemember

04/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 21122	Web	Older American, Servicemember

04/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 19138	Web

03/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	VA 22180	Web

03/11/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33765	Web

03/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 07071	Web

02/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 45340	Web	Older American

02/24/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 32641	Web

02/23/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 33765	Web

02/12/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	CA 95610	Web

02/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33012	Phone

02/01/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75124	Web

01/30/2015	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	TX 75901	Web

01/29/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60193	Web

01/28/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CO 80906	Web	Servicemember

01/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	PA 15210	Web	Older American, Servicemember

01/26/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 45224	Fax

01/24/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WA 98557	Web	Older American, Servicemember

01/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IL 60452	Phone

01/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IA 52349	Web

01/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	FL 33647	Web

01/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	RI 02852	Web

12/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	PA 19111	Web

12/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 94941	Web

12/22/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77518	Web

12/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MA 02664	Referral

12/10/2014	Yes	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	NY 10303	Web

12/09/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MD 20902	Web

12/08/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	SD 57042	Web

12/03/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IL 60025	Web

12/01/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	FL 33193	Web

11/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 18073	Web	Servicemember

11/19/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OR 97015	Web	Servicemember

11/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92544	Web

11/13/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IL 60641	Web

11/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 20746	Web	Older American

11/05/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CT 06880	Web

10/31/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 08742	Web	Older American

10/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60610	Phone

10/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MA 02481	Web

10/01/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OR 97501	Web

10/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 75062	Web	Servicemember

10/01/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OK 73128	Web	Older American, Servicemember

09/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 27519	Web

09/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	DE 19977	Web

09/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 10026	Web

09/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 91791	Web

09/17/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TN 37210	Phone

09/11/2014	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened arrest/jail if do not pay	CA 91711	Web

09/11/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	IL 60445	Web

09/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 75034	Web

09/02/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11421	Web

09/02/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11421	Web

09/02/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 17601	Web

09/01/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	HI 96706	Web	Servicemember

08/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	MA 01983	Web

08/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75074	Web

08/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	OR 97229	Phone	Servicemember

08/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 90813	Web

08/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 07866	Referral

08/13/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 10035	Web	Servicemember

08/09/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CA 91762	Web

08/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 75035	Phone

08/05/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 11580	Web

08/05/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	AZ 85016	Web

08/02/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 34610	Web

08/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	PA 15905	Web	Servicemember

07/31/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	NJ 08109	Web

07/25/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OR 97423	Web

07/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	FL 34786	Web

07/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	VA 22314	Web

07/07/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	IL 60160	Web

06/29/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	UT 84341	Web

06/24/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11566	Web

06/22/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	PA 19131	Web

06/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92407	Web

06/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33606	Web	Servicemember

06/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33908	Referral

06/13/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MO 65202	Referral

06/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60617	Web

06/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MA 02125	Referral

06/09/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 23113	Web

06/06/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 93004	Web

06/03/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NJ 07030	Web	Servicemember

05/27/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	PA 15235	Web

05/26/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	NY 11961	Web	Older American

05/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 95205	Web

05/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	PA 17352	Web

05/20/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	DE 19899	Web

05/19/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60102	Web	Older American

05/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60091	Web	Older American

05/13/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 91335	Web

05/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IL 60649	Referral

05/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	NJ 07024	Web

05/02/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	WI 53094	Web

05/02/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 75165	Web	Servicemember

04/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	IL 60101	Web	Servicemember

04/15/2014	Yes	Debt collection Auto	Taking/threatening an illegal action Attempted to/Collected exempt funds	CO 80210	Postal mail

04/08/2014	Yes	Debt collection Auto	Taking/threatening an illegal action Threatened to sue on too old debt	IL 60411	Web

04/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	IA 51301	Postal mail

04/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	WA 98902	Web	Servicemember

03/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 91204	Web

03/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 32827	Web	Servicemember

03/11/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WI 53214	Phone

02/26/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 75904	Web	Servicemember

02/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CO 80013	Web

02/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TN 37874	Web

02/21/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 10023	Web	Older American, Servicemember

02/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 78233	Web

02/10/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	NY 10456	Web

01/27/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 20792	Web

01/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OK 73121	Referral

12/27/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NC 28227	Postal mail

12/11/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OK 74145	Web	Servicemember

12/10/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine		Referral

11/26/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AZ 85225	Phone	Servicemember

11/22/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	AZ 85140	Web

11/20/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	MD 20772	Web

11/20/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AL 35080	Web

11/03/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TN 37072	Web	Servicemember

11/01/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	MD 20852	Web

10/30/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MO 64093	Web

10/29/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MN 56633	Web

10/17/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TN 37912	Web

10/17/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95501	Web

09/11/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TN 37919	Web

09/05/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TN 37921	Referral

09/02/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IN 46409	Web

09/01/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75115	Web

08/07/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32937	Web

08/07/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AZ 86301	Phone

08/01/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	WA 98902	Phone

07/23/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	WI 53214	Web