Designed Receivable Solutions, Inc. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
12/21/2017 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 91335
Web
This is a corrupt company that continues to lie and inflate debt with mathematical tactics that do not add up correctly. Nothing this company says can be trusted. On XXXX XXXX, XXXX alleged debt was {$7700.00} According to Designed Receivable Solutions, this debt has been inflated {$4400.00}. When asked how, this company states California law allows XXXX percent per annum, which is {$780.00} per year based on principal. They also state they apply interest at {$2.00} All mentioned in letter dated XXXX XXXX, XXXX. Errors 1 ) at {$2.00} per day. That would mean interest would be {$14.00}. However, my weekly updates and havent been consistent. Ive sent this company letters letting them know I am aware of their illegal inflation tactics. XXXX XXXX, XXXX increase {$51.00} XXXX XXXX, XXXX increase {$22.00} XXXX XXXX Total : {$73.00} XXXX XXXX, XXXX increase {$1.00} XXXX XXXX, XXXX increase {$11.00} XXXX XXXX, XXXX increase {$5.00} XXXX XXXX, XXXX DECREASE {$11.00} XXXX XXXX, XXXX increase of {$13.00} XXXX XXXX, XXXX increase {$10.00} XXXX XXXX, XXXX increase {$7.00} XXXX XXXX, XXXX increase {$15.00} XXXX XXXX Total : {$51.00} XXXX XXXX, XXXX increase {$15.00} XXXX XXXX, XXXX increase {$15.00} XXXX XXXX, XXXX increase {$14.00} XXXX XXXX, XXXX increase {$13.00} XXXX XXXX, XXXX increase {$2.00} XXXX XXXX Total : {$59.00} XXXX XXXX, XXXX increase {$15.00} XXXX XXXX, XXXX increase {$15.00} XXXX XXXX, XXXX increase {$15.00} XXXX XXXX, XXXX increase {$21.00} XXXX XXXX Total : {$66.00} XXXX XXXX, XXXX increase {$9.00} XXXX XXXX, XXXX decreases {$9.00} Error 2 XXXX has less days than XXXX yet the interest is more. XXXX had the biggest increase. Error 3 If the debt was acquired by this company XXXX XXXX. At {$2.00} that equals XXXX of interest. However, this is not the case. According to letter dated XXXX XXXX, XXXX the interest is {$4600.00} as of date. More inconstancies of inflated debt. Error 4 The letter sent XXXX XXXX, XXXX from this company with verification was created on XXXX XXXX, XXXX. If this company has had said debt since XXXX XXXX, how does this company not have any records. Why was this record recently generated? If this company has inflated the interest on said debt how do I know the initial debt was inflated? This company also fails to comment on why they have reported this account renewed/ refinance to Equifax XXXX This company is also in violation of Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) : 1. False representation of the amount owed. Unfair practices : interest on top of debt 1. Section 808 ( 2 ) Legality of charges. A debt collector may attempt to collect a fee or charge in addition to the debt if either : a ) The charge is expressly provided for in the contract creating the debt and the charge is not prohibited by state law, or ( b ) The contract is silent but the charge is otherwise expressly permitted by state law. In other words, your company can not illegally inflate this debt.How are the charges for XXXX more than the preceding months? Why does the amount fluctuate each week? 2. Collectors can not threaten to sue or file charges against you, garnish wages, take property, cause job loss, or ruin your credit when the collector can not or does not intend to take the action. [ 15 USC 1692e ] 807 ( 5 ) 3. A collector can not continue to collect on a debt after you 've made a written request to verify the debt as long as the request was made within 30 days of the collector 's written notice. [ 15 USC 1692g ] 809 ( b ) On XXXX XXXX, XXXX and XXXX XXXX, XXXX, letters were sent to your office and my written requests to verify the debt interest were ignored, while interest was still added weekly. Now they responded to my letter dated XXXX XXXX, XXXX and claim to have responded XXXX XXXX, which is a LIE! The letter was dated XXXX XXXX, XXXX. 4. After receiving your written dispute, the collector must stop collecting on the debt until you have received verification. [ 15 USC 1692g ] 809 ( b ) Ever since I began disputing accuracy of this account, yourcompany has continued to add interest. I asked about the interest and your company continues to ignore my request and instead collect on the debt before providing this interest verification. 5. Communicating false credit information. 15 U.S.C. 1692e ( 8 ) prohibits the collector from : Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. I have been reporting these errors since XXXX XXXX, XXXX and your company simply responds with updated/verified responses. 6. Reporting information with actual knowledge of errors 15 U.S. Code 1681s2 A As of XXXX XXXX, XXXX, Equifax reports this alleged account as refinanced and renewed. On, XXXX XXXX, XXXX and XXXX XXXX, XXXX, your company was made aware of this error yet still continues to report. 7. Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both. 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] On XXXX XXXX, XXXX as XXXX XXXX and on XXXX XXXX, XXXX as XXXX XXXX XXXX, your company has accessed my credit report resulting in a hard inquiry. In both cases your company has stated I applied for a new installment loan. I DID NOT APPLY FOR ANY LOANS. Once the statute of limitations for this alleged debt expired, your company no longer has a permissible reason to obtain my credit report. This company continues to lie and every time I uncover the lie they change their story.
05/14/2020 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • AL
  • 356XX
Web Servicemember
Visited XXXX Medical center XX/XX/XXXX with a sick child. We were from out of town and didnt have our Insurance card on us, But Ill let them know I would be mailing that information as soon as we got home. So that is exactly what I did. A few weeks later I received a bill For the entire amount. I called the facility and they said they had no record of receiving the insurance information. I happen to be at work, so I faxed a copy of the card while I was on the phone. I verified receipt and received a fax confirmation. I never received another phone call and I never received another piece of mail. A few weeks ago I was checking my credit report, and noticed a collections agency for XXXX on my credit report. I called XXXX Medical Center immediately and spoke with patient accounts. for the entire amount. I called the facility and they said they had no record of receiving the insurance information. I happen to be at work, so I faxed a copy of the card while I was on the phone. I verified receipt and received a fax confirmation. I never received another phone call and I never received another piece of mail. A few weeks ago I was checking my credit report, and noticed a collections agency for XXXX on my credit report. I called XXXX medical Center immediately and spoke with patient accounts. They told me they had no record of the insurance card. Ill let her know that I had a fax confirmation and witnesses, I also asked why I never received another phone call or Bill. She put me on hold and came back to say that she could see where they were receiving returned mail for a bad address. She read the address address off to me, it was my valid current address where I receive mail no problem. So Im not sure what she meant. But she admitted to the fact that I had no idea that they had not filed insurance. I ask her, because I am a single mother and at the time my child was on XXXX I also asked why I never received another phone call or Bill. She put me on hold and came back to say that she could see where they were receiving returned mail for a bad address. She read the address address off to me, it was my valid current address where I receive mail no problem. So Im not sure what she meant. But she admitted to the fact that I had no idea that they had not filed insurance. I ask her, because I am a single mother and at the time my child was on XXXX, So obviously I cant afford a {$700.00} emergency room bill when insurance would have covered at 100 %. If they could re-file the insurance. She said no too much time had passed. I informed her that had they let me know so obviously I cant afford a {$700.00} emergency room bill with insurance wouldve covered it 100 %, if they could re-file the insurance. She said no that too much time had passed. I informed her that had they attempted to communicate with me in anyway after I had faxed in the car I would have a mediately called and took care of it then. So I should not be liable for a bill when I made two attempts to give them the insurance information. She referred me to the collections agency. So I immediately called designed receivable solutions. I explain the situation to them that I just explain to you. Ill let the lady know that since my ex-husband left me and the kids I have been working really hard on improving my credit and if I really owe this bill I know I would have to pay this, but I felt like that then with holding mail and not sending me bills and not calling me until after the grace period to re-file insurance was over, was it a blatant attempt to make me responsible for a bill so that they could get more money than what the insurance would have paid. I was very kind to the lady. She snapped back at me told me I had to pay that bill that that was my problem was very rude.I explain the situation to the end that I just explain to you. Ill let the lady know that since my ex husband left me and the kids I have been working really hard on improving my credit and if I really owe this bill I know I would have to pay this, but I felt like that then withholding mail and not sending me bills and not calling me until after the grace period to re-file insurance was over, was it a blatant attempt to make me responsible for a bill so that they could get more money than what the insurance would have paid. I was very kind to the lady. She snapped back at me told me I had to pay that bill that that was my problem was very rude. By looking at my credit report, XXXX sent that {$640.00} to collections in XX/XX/XXXX, less than 4 months after the visit. Designed receivable reported the original amount shortly after and that was it. Until I spoke with the representative that day, and at least 4 times a week since that day I get a ding on my credit alert that they have increased the balance by {$1.00}. That balance has increased by {$1.00} every few days since I spoke to her, And prior to that no updates like that has ever been made. Which leads me to believe that because I mentioned working on my credit and letting her know I would not be paying that bill until I got XXXX responsible for their mistake, she is intentionally adding XXXX dollar to my balance every day she can to decrease my credit score. I have had medical bills in collections before and not one of them have as it has ever increased in balance by XXXX dollar a day
03/17/2023 Yes
  • Debt collection
  • Medical debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • CA
  • 90064
Web
This company has violated several of my consumer rights and has failed to validate my alleged debt. Specifically ; I sent a debt validation letter to the company via certified mail to which the company did respond to, however, not only was the envelope containing their response not addressed to me, the response that I received also failed to accurately and thoroughly validate this debt which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). Besides the fact that the company has already failed at verifying the debt allegedly belonging to me by sending the so called validation items to someone elses name, therefore immediately nullifying your allegation of debt belonging to me, also, in a violation of the Fair Credit Reporting Act ( FCRA ), instead of accurately and thoroughly responding to my written request, I was sent lists & copies of my private medical records including CPT codes, which, as I understand, is also in clear violation of the laws of The Health Insurance Portability and Accountability Act of 1996 ( HIPAA ), a federal law that has required the creation of national standards to protect sensitive patient health information from being disclosed without the patient 's consent or knowledge. Additionally, as per HIPAA regulations, CPT codes and patient billing information qualifies as protected health information ( PHI ) that requires the patient ( in this case, myself ) to sign a legal release in order to grant permission of their PHI to be shared with a party other than themselves and/or their Physician. Furthermore, the company continued to report a disputed debt to the three major Credit Bureaus ; another violation of the FCRA. Not only have they ignored my prior requests for accurate and thorough validation of this alleged debt but they continue to report this debt to the three major credit bureaus causing damage to my character. I am now writing this submission to the Consumer Financial Protection Bureau ( CFPB ) showcasing that not only has Designed Receivable Solutions ( DRS ) violated my consumer rights as an American citizen but has also failed to provide validation and proof of their right to own/collect this alleged debt through the following violations of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) : In accordance with the Fair Credit Reporting Act, DRS has violated my consumer rights as an American citizen based on the following US federal statues ; 15 U.S.C 1681 section 602 A : States that I, as an American citizen, have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions Failing to provide any HIPAA form bearing my personal signature authorizing DRS and/or any other financial institution to have access to this or any of my private health information which is in direct violation of federal HIPAA regulations. Failing to provide accurate documentation proving ownership of the alleged debt by sending documents to someone else. Failing to provide any contract bearing my personal signature engaging myself in business with DRS. Finally, I will formally be requesting that DRS follow the FDCPA and please delete this information from my credit file and cease all collection activities immediately. As they hopefully are aware, " Estoppel by Silence '' legally means that their company had a duty to speak truthfully and accurately but failed to do so therefore, that must mean that they are in agreement with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested from this company within 15 days of receipt of not only reporting this but also by sending them a formal letter - being sent via USPS Certified Mail. Should this company again ignore my aforementioned request for deletion of this information from my credit file, I reserve the right to sue this company for further violations of my consumer rights as specified herein. I may also seek damages from this company if warranted.
10/18/2021 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • CA
  • 900XX
Web
Designed Receivable SO listed a debt on my consumer credit report that has not been validated. The debt is disputed. I sent correspondence to Designed Receivable SO on Monday, XX/XX/XXXX. Designed Receivable SO has not acknowledged receipt of my letter. DESIGNED RECEIVABLE SO XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX HIPAA Compliance Office Dear Sir/Madam ; This letter is in reference to the following accounts : Account # XXXX - {$680.00} Account # XXXX - {$650.00} Account # XXXX - {$4100.00} Please be advised that under Federal Statutes, The Fair Credit Reporting Act, ( 15 U.S.C & 1681 et seq ) and Californias Consumer Credit Statues , subtitle D of the ARRA, SEC. 13401. APPLICTION OF SECURITY PROVISION AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. You may be held liable for the actions of Continental Credit Control. Please note that these liabilities are under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX ( a ) Duty of furbishers of information to provide accurate information. ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors HIPAA and Californias Medical Privacy Statutes and the penalty provisions of the ARRA section D, privacy provisions, the penalty rules of the HITECH Act as issued XX/XX/XXXX and the Omnibus Final Rule effective XX/XX/XXXX and the FACT Act final rules effectively XX/XX/XXXX are in effect in this situation. The Privacy rules prohibits a covered entity from using or disclosing an individuals protected health information ( PHI ) unless specifically authorize by the individual or otherwise allowed under the Privacy Rules. In general, PHI e ncompasses substantially all individually identifiable health information that is transmitted or maintained in any medium. Individually identifiable health information includes health information that is created or received by a health care provider, health plan, employer, or health care clearinghouse, and that related to an individuals physical or mental health or condition, including information related to an individuals care or the PAYMENT for such care. Your furnishing of my account information to a debt collection agency is not in compliance with HIPAA, or Californias Privacy Act, and any subsequent reporting of this account on my credit reports to XXXX, XXXX and/or XXXX is a clear violation of Public Law 104-191 ( HIPAA ). You are advised that you may be in violation of the Notice of Proposed Procedures for Charitable Hospitals to Correct and Disclose Failures to Meet Section 501 ( r ) of the Affordable Care Act. Please respond in writing within 10 days acknowledging that you are processing this request. I am reserving the right, to take appropriate legal and civil action including reporting to any applicable regulatory authorities and lack of cooperation or compliance with this request. I hereby waive my rights under HIPAA and any State Privacy Act for the single purpose of your transmission of this request and accompanying documentation in any required report you must make to your E & O insurance carrier. Sincerely, XXXX XXXX
06/03/2020 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 93536
Web Older American
Since I am XXXX years old and I don't know how long am I still going to be able to drive from my home in XXXX all the way to work in city of XXXX XXXX, earlier this year I started the process of refinancing my home so I could lower my monthly payment and current interest rate. At that time I found out that this collection company, Designed Receivable Solutions , Inc. filled and reported a medical collection on my credit report and damaged my credit. Since I never received any medical bills and I do have medical coverage through my employer I requested my lender to provide me with this company contact information as I thought that I was a mistake since every creditor should try to make a reasonable attempt to provide with a bill before damaging people 's credit and send them to collection. After reaching out to them and going through the insane amount of phone calls and threats received from their " customer service '' without any proof or copies of the bill from original creditor or any proof from their company that original creditor whoever that might be hired them to collect the ridiculous amount of {$140.00} I have decided that my heath condition does not allow me to go any further with disputing and arguing with this company and decided to pay the {$140.00} reported on my credit with the condition that this collection account WILL BE DELETED/REMOVED from my credit report. Since every time I called I received the message " ALL CALLS ARE BEING RECORDED '' I agreed to pay the fee of {$140.00} after customer service lady named XXXX or at least this is the name she provided to me STATED CLEARLY THAT MY COLLECTION ACCOUNT WITH THEIR COMPANY WILL GET REMOVED ONCE I PAY THE {$140.00}. The {$140.00} was paid on XX/XX/2020 and as of today XX/XX/2020 my account was only reported as PAID but still on my credit report. On XX/XX/XXXX I called again and requested to speak to a supervisor which I informed that my next step would be to file a formal complaint with CFPB since Designed Receivable Solutions, Inc. did not remove my collection account after they agreed to have the account removed and after receiving a payment for a debt that I was not even provided with proof that actually belonged to me. I have to say that the words CFPB and formal complaint made the supervisor extremely angry and it continued into a not so amicable conversation but she agreed that the account will get removed. Since I've been going through such a bad ordeal with their company I requested to receive a copy of the letter which will be sent to credit bureaus, I even offered to drive from XXXX and pick it up at their office but she declined. I was supposed to wait again for the letter to be received in the mail which a week later I never received. This company damaged my credit, provided false information and treated me with such disrespect for {$140.00} bill which I never received either from them or original creditor. I am turning now to you, CFPB as the only authority who can help me and stop this predatory collection agency to continue damaging my credit and ruin my only change to lower my home payment so I could keep the roof under my head.
06/20/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AL
  • 366XX
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XX/XX/2022 RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit-reporting agencies reported this false misleading information on my credit, which goes against the FCRA laws. , I understand that under 15 U.S. Code 1681c2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts. I demand that the following account be removed immediately : Designed Receivable Solutions HLTHGS*XXXXXXXX I know that as the consumer, I HOLD ALL THE POWER. As a ( MO ) XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. As a consumer and the one with ALL THE POWER, these inaccurate accounts on this letter must be deleted immediately AS IN ASAP, or I will seek monetary damages in small claims court in my city and state. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, this complaint lists someone that your company should recognize as their customer or their customers authorized representative. THESE INQUIRIES & ACCOUNTS ARE Inaccurate across all 3 Bureaus XXXX XXXX and XXXX. also, I certify that this request to block was made NOT in error, and My request to block information was NOT based on material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or money as a result of one or more of the transactions that I am seeking to block. If I received well and services, then please have a senior executive certify under the penalty of perjury that I in fact received goods and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). Also, I request that you send me a validation of all debts according to XXXX, if you can not do that then you must remove it. Thank you, XXXX XXXX XXXX
11/10/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WA
  • 980XX
Web
On XX/XX/XXXX, I went to a local credit union to apply for a home improvement loan. They pulled up my credit report and informed me that I had an uncollected debt from XXXX of XXXX that had not been paid XXXX XXXX XXXX XXXX Hospital in XXXX XXXX, California. I found an old paid bill from the emergency room at XXXX XXXX 's and called them. The bill was paid in full on XXXX. They transferred me to the main hospital ( which has since been sold to XXXX Hospital ) they found my record and informed me that they had tried calling me and sending me bills in XXXX. The numbers they had on file, were not my phone numbers ( one was a California area code ) and the address they had on file was an address in XXXX. They had apparently, turned over to Designer Receivables in XXXX. I called the collection agency to discuss the bill and find out why I hadn't been notified. They told me that the original bill was for well over {$4000.00} and the 4 years of interested amounted to over {$2000.00}. The address they had on file for me was the address of a rental home I used to own in California but never used as a mailing address because I never lived there. They admitted that all correspondence had been returned to them. I asked how it came to be that the emergency room at XXXX XXXX 's had my correct and current address, but the hospital did not. They had no answer. Until this week, I had no idea I owed XXXX XXXX 's anything. I have several bills from them in my file that are all paid. I did not realize I owed the hospital anything. Design Receivables ( the collection agency ) informed me that if I paid the entire bill including interest, they would take it off the credit report as if it had never been turned over to them. If I paid the total less interest, they would take the debt off the report, but the history would remain. They told me that the offer was only good that day. I argued with the operator and her supervisor, but they did not budge, saying that I should have known. I felt I had no option but to pay the entire amount. I paid that amount on XX/XX/XXXX. Almost {$7000.00}. I feel cheated, scammed and frankly livid about the entire transaction and phone call. I was never contacted by the hospital or the collection agency and both agencies verified this for me. Both agencies admitted that they could not get ahold of me, but every other doctor and medical provider was able to ( including the emergency room at the hospital ) I have paid bills from several providers that I can produce and I can also verify that the providers told me that they attempted to reach with ( using incorrect information - that I did not provide ) The hospital submitted my information to my insurance company ( XXXX ) and received payment from them. How in the world could they never get my contact information from XXXX or the emergency room department. This had gravely affected my credit, my reputation and my emotional state.
10/27/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90292
Web
Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) are unknown to me. Also, the information you provided on these accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on these accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Balance XXXX XXXX
05/11/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 92009
Web
I was sent to collections by a medical office for debt that was paid. In XXXX of XXXX I had applied to refinance my mortgage. I was surprised to learn that I had been sent to collections for what was then an amount of {$120.00}. This was surprising to me as the dates of service in question had come well before I had stopped going that that office for ongoing issue. My visits to that office continued through XXXX of XXXX, and not once was I told I was not current, and would pay any balances that I was told upon each visit. I spoke to the billing office on XX/XX/XXXX at XXXX. During that conversation the billing office could not find any balances that I owed, agreed with that they had been paid in full and that there was no outstanding amounts. They also verified they had received my payments on the dates my records show as being made. I was told I would get a letter directly from the Doctors office showing all debts had been paid, and that they would discuss it with the debt collector to remove it. I never received the letter and called back on XX/XX/XXXX, to follow up. I was told that I would have the letter emailed to me that week. It never came. I also sent a letter via certified mail to the debt collector, explaining it was reported in error. That letter was sent on XX/XX/XXXX as well, with proof of payment via credit card statements. 1 month later I received a letter from the debt collector saying that new dates of service in question had changed. That while I had paid all debts, the dates I had paid were later dates. They now had a bill from 3 years prior, date of service of XX/XX/XXXX ( which again no one had ever asked me to pay ) and a date of service of XX/XX/XXXX. This was very confusing because the bill that I had been given dated XX/XX/XXXX, showed every thing was current and the amount owed of {$110.00} was paid via my next visit to the office in person. I have the credit card receipts to prove it. In addition the date of service of XX/XX/XXXX was not even on the bill that showed everything was current. In summary, I have a bill dated XX/XX/XXXX, that shows all my charges are current. A credit card receipt showing payment made in full on XX/XX/XXXX, for all charges on the bill. The doctors office acknowledged the payment was made. Yet I am sent to collections in XX/XX/XXXX, for a bill that was paid in full and never shown as past due. I had sent all this documentation to the debt collector twice. Yet they still refuse to remove it from my credit report, which is hurting my ability to get credit and my overall credit score.
05/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • KS
  • 670XX
Web Servicemember
XX/XX/XXXX - Filed a dispute due to not having any knowledge of the account existence or that it was going to be sent to collections -Claim was closed on XX/XX/XXXX and account was removed from credit report XX/XX/XXXX -Account was reported again to Credit Bureaus XX/XX/XXXX - Noticed the collections account on credit report and filed a second dispute -Contacted XXXX XXXX XXXX XXXX Was told that they tried to contact us and billed XXXX but the account remained unpaid. Notified the representative that we never received any kind of notification regarding the account being unpaid or that it was going to be sent to collections. Representative said that she could not release any information regarding the account because it is an old account. Requested a copy of the claim document for personal review; was told they can only mail it ( no fax or emailed copies ) -Contacted XXXX XXXX to inquire about the claim. Representative XXXX XXXX XXXX stated that they never received any claim associated with the policyholder. -Contacted XXXX ( XXXX XXXX ) to inquire about the claim. Representative stated that they never received any claim associated with the policyholder. -Contacted XXXX XXXX to inquire about the claim. Representative XXXX XXXX XXXX stated that they never received any claim associated with the policyholder. Was also advised that if the clinic would like to submit the claim, they would pay. XXXX XXXX XXXX stated that they couldnt resubmit the claim because too much time has passed. XX/XX/XXXX -Called XXXX XXXX XXXX XXXX XXXX XXXX Notified them of nonexistence claims with all XXXX regions. Requested that they remove the negative reporting from credit report. Lady on the phone said she would notify the manager and call back. Never called back. -Called XXXX XXXX back and requested again that negative reporting be removed, as they were illegally reporting a collections bill when they never submitted the claim to the insurance. -Was given a claim number and told to call XXXX XXXX to verify. -Called XXXX XXXX again. Spoke with Representative ( XXXX ), who advised that there was no claim and the claim number that XXXX XXXX XXXX gave was incorrect because their claim numbers begin with a letter, and the claim number that XXXX gave was all numerical. Was also advised to seek legal advice, as they are illegally reporting because they never filed a claim with the insurance. -Notified XXXX XXXX XXXX XXXX we were going to seek legal advice. XXXX ( supervisor ) got on the line and was very aggressive, unprofessional, and rude.
09/24/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92880
Web
Designed Receivable Solutions XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX RE : Account # XXXX This letter is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as accurate. Im sure we both understand that most disputes are often conducted using software, such as XXXX, and that mistakes can be made during that process, because the software can have limitations when it comes to completing a proper investigation of records. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623. Basis for dispute : I do not recognize this account and am requesting an investigation. If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) then you are required by the FCRA to remove the negative information from my credit reports, which will also include complete removal of the account. Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30 days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5 days of the completion of your investigation. Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( 1 ) ( E ), to also promptly notify the 3 credit reporting agencies ( XXXX, XXXX, XXXX ), of deletion of this information from my credit file. XXXX v XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. If you do n't respond with the results of the investigation ( as is required per the FCRA ), I will assume you have no documentation and therefore you were negligent in providing the credit bureaus with accurate information. At this point, you would also be in violation of the FCRA merely for not responding within the 30 day period.To avoid potential legal action and further issues, I hereby request that you remove the account from my credit report. Sincerely, XXXX XXXX XXXX/XXXX/XXXX
10/30/2019 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • MO
  • 63146
Web
This company ( Designed Receivable So ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA. Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my XXXX Given name ( XXXX XXXX : house of XXXX ). 1. Validation of the debt ( i.e. the actual accounting showing real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC )
08/13/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91423
Web
For the past 6 weeks or so, Ive been applying to rental properties in preparation for my upcoming move. I have submitted applications to several properties recently and discovered that I have ( 4+ ) fraudulent, inaccurate, unverifiable, medical hard inquiry errors that I do not recognize. A medical debt collector agency named ( Design Receivable Solutions ) wronfully reported a medical hard inquiry that has been on my credit report since XX/XX/XXXX. The debt collection agency Designed Receivable Solutions. Took over the following debts from XXXX XXXX XXXX for - {$4700.00} -- another is for {$250.00} - - another for {$84.00} and another for {$59.00}. According to this medical debt collection agency 's website, they are based in XXXX XXXX, but have a location in XXXX California as well. I have absolutely NOTHING to do with this debt, the collection agency inaccurately reported hard inquiries on my credit report, it says that these charges were from visits to XXXX XXXX XXXX from XX/XX/XXXX. In XX/XX/XXXX, I was in XXXX Alaska. I also have proof to discredit their claim as evidence, such as : 1. ) A police report. 2. ) FTC Consumer Fraud report. 3. ) Consumer Financial Protection Bureau ( CFPB ) Complaint. 4. ) Airline tickets. 5. ) California State Attorney General report & Complaint. I have uploaded the police report and other Government agency documents with this FTC Consumer Fraud report. This incident has seriously affected my credit score, I am formally requesting that the medical debt collection agency ( Designed Receivable Collections ) ( XXXX ) ( XXXX ) and ( XXXX ) provide proof of my signature for repayment and provide proof of my authorizing the furnisher and the ( 3 ) credit bureaus access to my credit report. I am requesting you promptly rescind all such account information furnished to ( Designed Receivable Solutions ) and require them to purge their records of all reference to this account, and that you ensure that any and all reporting from this account is immediately deleted from my credit reports. Please respond in writing within 10 days acknowledging that you are processing this request. I am also reserving the right to take appropriate legal action and civil action including reporting to any applicable regulatory authorities. Any lack of cooperation or compliance with this request will result in a lawsuit against you.
07/21/2022 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 91406
Web
During XXXX and XXXX I was seeing Doctors at XXXX XXXX affiliated office in XXXX. I was told by my insurance " XXXX XXXX '' that I am covered with just a co-pay. At the doctor 's office, the receptionist sometimes would accept my copay and sometimes would not and say I'm okay. Later I received bills and I disputed. However I was still receiving bills. in XX/XX/XXXX I was diagnosed with severe XXXX and XXXX. I still had insurance and was covered with short-term XXXX provided by NY Life insurance . It was an insurance at my work on top of United healthcare. In XX/XX/XXXX my XXXX became severe and my mother who is XXXX XXXX XXXX thought if she paid some of my bills I would feel better. My mother convinced my sister to pay some of my bills. At the time the only bills I had was from XXXX XXXX. So we wrote a check to XXXX XXXX for around {$750.00}!!!! And they cashed it and I have the proof. Event hough the charges were bogus. On XX/XX/XXXX, I received XXXX letters in the mail by DESIGNED RECEIVABLE SOLUTION. Their address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. On same day, XX/XX/XXXX I sent back the collection notes with my own notes added that charges are bogus. My insurance had paid XXXX XXXX. Furthermore, I am on low income right now and can get approved by XXXX XXXX for their low income program. Today on XX/XX/XXXX, I received an email from XXXX. My credit scores has dropped XXXX points!!!!!! This is literally will ruin my life because I am about to start a driving school for teens and adults and with low credit scores I can not finance my business and livelihood. But most importantly the CHARGES ARE INVALID! And I received no correspondence from the collection agency. So XXXX XXXX can ruin people 's lives by admitting false charges and collection agency can ruin my credit just like that with false charges?! Please help me and I think Designed Receivable Solution should have their license to do business revoked. The charge is for over {$200.00} and my credit score was dropped over XXXX points. A score I that I worked all my life to keep at over XXXX. I have already disputed this with XXXX too but I can't afford to have this on my record. I really appreciate your help. You are doing a great great great work for working class people in this country and you save families. Thank you
03/10/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • DC
  • 20001
Web
DESIGNED RECEIVABLES SOLUTIONS ( DRSI ) hereby referenced as 'Defendant ' incorporated in the state of XXXX ; XXXX. as a foreign entity in the state of CA entity # XXXX alleged consumer hereby referenced as plaintiff of owning debt as a result of identity theft for a total amount of {$490.00} Plaintiff requested defendant to perform debt verification pursuant to the tenets of Section 809 ( 15 USC 1692 ), Validation of Debts, within the Fair Debt Collection Practices Act ( FDCPA ). Plaintiff was misleadingly asked to provide his personal data such as address which is different from the address defendant had previously collected from his client, XXXX. [ Exhibit.1 ]. Defendant purposely collected data to match consumers ' profile and therefore have this fraudulent item reported. Nevertheless, the collected data such as address should have been used for legal correspondence purposes only between plaintiff and defendant pursuant to 15 U.S.C. 1692 Section 805 however defendant used this address to falsely and knowingly report fraudulent information on defendant 's credit profile AFTER plaintiff indicated that debt is result of identity theft. Prior to credit bureau reporting, plaintiff performed validation of this debt and responded within the 30-day time period as set by 15 U.S.C. 1692 Section 809. Plaintiff informed defendant regarding the fraudulent nature of this debt. Specifically, following information does not match with plaintiff 's consumer profile : SS # Address # Insurance information # Plaintiff claims this debt is fraudulent. Plaintiff provided a copy of his police report to further justify his claim further requesting the defendant to refrain from reporting fraudulent data on consumer 's report pursuant to FCRA 1681 Section 808. Plaintiff requested defendant to cease further communications with plaintiff as per the fraudulent nature of this debt. Nevertheless, defendant reported this debt to plaintiff 's credit profile which violates the Fair Debt Collection Practices Act. Defendant is in violation of the following FCRA 1681 Section 808 : 807. False or misleading representations 808. Unfair practices 809. Validation of debts 812. Furnishing certain deceptive forms
02/07/2022 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 91331
Web
Designed Receivable Solutions, XXXX XXXX XXXX, La XXXX, Ca XXXX with Tel. XXXX is a debt collector assigned by XXXX XXXX XXXX XXXX XXXX XXXX to collect my medical debt after I went to emergency room last XXXX XXXX. I was never admitted but I was billed {$9700.00}. I was shocked by my bill and I was billed by my insurance {$1800.00}. I paid XXXX thru installment {$870.00} the rest {$1000.00} was assigned to debt collector since XXXX because I lost my job due to pandemic as a XXXX. XXXX XXXX I paid {$300.00}, XXXX {$100.00}, XXXX {$100.00}, XXXX {$100.00}. I have remaining {$410.00} balance. After Designed Receivable Solutions received my payment on XXXX this company reported me to the credit bureau and my credit score from excellent credit went down very low. I called immediately Designed Solutions and I complained. They told me if Ill pay them immediately the whole remaining balance then they will remove my bad credit report. I said I lost my patient last XXXX and due to the pandemic I have a hard time getting a new patient but I tried to pay them. XXXX XXXX told me that it takes 6 months without paying theyll report me. XXXX from debt collector was forcing me to pay the whole balance or they will ruin my credit score. Im so stressed and got so XXXX. I better went to XXXX XXXX without insurance but because I Paid {$1100.00} a month health insurance thru XXXX I was billed so high even the hospital just took blood test only and discharged me. I never asked assistance from state or federal. I was very responsible but because of the pandemic my income went down and I lost my job. In spite I tried to pay my medical bill. But this debt collector is harassing me and forcing me to pay the whole amount at once. Im very XXXX and couldnt sleep at night. Please help me. Ill pay my debt thru installment but I dont want XXXX from debt collector harassing me to pay the whole amount to avoid bad credit report. I will be very thankful if you can help me remove the bad credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Cell XXXX XXXX XXXX
05/23/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 900XX
Web Older American, Servicemember
While searching for my credit scores, I discovered that Designed Receivable Solutions submitted a collection for a ( closed ) XXXX XXXX XXXX XXXX Hospital bill in XX/XX/XXXX. According to three different Medicare representatives, Medicare paid the account, and that I DO NOT owe the original charge of {$3200.00}. The Medicare Summary Notice states that the total that I may be billed is {$190.00}. As always, that amount was to be submitted to my secondary insurance for payment. As of this date, Designed Receivable Solutions has not sent proof of original billing as requested! XXXX XXXX, the collection manager, literally laughed in my face when I stated that I was going to report this problem to the Attorney General Office, the CFPB, and The XXXX XXXX XXXX. His exact words were, " Good luck with that! '' It seems that he has done this before and that no consequences for his bold actions! Please note that I received from a person who worked for XXXX XXXX XXXX Hospital, who stated emphatically that a female co-worker had intentionally submitted many collection notices to XXXX XXXX XXXX Hospital patients upon its closing in XXXX, but he was intervening to stop this wrong. He promised that I had nothing to worry about, that he would send the {$190.00} to my secondary insurance for payment. Please note that I NEVER HEARD back from XXXX XXXX XXXX for any billing at all. In fact, Designed Receivable Solutions had my old address on file as of XX/XX/XXXX ; therefore, I never received any correspondence from them as well. I was never contacted by Designed Receivable Solutions until I called them after discovering on my own that my credit report contained a collection! I gave my new address and phone number to XXXX XXXX. Please HELP!!! I have endured so much sickness due to an already chronic medical condition ; since XXXX I have had to go to the ER twice and to several doctors for chronic stress and XXXX XXXX XXXX! Thanks for clearing up this matter. Enclosed, please find supporting documents!
01/29/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 958XX
Web
To whom it may concern : This is a written statement regarding the above medial record number. On Thursday XX/XX/XXXX, I received a notification from XXXX that there was a new collection item added to my account under Design Receivable Solutions Debt Collection Agency, under XXXX : XXXX with a date of service of XX/XX/XXXX. I called and spoke with XXXX at Design Receivable Solutions @ XXXX ext. XXXX on XX/XX/XXXX @ XXXX XXXX, who confirmed the collection account is from XXXX XXXX XXXX XXXX in XXXX XXXX, CA. I can confirm and prove that I have never been a patient at this XXXX XXXX. I am not a resident in or near the XXXX XXXX area nor have I EVER been. I do not have family or friends in or near the XXXX XXXX area either. I have been a resident only in XXXX California all of my life. Currently a resident of XXXX CA since XXXX ; and previously XXXX XXXX AND XXXX XXXX, CA. I am a victim of ID theft and have been since XXXX. I currently have about 10-15 police reports that I have filed myself and police reports that have been provided to me from various police departments over the years. Again, I am not a patient at XXXX XXXX XXXX XXXX nor have I been a patient with this XXXX XXXX therefor I am not responsible for this debt. Please investigate this and remove my name and SSN out of your system or database, ASAP and please notify the authorities. I called and spoke with XXXX in XXXX XXXX @ XXXX XXXX XXXX XXXX @ XXXX today, XX/XX/XXXX @ XXXX, who confirmed my identification and provided me with the medical record number and date of service. He also advised me to include in this email : My CA ID and a document showing my address at the time of the date of service that is being billed XXXX XX/XX/XXXX ). This email is also being sent from my employer email which shows the address of my current employer. I also included my employee verification with my start date. Collection Agency : Design Receivables Solutions Ph : XXXX Fax : XXXX Account # XXXX Police Report Number : XXXX
05/10/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 902XX
Web
Designed Receivables Solutions is incorrectly reporting two medical accounts on my credit report as being in collections. They are designated as on my credit reports as XXXX. For two reasons, these two accounts fall under the new rule that went into effect XX/XX/2017 regarding medical accounts. ( 1 ) both accounts were incorrectly billed by the original creditor, and as a result were initially not correctly covered by my health insurance company for the correct amounts. Accordingly, I disputed the accounts. An audit process was initiated by the original creditor ( XXXX-XXXX XXXX XXXX ), with the result that additional insurance adjustments were made on the two accounts, and then the remaining balances for both accounts were immediately paid down to XXXX -- ALL PAID DIRECTLY TO THE ORIGINAL CREDITOR XXXX, NOT THE DEBT COLLECTOR DESIGNED RECEIVABLES SOLUTIONS. ( 2 ) During the dispute and audit process, the original creditor had assigned the two accounts to debt collector Designed Receivables Solutions, and Designed Receivables Solutions reported the accounts as unpaid to XXXX, XXXX, and XXXX, even though the accounts were in the process of dispute and internal audit by the original creditor and should not have been reported during that period -- pending correction and resolution. Now that the two accounts ' billing details have been corrected by original creditor XXXX-XXXX, and XXXX XXXX has been paid in full, Designed Receivable Solutions still reports the accounts as in collection to the credit reporting agencies, but with updated information regarding the two accounts to show them as " paid '' with a XXXX balance. That is, instead of ensuring that they were deleted from my XXXX, XXXX and XXXX credit reports. That is not correct, according to the 2017 FCRA rule. Both medical accounts should be deleted, rather than penalizing me for errors made by the original creditor that were later corrected and resulted in the accounts being paid to the original creditor.
12/10/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • CA
  • 900XX
Web
Designed Receivable Solutions ( " DSR '' ) is a debt collector. Their client, to whom the debt is owed, had an incorrect address on file for me. Thus, an invoice for {$150.00} was never sent to my attention. Upon applying for a mortgage, I discovered this debt in collection. My credit is otherwise perfect and this debt which DSR reported to the agencies is a false representation of my personal credit information, and simply clerical inaccuracy. After discovering the debt on a credit report in XX/XX/XXXX, I immediately contacted Designed Receivable Solutions ( " DSR '' ) to ask for a validation notice so that I could understand what the debt was and to then pay, if valid. In XX/XX/XXXX, DSR stated that they would completely " expunge '' the record from my credit if I paid that day. I could not pay that day because I did not know what the debt was for. After asking DSR a second time ( in writing XX/XX/XXXX ) for validation they finally sent the original invoice ( on XXXX XXXX, 2015 ) -- over 3 months since I originally asked for validation of the debt in XX/XX/XXXX. Additionally, after contacting the XXXX XXXX ( whom the debt is owed ) on XXXX/XXXX/15 ( spoke with " XXXX '' at XXXX XXXX XXXX XXXX XXXX " XXXX '' ) she stated that the correct amount owed was {$150.00} and that I could make payment with her for {$150.00}. However DSR will continue to inaccurately report a collection item to the agencies as well as assert that {$13.00} of interest is owed to DSR, an item they are attempting to charge on top of the amount I owe XXXX. The amount was accidentally sent to a collection agency due to an incorrect address and insurance policy and I am attempting to appropriately pay that amount to the original Physicans owed. I ask the AG office to review the situation and appropriately communicate to DSR that they are engaging in practices that are misaligned with good will or good faith as well as the law for fair credit reporting
12/19/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • WA
  • 980XX
Web
In XXXX, XXXX, I went to my credit bureau to request a home improvement loan. I was denied because they told me I had an unpaid debt to a hospital for over {$6000.00}. I was shocked and asked who to contact and how to take care of this. I spoke to a credit reporting agency which gave me the information to call to straighten this out. I pay my bills and have never had an unpaid bill. I spoke with someone at Designed Receivable Solutions and was told that the original debt was incurred in XXXX of XXXX to a hospital in XXXX XXXX, CA. I was indeed hospitalized at that time and prodded for more information. Apparently, the hospital turned over my information in XXXX of XXXX and it was incurring interest ever since. I had no idea this bill existed. I never received a bill. Designed Receivables admitted that they had several bills returned to them and that they didn't have a working phone number for me. They had used 2 addresses in California where I have never lived. They had one phone number that I haven't used in many years and another phone number ( in California that I had never heard of ). I admitted that I had been hospitalized in that hospital but I had paid bills and didn't have anything outstanding. The women I spoke to were very rude and accused me of lying and trying to get out of a debt that I knew I had. I told them, I would pay the principal, but I was not going to pay interest on a bill that I did not know existed. They refused to work with me. I disputed the charge stating fraud and my credit card removed the charge. I spoke with a supervisor who was very upset with me. Again, I was accused of lying and trying to get out of a debt. That is not my character. I am refusing to pay interest on a debt that I did not know existed and they admit that they could never get ahold of me. I told them that it wouldn't be very hard ( especially, with their systems ) and that I have lived in the same area for 26 years.
12/13/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 935XX
Web
I have been working on improving my credit. I had 1 delinquent account left. So I contacted Design Receivables Solutions to get some information about the account. The balance began at XXXX. I noticed the balance had risen to XXXX, so on XX/XX/XXXX I called the collection agency to see what can be done. I was interested in making payments but before I could even ask. I was immediately offered a deal by the gentleman from the agency. He told me if I was willing to pay my debt in full they would be willing to remove it from my credit report. I was very surprised by the offer because I didn't know they did that sort of thing. It wasn't really a good time for me to pay the XXXX in full because money was tight. I took into consideration that I probably wouldn't get the same offer had I just made payments. I asked if they could send me a letter guaranteeing this account would be removed. I was told they didn't do that sort of thing but that they would mail me a letter after my payment was processed. So I agreed and paid the balance in full. I waited and continued to check my XXXX XXXX account for a update on my debt. I noticed the agency had reported it paid in full & account closed. This was not what we had agreed to. So to filed a dispute with XXXX and as it turns out the agency denied that it was to be removed and it was to remain on my credit as a closed account. This is so wrong and I find it unacceptable that someone could get away with lying to me. I paid in full as agreed. I held up my end like I said I would. My question, " Why are they allowed to get away with not holding up theirs? '' I could've set up payments instead of being broke for that week and got the same results. I'm raising my nieces XXXX daughters without any financial help and my budget is tight ... .at any rate it was a stressful tight week. I'm very upset I know this is my responsibility but I don't appreciate being lied to.
12/06/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • SC
  • 29405
Web
DESIGNED RECEIVABLE ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX, CA XXXX XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DESIGNED RECEIVABLE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DESIGNED RECEIVABLE or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX XXXX, SC XXXX
07/31/2018 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
  • 93535
Web
I have disputed all of the Designed Receivable account entries that are reflected on all of my credit reports with the credit bureaus as well as with Designed Receivable. In my most recent communication to them dated XX/XX/XXXX ( see attached ), I specifically requested that they provide a summary of all account activities, copies of all charge slips, and all other documents proving indebtness, copies of all documents sent to me regarding the alleged account and copies of any papers that show I agreed to pay what is alleged bearing my original signature. To no avail. Designed Receivable responded in their letter dated XX/XX/XXXX, confirming that the accounts did not belong to me. In fact, they only referenced 1 of of the 4 accounts that they are negligently reporting. How so? Why were they not able to provide any substantiating documentation for the other 3 accounts. Designed Receivables did not provide a copy of the financial responsibility page, nor did they provide a copy of my signature with the provider of service to release medical information to them ( for any debt they are alleging is mine ). Designed Receivable did not provide a dunning letter prior to inserting these inaccurate, unverifiable derogatory entries on my credit report. To that end, DELETE ALL THESE ERRONEOUS, INACCURATE, UNVERIFIABLE ENTRIES FROM MY REPORTS. They lack veracity in their reporting. The date opened for the same accounts on each bureau differs. This is a violation of the FCRA. They are reporting that the accounts are past due and that is inaccurate as I have never opened an account with them nor have I ever did business with them. If these accounts were mine, they are reporting the hospital name on XXXX and that is a violation of the FCRA and FDCPA. In summary, there are many violations that are blatantly reflected among all entries on all 3 of my bureau reports. DELETE IMMEDIATELY!
04/20/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • CA
  • 93311
Web
I went to apply for a loan to buy a house, and it turned out I have collection reported on my credit report. when I called them it turned out I have a bill of {$340.00}, I do n't know where that came from, I have health insurance. but I decided to pay it same day because I never had any collection or debt in my whole life. the man from the collection company is called XXXX XXXX, the company name id designed receivable solutions ( www.drsi.ws ) and their address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX told me if I paid the bill I will receive a letter from him that I paid my debt and they will report to the XXXX credit companies that I am clear. the payment was made XXXX/XXXXXX/XX/2015 and you will see the transaction in the document attached. since that day until today I 've been calling him everyday and he is ignoring my calls saying I sent you the letter. I asked him to email it and he said that he cant, I asked him to ship it with tracking number and he can charge me for the shipping he refused, I begged him to send it and my last phone call with him, he said that I should realistic, and that I should have known better that he will not send me anything. and he did not remove the collection from my credit reports. I am really helpless and this is really unfair, I am the one who called them and paid my debt and he promised he will send me the documents and he is not. my life is ruined from this situation, I could not get the loan for the house. and I paid it. this is really unfair. please I need your help with this matter. just make them send me the letter and clear the bill from my credit reports. I had a high credit score but after the collection record came on my account, my credit score dropped. I never had any debt in my life. I pay my bills in time. this is really unfair and Sad. I really appreciate your help.
01/16/2023 No
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 90059
Web
My name is XXXX XXXX XXXX XXXX a federally protected consumer, and I am making this complaint against Design Receivable Solutions for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Design Receivable Solutions can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Design Receivable Solutions continues its collection efforts, I will file f or litigation for actual damages caused and Design Receivable Solutions shall be liable for violations of TILA, FCRA, XXXX, XXXX, the XXXX XXXX XXXX, XXXX Act, XXXX XXXX XXXX FTC XXXX and XXXX Act. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.
05/14/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 90045
Web
I have been dealing with this issue for over three years. I first contacted Designed Receivable Solutions, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ( XXXX ) XXXX, in XXXX. I informed them that I had state issued Medi-cal, and the bill should have been taken care of by them. Spoke to medi-cal office and was informed that this bill did fall under the dates of service. Then i checked my credit report in XX/XX/XXXX, and to my surprise there was the delinquent amount again. I reached out to DRS, and spoke to XXXX, he informed me that the debt was to old to be paid by my insurance company. Called XXXX, and they told me debt should have been paid and to have them rebill. Called DSR again to inform them of what i was told by XXXX, asked to speak to XXXX supervisor, he transferred me to a women by the name of XXXX at Ext. XXXX, She then informed me to contact he hospital where debt was issued. After calling 15 different numbers and getting the run around from the hospital, I finally was given a number to XXXX XXXX XXXX XXXX XXXX XXXX. I spoke to a women named, XXXX out of the XXXX office @ ( XXXX ) XXXX, She told me that the hospital was sold and they no longer had access to the debt, being it was before XX/XX/XXXX and I need to call the collection agency because, they are the only ones that can do anything about it. Called DSR again and asked to speak to XXXX 's superivosor. Got a XXXX XXXX on the line, we went back and forth when she finally informed me to have the XXXX office send them a document called XXXX, and she would try to get in touch with the original biller ( XXXX XXXX XXXX XXXX ) and have them re-bill my correct insurance. She also advised me that because the hospital was sold, it would be really hard to get that done. Because the account is in collection, and they are the only ones that can infact take care of this.
07/25/2018 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 90018
Web
1. MY COMPLAINT IS ABOUT " DESIGNED RECEIVABLE '' A COLLECTION ACCOUNT FROM THE XXXX XXXX XXXX XXXX, A SUBSIDARY OF XXXX XXXX XXXX. THEY ARE LOCATED AT XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX. 2. THE TYPE OF PROBLEMS THAT I AM HAVING WITH DESIGNED RECEIVABLE IS THAT THEY WERE PAID MORE THAN ONCE. THE XXXX XXXX WAS PAID AND DESIGNED RECEIVABLE WAS ALSO PAID IN FULL. AFTER MY BANK CONFIRMED RECEIPT OS THEIR PAYMENT, DESIGNED RECEIVABLE REFUSED TO SEND A RECEIPT TO CONFIRMED THEIR PAYMENTS. INSTEAD THEY HAVE CHANGE THE AMOUNT SEVERAL TIMES AND HAS BEEN RECORDING ON ALL THREE CREDIT BUREAUS, XXXX, XXXX, XXXX, SEVERAL TIMES A WEEK AS A NEW COLLECTION, LOWERING MY CREDIT SCORES, YOU CAN TAKE A LOOK FOR THIS WEEK ALONE, THAT XXXX ENTRIES WERE REPORTED TO MY CREDIT REPORTS. NOT ONLY IS THE CREDIT REPORTER REPORTING THEIR INFORMATION, DESIGNED RECEIVABLE WAS DISPUTED AND PROOF OF PAYMENT WAS FURNISHED TO ALL CREDIT REPORTS AND WAS IT WAS DELETED AND CORRECTED BY ALL THREE CREDIT BUREAUS WHO HAD A LOCK, FREEZE AND FRAUD ALERT ADDED TO THEM. DESIGNED RECEIVABLE HAS BROKEN ALL THESE FIREWALLS/CYBERSECURITY AND IS REPORTING NEGATIVELY ON MY CREDIT REPORTS. I HAVE ATTACHED THE RECEIPTS FROM MY BANK AND A MORTGAGE COMPANY WHO WANTED A CONFIRMATION OF MY PAYMENTS. 3. I DONT KNOW WHO THESE PEOPLE ARE, BUT I AM WRITING TO YOU TO INVESTIGATE AND INQUIRED ABOUT THESE ERRONEOUS REPORTING AND THAT YOU WOULD MAKE THEM GIVE ME A RECEIPTS OF THEIR PAYMENT AND PERMANENTLY DELETING ALL NEGATIVE INFORMATION ON MY CREDIT. ALSO WITH SO MUCH ALERT ON MY CREDIT REPORT, INQUIRE AS TO HOW THEY HAVE SUCH AUTHORITY TO OPEN MY FILE WHENEVER THEY WANT TO. 4. I AM CURRENTLY SEEKING A PLACE TO LIVE, BUT MY CREDIT HAS BEEN UP AND DOWN WITH DESIGNED RECEIVABLE NEGATIVE RECORDING. PLEASE HELP ME AND REMOVE THIS FROM MY CREDIT REPORTS
08/12/2022 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
  • CA
  • 90036
Web
I sent in my police report and my FTC affidavit to the three credit bureaus XXXX and XXXX XXXX department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts has been deleted that was XXXX Enclosed is the proof that they deleted the fraudulent account. XXXX I got an alert that a fraudulent account was placed on my credit that same fraudulent account that was Deleted XXXX, XXXX They never noticed me of putting the fraudulent account on my credit after they deleted this fraud XXXX years ago. They have caused me caused me great damage and embarrassment also with emotional distress, Defamation of character. You have coursed me to loss a loan due this fraud you are illegally reporting. You are in complete violation of the FCRA and if this is not immediately deleted from my report I will seek legal action. This account is fraudulent and has been deleted already XXXX XXXX XXXX.DESIGNED RECEIVABLE XXXX XXXXEnclosed you will see police report sent the the collection agency and the credit bureaus, letters and certified letters. They requested for me to send them a copy of my ID and I did. This needs to be deleted due to fraud and they are knowingly and willingly causing me damages to my credit and aware that this medical bill is completely fraudulent. I will await only allowed time for this fraud to be resolved before taking hiring an attorney and filling a lawsuit on XXXX, XXXX and DESIGNED RECEIVABLE this complaint serves as proof to the courts that I have taken ever possible messures to resolve this fraud. and will no longer allow The credit bureaus and Designed Receivable Identity theft and my consumer rights.
10/03/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AZ
  • 85210
Web
I am extremely frustrated with Designed Receivable Solutions, a collection agency, and I want to express my dissatisfaction. The handling of my case has been far from satisfactory, as outlined below : Upon discovering that my identity had been stolen, I promptly took action to address the situation. However, the consequences of this unfortunate event have been severe, impacting both my credit score and overall financial well-being. Despite my immediate efforts to dispute the fraudulent accounts and collections, Designed Receivable Solutions has not provided the necessary support or assistance. Their lack of responsiveness and failure to take swift action has only exacerbated the stress and difficulties I have been facing. Resolving this matter has required extensive coordination with credit bureaus, banks, and law enforcement agencies. The collaborative effort to investigate the fraud and restore my credit report has been anything but smooth, and I expected Designed Receivable Solutions to actively cooperate in this process. Unfortunately, their negligence and inefficiency have only added to the already burdensome task of protecting my identity and recovering from the extensive damage caused. I am deeply disappointed with the level of service provided by Designed Receivable Solutions, and I believe that their actions, or lack thereof, have contributed to the prolonged and distressing nature of this ordeal. I hope that by expressing my frustration, they will recognize the gravity of their shortcomings and take immediate steps to rectify the situation. Thank you for providing me with an opportunity to voice my concerns. I trust that appropriate measures will be taken to address this matter promptly and effectively.
02/12/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • XXXXX
Web
This is a complaint from XXXX XXXX against Designed Receivable Solutions for Designed Receivables failure to provide requested information for the debt alleged. Designed Receivable Solutions have been reporting a negative line item on consumers credit report that is unrecognized by consumer. On XX/XX/XXXX, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. On XX/XX/XXXX, consumer submit a CFPB complaint after receiving no response from Designed Receivable Solutions. Designed claimed to have not received the letter in a response to the complaint on XX/XX/XXXX, so a second letter was sent on XX/XX/XXXX. On XX/XX/XXXX, consumer received a letter from Designed claiming to show validity for the debt, but it did not provide the requested documentation, including a chain of title showing ownership for this debt. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
01/03/2023 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
  • FL
  • 331XX
Web
i have linked the previous response the company designed receivable solutions inc said in the last CFPB complaint for reference which I find unsuitable. The company stated I was willing to pay them for a debt i have no knowledge of and ill and wrongfully stating to have sent me proof of validation on XX/XX/22 when that is false they have not sent me proof of ( proper ) validation regards to the FDCPA, XXXX and the FCRA including a breakdown of all fees including all collection as well as medical charges. To claim i owe them and not provide proof of the listed validation, contract they claim to have with my signature of agreement to pay them ( they claim ) is absurd. They will not be receiving any funds from me till their claims are proved to be correct. They don't even have my real address which is also proof they are just throwing things onto people 's credit and I will not tolerate this and they have no consent to add anything back onto my report till they prove their claims to me and they have a duty to prove proper reporting to me not the other way around. The company even took more than 30 days to response till i made the CFPB complaint which also is in violation of the law which I will also bring to me to court as evidence of the predatory practices if they so choose to feel the need to report onto my credit report again after mentioning to them him they have no consent till they provide ( PROPER REQUESTED EVIDENCE OF THE ITEMS LISTED ABOVE ). XXXX and XXXX I will also hold accountable for sitting back, seeing this happening and deciding to stay out of it when you have a duty to report accurate information and you are not just as well as they do ( designed receivable solutions inc )
06/07/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 90301
Web
I am submitting this complaint, because DESIGNED RECEIVABLE SOLUTIONS, INC has committed multiple violations and mistakes in my credit reports. This company has damaged me being NEGLIGENT AND UNFAIR. They have committed several damage. I haven't been able to get mortgage, I've been paying higher rates on loans, they have failed to secure funding, I have suffered psychological hardship and suffering through loss of sleep and anxiety. Accounts information : 1. Account number : XXXX, date XXXX, original balance : {$30000.00}. 2. Account number : XXXX, date opened:XX/XX/2019, original balance : {$280.00}. 3. Account number : XXXX, date opened : XX/XX/2019, original balance : {$510.00}. 4. Account number : XXXX, date opened : XX/XX/2019, original balance : {$150.00}. Your company is committing multiple violations to the CCRA. Please read them carefully. I need you to take this matter seriously : The hospital failed to bill XXXX insurance. There were unnecessary procedures that I was put through that were not necessary. Hospital over-billed and made me agree to take more expensive procedures than needed. I was grossly over-billed for what was one hour visit. Unfair business practices and negligence. Because all the damages and violations that I have suffered, I demand to get the accounts removed from my records. I give you a deadline of 30 to do so. Please be advised that unless this these items are removed from my credit report, I will file small claim based on all the violations mentioned above. Im open to resolve this issue in a good way. If you decide to ignore me, I will file a small claim in the next 30 days.
05/27/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91360
Web
This complaint is about a series of 8-10 envelopes that were sent to me by DSRI, which you will find attached to this complaint. The envelopes with the exception of one of them contain bar codes ( which represent numbers ) and QR codes, this is a major violation of the law 15 U.S. Code 1692f ( 8 ) - Unfair practices. I tried to resolve this matter with DSRI, but no one has reached out to me to address the issue.

15 U.S. Code 1692f - Unfair practices ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

Please find the burden of proof attached. 1. Envelope violations with QR Code and Bar Code 2. Complaint And Demand Letter Both have been sent to DSRI, no response ... 3. XXXX v. XXXX Case Law Attached Please consider that if the following is happening to me it is happening to thousands of other just like me and I ask that the CFPB take this complaint seriously and even escalate this to the special investigations unit.

I do not wish to dismiss this case and file a case in civil court and have to hire an attorney, which DSRI would end up paying for. I think we can manage to settle this matter before a class-wide resolution is needed.

It is in the public 's best interest for the CFPB to investigate this matter as it will provide greater transparency into how debt collection agencies break the law and greater transparency into how DSRI conducts itself.

08/01/2017 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
  • CA
  • 93551
Web
Unverified Accounts : I have recently received a copy of my credit report from all 3 bureaus and found a number of inaccuracies pertaining to the accounts listed below. I have contacted said bureaus to dispute these reports requesting, specifically the SIGNED contracts that they have on file with these companies. Not ONE company returned any signed contracts as requested because I DO NOT HAVE CONTRACTS with any of the companies. I have not received goods or services from ANY of the listed companies and yet they continue to report erroneous accounts to the credit bureaus simply stating that they have verified the account without any signed contract. FCRA Under Section 611 ( a ) ( 5 ) ( A ) ( 1 ) States " ALL 3 credit reporting agencies must have ORGINAL signed paperwork in their physical possession before they can report it to you credit file. '' These entries on my credit report are in direction violation of this section as well as FCRA 15 U.S.C Section 1681i : states " All unverified accounts must be promptly deleted from a consumers credit report ''. Yet these accounts still remain without the bureaus requiring the signed contracts as requested. It was requested that these accounts be deleted if said signed documents were not produced. Original request was last sent to all three credit bureaus on XXXX XXXX, 2017. The creditors listed on my reports are as follows : Designed Receivables Acct # XXXX Bal : {$380.00} Designed Receivables Acct # XXXX Bal : {$1700.00} XXXX XXXX XXXX XXXX No Account # listed Bal : {$27000.00} XXXX NO Account number listed Bal {$0.00} XXXX XXXX Account # XXXX Bal {$1400.00}
10/27/2021 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 900XX
Web
According to the Fair Debt Collection Practices Act, codified as 15 USC 1692, you, as a Debt Collector are required by federal law to verify with the physical original written and signed consumer contract on recording, related to the account you are attempting to collect on. Otherwise, anyone paying for your Debt Collection services could fax, mail or email in a fraudulent account. Your failure to verify this account is trespass on right to privacy and to contract. Under the FDCPA, unverified accounts are considered a Fictitious Obligation and any demand for payment of such is an attempt to extort and administer property without right. Designed Receivable Solutions Incorporated has failed to provide a signed contract for this alleged account. An original contract is required as proof in the event of a lawsuit. This is a billing error and the alleged debt is not validated and in dispute. Additionally, 15 U.S. Code 1692c ( a ) states : Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692 e ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. Designed Receivable Solutions has violated the FDCPA and I plan to exercise my rights as a consumer.
08/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AL
  • 366XX
Web
I am writing to request that you immediately cease reporting any information to the credit bureaus regarding the alleged debt you claim I owe until you have fully verified the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). In addition to the above, I urge you to provide me with the original contract bearing my signature and that of the original creditor, as well as the bill of assignment. Please ensure that any accommodations granted are reflected in the original contract or bill of assignment. Furthermore, I demand that you provide me with evidence of the license to collect in Alabama, if any insurance has been filed on this debt by the original creditor, and if a 1099-C has been filed. Finally, I urge you to provide errors and omissions insurance. I hope that you will be able to supply all the required information promptly. If you fail to comply with any of the above requests, I will consider taking legal action against you in future. XXXX is showing Date Last Reported for XX/XX/XXXX, XXXX is showing Date Last Reported for XX/XX/XXXX, XXXX is showing Date Last Reported is XX/XX/XXXX. XXXX is showing Date Last Active for XX/XX/XXXX, XXXX is showing Date Last Active for XX/XX/XXXX, and XXXX is showing Date Last Active showing for XX/XX/XXXX. This is discrepancies on my credit report and the lenders think this account fraudulent. The comment by your company states '' Charged Off Account '' which means you need to send me a 1099c form.
09/01/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • CA
  • 90047
Web
Made a dispute with XXXX on XX/XX/XXXX which was received by certified mail # XXXX that was received on XX/XX/XXXX per the certified mail receipt. Addtiionally, I sent the same dispute on XX/XX/XXXX that was received XX/XX/XXXX certified mail # XXXX per the certified mail receipt received. The dispute letter sent both times is listed below : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Disputing Credit Report I recently received my credit report from your company and located the following incorrect information. This credit report does not accurately reflect my true payment or credit history and is therefore extremely injurious to me. I request for any and all documentation associated to verify my account including my signature. If you fail to produce any documentation I ask for this information be deleted from my credit report. My disputes are as follows : Designed Receivables XXXX # XXXX This account is not mines Designed Receivables XXXX # XXXX This account is not mines XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX This account is not mines Please send the names and addresses of the persons contacted to verify this information. If this is not resolved with in 30 days a have the right to small claims litigation as I can legally seek {$1000.00} for each violation : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Signature and SSN redacted for privacy
04/18/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92805
Web
This is a response to DESIGNED RECEIVABLE SOLUTIONS, that i allegedly owe this debt. I would like to point out that they are in violation of : 15 USC 1692f ( 8 ) A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section, not use any language or SYMBOL on any envelope or in the CONTENTS of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. They are also in violation of : 15 USC 1692b ( 2 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall NOT state that such consumer owes any debt. You can see the violations from the paperwork I have submitted from DESIGNED RECEIVABLE SOLUTIONS. They are also in violation of 15 USC 1692b ( 5 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
04/14/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • CA
  • 91730
Web
I received a medical bill fromDesign Receivables Solutions Incorporated and Company, XXXX XXXX XXXX, XXXX XXXX XXXX , CA. This is after two years of my date of service an emergency room. I had received other bills concerning my treatment on the XX/XX/2013 which have all been settled by my insurance. Some bills arrived in the post more than XXXX time until they where resolved by insurance. Another debt collector service called me in 2013 to negotiate payment for a bill. This particular company kept silent about the fact that I still owed for two years and then sent me a bill after I changed my address. I called them and said I have insurance and I have sent my details. They responded that my insurance can not cover my bill because two years have elapsed. I replied that if I send my insurance details in answer to a bill and a creditor does not respond, I will assume that the bill has been settled by insurance. The collection agency has to response to the question- Why wait you wait two years to send a demand letter for a debt or send a follow up that you did not receive my response to your demand letteror send follow up letters continually demanding my debt to youror send a letter or phone call stating that you received my insurance details and my insurance does not cover the debt for the service offered. I searched XXXX, XXXX and XXXX company online and found out that this is their usual practice
08/17/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • CA
  • 90024
Web
in 2020, I filed complaint no. XXXX, regarding this same issue. They are misrepresenting amounts, excessively flagging the debt on my credit report and I do not owe the debt. As I sated before,, this debt is tied into a class action lawsuit. This collection agency harassed me to the point that I had to tell them to stop the excessive calls and robocall voicemails. Recently, they added several additional accounts that were illegally duplicated and I have already addressed this issue with XXXX. I called to speak to someone and the woman was threatening in nature and refused to answer when they sent information about this additional debt in writing. When I told her that I do not owe this debt she told me that I better call the XXXX?? I'm not sure why calling the XXXX was mentioned, but their staff is XXXX and XXXX. This collection agency constantly misrepresents the amounts to confuse debtors and the constant flagging of debts that is not owned. I have contacted my attorney again regarding this issue. I'm uploading case information regarding my active lawsuit regarding one of the debt amounts. I provided proof of payment on another amount to this debt collector on XX/XX/2020. There was another amount that was paid and they are still to collect it again. They misrepresent amounts to try to collect debt more than once and it needs to stop.
10/19/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90247
Web
Regarding : Account XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am reaching out to you to make you aware of the request I have made to XXXX XXXX at Designed Receivable Solutions Inc., for him to mail and produce a copy of the original bill From XXXX XXXX XXXX XXXX that Designed Receivable Solutions Inc. is collecting for and has placed on my credit report. I requested a copy of the bill they claim I owe on XX/XX/XXXX and have not received it yet! I have since reached out to XXXX XXXX XXXX hospital billing department and they informed me I do not have a balance due with them. I also reached out to Doctor XXXX XXXX billing department, who is a part of the XXXX XXXX XXXX XXXX because XXXX stated the billing date was XX/XX/XXXX for Doctor XXXX. His office informed me as well I do not have a balance due. According the credit trade commission if the collecting agency do not produce/provide the original bill within 30 days, they have to delete the information from all 3 credit bureaus. It has been 2 months and every time the 3 credit reports contact them they say they are reporting correctly. They have stop calling me and returning my phone calls because they know they have to emove this debt from my credit report. Thank you, XXXX XXXX
10/27/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • CA
  • 902XX
Web
We are being blackmailed by Receivable design Collection company. We reach an agreement that we will be paying monthly payments that we could sustain. After three months of consecutive payments, without any notice, Receivable design collection put a collection on our account. Following our conversation with them, we reached an agreement that we will increase the monthly payments, but they will remove the collection from our report. Now we found out that they didnt fulfill their part in the agreement and didnt remove the collection but rather updated it, confirming that the account is still under the collection. When we called them, they said that the only way to remove the collection is by paying off the balance. Because of their misleading action, I can not be approved for the parent plus loan for my daughters senior year at the university, which can jeopardize her graduation year. In order to get the account to be paid off, Receivable Solutions use decisive methods, such as putting the collection on customer credit reports without notifying them, saying they didnt keep the credit card on file although they charged the credit card several months. They use tricky techniques to victimize the people they are dealing with
02/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AL
  • 36608
Web
XXXX XXXX XX/XX/XXXX In accordance with Fair credit reporting act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. THE FOLLOWING XXXX ACCOUNTS # XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX {$510.00} XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$830.00} XXXX XXXX XXXX FOLLOWING : XXXX XXXX {$91.00} XXXX XXXX {$75.00} XXXX XXXX {$75.00} XXXXXXXX XXXX XXXX FOLLOWING : XXXX XXXX {$170.00} HAS VIOLATED MY RIGHTS! 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A. SECTION 2 ; IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681C [ 5 ] SEC STATES ; NOCONSUMER REPORTING AGENCY MAY MAKE CONSUMER REORTS CONTAINING ANT OF THE FOLLOWING ITEMS OF INFOMATION ANY ADVERSE ITEM OF INFOMATION, OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 7 YEARS. 15 U.S.C 1681S-2 [ A ] [ XXXX ] A PERSON SHALL NOT FURNISH ANY INFOMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFOMATION IS INACCURATE.
11/04/2017 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 91335
Web
On XXXX XXXX, I sent Designed Receivable Solutions collection agency a letter asking for a breakdown of interest charges. The original debt sent to me XX/XX/XXXX was for {$7700.00}. A breakdown was provided of said debt to this amount along with almost double the cost in interest charges with a grand total of over {$12000.00}. Since I ran my credit and I initially contacted this collection agency request for verification in XX/XX/XXXX, this agency has intentionally flagged my credit by increasing said debt weekly with zero explanation as to how this amount is charged. It raises red flags because the various amounts range from {$2.00} to {$22.00}. Each week there is a different dollar amount added and each month the total is different. This agency even decreased the amount by {$11.00}. They even reported to XXXX that I refinanced/renewed this account which is untrue. It amazes me how this company can find time to trigger my credit report weekly but can not find time to respond and when I question the interest on said debt, I receive no response. This company is ruining my credit and I want this debt removed. Thank you
09/21/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 90046
Web
I have run y credit Report 2 month ago and I found out that a collection agency had report a debt from XXXX XXXX XXXX of the amount of {$37.00} which is complete wrong when I was at the hospital 2 and 1/2 years ago I was admitted as an emergency due to a medical condition while I was there the hospital new I did not have any Insurance and I did not have any Income Which they told me the were going to qualified me for emergency medical while I was there and the bill will be taken care. Then one year later I did get a phone call and letters of collection which sorry I did not recall at this time the name and there were told the same thing as above. and they had corrected and they even found my letter f hardship. Now I found out that a complete new agency took over the XXXX XXXX collection ( it seems ) that they are collecting from people debts which I was never notified I never give them any authorization to go thru my private information and as I see in there marketing information they get the debt and try to collect from clients as a new debt I will like this collection to be taken immediately out of my credit
01/24/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 90035
Web
I never received any clear communication from the debt collector Designed Receivable So for any debts that were incurred. I disputed the collections with all 3 credit bureaus and they still failed to update any current dispute status on my reports. it shows that they last updated the accounts 3-4 years ago? I feel my rights have been violated. The collection accounts that I have been disputing are all with Designed Receivable So. I researched my rights and here is what I have found. According to 15 USC 1681i XXXX, XXXX XXXX XXXX XXXX shall free of charge, conduct a reasonable re-investigation 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 dispute from the consumer or reseller. These accounts were disputed directly with the credit bureaus on XX/XX/2022 and XX/XX/2022, and as you see in my attachment no status updates as of my recent disputes. My Rights have been violated.
11/21/2016 Yes
  • Debt collection
  • Medical
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • CA
  • 93550
Web
On XX/XX/2016 I reviewed my credit report and saw that XXXX was reporting negatively on my report to all XXXX Credit Bureaus. I have then contacted XXXX thru certified mail and requested a validation of the said debt pursuant to FDCPA. On XX/XX/2016 Design receivable Solutions sent me a copy of diagnosis or what was done to me from XXXX without my consent. As per HIPAA no medical information should n't be released without the patients consent and in this case I have not given any form of consent bearing my signature to XXXX nor Design Recovery Solutions to release such information on my behalf. I have sent a a certified letter to all XXXX CBs regarding this violation but to no avail I have not received any response from either one of them and to this day it is still showing on my report. I am requesting that XXXX to delete the said negative report due to HIPAA Violation other wise I will be filing a small claims regarding the said matter for defamation, violation oF FDCPA including but not limited to section 807-8 ) and HIPAA violation. I have all the proof should you need them please advise.
04/15/2016 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 90804
Web Older American
I received a " Letters Of Dismissal '' from the " Office Of XXXX XXXX XXXX XXXX, Administrative Law Judge '' dated XXXX XXXX, 2015, telling me that charges by " XXXX XXXX XXXX And XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) for the doctors charges ( {$24.00} ) and the hospital charge ( {$150.00} ) had been dismissed by a Administrative Law Judge ( XXXX ) and the original debtor, XXXX XXXX XXXX XXXX XXXX XXXX, that they agreed not to pursue any payments from me. The collection company, '' Designed Receivables Solutions, INC '' I, refuses to acknowledge this and will not take this debt off my credit report to the XXXX major credit reporting agencies ( XXXX, XXXX, XXXX ) I filed a complaint with XXXX and XXXX. They ( the collection company ) did have the collection debt removed from XXXX, but not with the other XXXX credit reporting agencies ( XXXX and XXXX ). I sent them a letter with copies of the dismissal letters and a copy of the their bill asking them to stop calling me and take this collection debt off my credit report, on XX/XX/XXXX.They have n't done so, as of this date XXXX XXXX.
01/12/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 902XX
Web
Designed Receivable Solutions, Inc. is attempting to collect payment from me for two accounts identified by Designed Receivable Solutions, Inc. as being account number XXXX ( {$45.00} ) and account number XXXX ( {$50.00} ). I have previously written to Designed Receivable Solutions, Inc. to request verification and explanation of the amounts owed via Designed Receivable Solutions, Inc. providing me an explanation of what the charges are for, from where they originate, and what services were provided by an original creditor to substantiate the original charges. Designed Receivable Solutions, Inc. has so far completely failed to answer my request for explanation and has failed to provide me any documentation from an original creditor supporting the request for payment. Designed Receivable Solutions, Inc. is also adding a large amount of accumulating interest to the amounts it is requesting. I am not aware of any unpaid bills that I owe, and certainly hesitate to pay for charges I don't recognize and which have no supporting documents provided to me with request for payment.
10/14/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 93560
Web
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of account/items which do not belong to me or were opened without my permission. 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 DESIGNED RECEIVABLE SO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
08/02/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90016
Web
The two companies are, ( XXXX ) and ( DESIGNED RECEIVABLE SOLUTONS INC ). I have filed a police report regarding Identity Theft and fraudulent debt collection as a result of identity theft. The police report was filed and reported to ( XXXX XXXX XXXXXXXX XXXX XXXX ), located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CALIFORNIA XXXX. I am currently disputing this matter with ( XXXX ) credit reporting agency and ( Designed Receivable Solutions Inc ) collection agency. The assumed amount of fraudulent debt requested by ( DRSI-Designed Receivable Solutions Inc ) is ( {$2500.00} ). I have submitted the full police report to the above agency demanding this fraudulent debt collection account be deleted and removed due to identity theft of my ( Name, California ID Number and Social Security Number ) being used for fraudulent purpose. I asking that both agencies immediately remove and delete from their Data Base fraudulent debt collection due to Identity Theft, in my name and personal information related to me. Thank You
02/25/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90029
Web
DESIGNED RECEIVABLE has failed to VALIDATE this debt they only send paper statements under FDCPA thats violating my rights as a consumer. They are also attempting to collect a debt that is past the statue of limitation. They have not provided me with the original contract bearing my wet signature. I have no contract with DESIGNED RECEIVABLE. I have the right to privacy. I never gave consent to report this account on my consumer report. This account needs to be removed/ deleted/ blocked from my consumer report. You told me to contact this company and I have done so. FDCPA 809b requires this to be deleted until they validate. I have requested validation and they have not produced it. Delete this now. Please produce the contract used to verify this account because I have none with them and the information you have is inaccurate. I have also filed and Identity theft report and this account is included. Its been over 4 business days and this account still hasnt been blocked under FCRA 605B 15 U.S.C. 1681c-2
08/18/2020 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
  • CA
  • 92627
Web
On XX/XX/XXXX or XXXX, I noticed that I had a collection reported in the amount of {$5100.00}, which is the original amount. The updated amount with fees is now {$5400.00}. I immediately did a 3-way call and contacted my insurance company and the hospital listed on the report, because I knew there was clearly an error. After the XXXX XXXX representative and a representative from the billing department at XXXX XXXX came to the conclusion that there was indeed a billing error and XXXX XXXX paid the correct amount, the XXXX XXXX representative requested my medical medical claim processing record, which was sent to her on XX/XX/XXXX via email. The representative then responded saying that they will contact the collection agency to remove it from my report due to the error. However, when I checked my report it shows as closed instead of it being removed. I contacted the hospital again and was advise to dispute directly with the bureaus. I disputed online but they were only updated and one showed as closed.
12/19/2022 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
  • FL
  • 331XX
Web Servicemember
This XXXX an advisory that this account by the name of designed receivables has been knowingly and wrongfully reporting onto my credit report. I have sent this agency disputes which I will attach copies of here and they have been reading them and willfully choosing not to reply, this is grounds for removal and I will attach green return label for proof they chose to ignore me rather than to apply accordingly to my dispute letting them know they are illegally and wrongfully reporting to my consumer report. I AM ALSO REQUESTING PROPER AND COMPETENT VALIDATION OF THIS DEBT AND HIPPA AUTHORIZATION, A BREAKDOWN OF FEES INCLUDING ANY ALL COLLECTION COSTS AND MEDICAL CHARGES, A COPY MY SIGNATURE WITH THE PROVIDER OF SERVICE TO RELEASE MY PRIVATE MEDICAL INFORMATION TO THEM, AND TO STOP ALL CREDIT BUREAU REPORTING UNTIL THIS DEBT HAS BEEN PROPERLY AND COMPETENTLY VALIDATED NOT VERIFIED BY ADDRESS THAT I HAD TO PROVIDE TO THEM CAUSE WHEN I CALLED THEY DIDNT EVEN HAVE MY ADDRESS ON FILE ( recorded )
09/27/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90274
Web
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. XXXX XXXX XXXXXXXX Date Opened : XX/XX/22 Balance : {$360.00}XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/22 Balance : {$82.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
08/21/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90024
Web
I received a collection notice today ( XX/XX/2020 ) from Design Receivable Solutions dated XX/XX/2020 regarding a medical bill in the amount of {$300.00} from XXXX XXXX XXXX XXXX. Ive received several blank statements with no explanation of what this amount is from. An attorney also requested this same information as well on my behalf. To date, I have not received any back up information about this bill and I can not verify that it even belongs to me. This mystery bill showed up after I paid out of pocket for my first XXXX session ( {$1300.00} ) and my insurance ended up paying for this XXXX session and I was entitled to a refund. Instead, XXXX XXXX kept my money even after my insurance paid them as well. This bill is a mystery. They kept sending a blank statement with no explanation and now they sent me to collections! How about sending me the proper back-up to myself or the attorney that requested the information. Taking advantage of a XXXX patient is shameful!
10/22/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • XXXXX
Web
After reviewing my credit file on XX/XX/23, I identified a discrepancy with account listed under Designed Receivable Solutions. I requested validation on XX/XX/23 as this was not an account that I recognized. They responded with a copy of the debt that I don't recognize without any validation. I reviewed my credit file again on XX/XX/23 and this account continues to reflect on my credit report. On XX/XX/23, I sent out a 2nd validation request letter. I have not received any response and as of today XX/XX/23, this account is still being reflected on my credit report. I do not believe the account belongs to me nor do I believe that the creditor has 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.
05/17/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • CA
  • 92324
Web
Hello, I have few accounts with the company designed receivable solution located @ XXXX XXXX XXXX XXXX, CA XXXX and I wanted to clarify few things and I believe the manager would help me to answer my questions and I spoke to XXXX. She was cutting me off all the time, she was not attentive and sarcastic while we were on call. Her tone was unacceptable and when I asked her to provide me with her manager that she reports to she refused to provide me with the contact, she transferred me to the supervisor who is bellow her position and I had to beg them to give me the contact number for their director. I wanted to address the issue to him but he was out of office. The call was recorded with this manager. I asked a supervisor their social media address and they refused to provide me with this as well, I located their website and emailed up executive management about this incident. Nothing is transparent in this company and the manager who runs this place is rude.
11/04/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90221
Web
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on 3 Bureaus ' responses about the written requests I sent regarding DESIGNED RECEIVABLE. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : 1. DESIGNED RECEIVABLE SO XXXX Balance {$300.00} ; 2. DESIGNED RECEIVABLE SO XXXX Balance {$420.00} ; 3. DESIGNED RECEIVABLE SO XXXX Balance {$1600.00} ; 4. DESGN REC XXXX Balance {$130.00} ; 5. DESGN REC XXXX Balance {$74.00} ; 6. DESGN REC XXXX Balance {$160.00} ;
05/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 90017
Web
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 exist 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
01/19/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 93535
Web Servicemember
Date reported : XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$50.00} Amount {$0.00} Status Date XX/XX/XXXX Status PAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxxxxxxxxxxx XXXX Creditor Classification Medical or Health Care Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX amoun Comments : I had medical insurance through XXXX that covered this procedure. I was not sent or called with a payment request. billed or notified. Upon finding out about this bill while checking my credit I called designed Receivable Solutions I was told that it would be removed if I paid {$50.00}. I insisted that I was not familiar with this bill and I wanted to dispute it. I was informed that I should just pay the bill and it would be removed. I paid and 3 years later the collection account is still showing up on my credit report. Medical
06/17/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 90503
Web
My XXXX XXXX XXXX is XXXX of California. They have a history of not recognizing nor respecting maximum co-pays for calendar years. for XXXX I hit my maximum co-pay on XX/XX/XXXX I was asked to pay a copay on XX/XX/XXXX and declined. XX/XX/XXXX XXXX sent me a bill. They gave me an email address ( XXXX ) to send the letter confirming this from my insurance. This email was sent XX/XX/XXXX. No response was received. I emailed a follow up XX/XX/XXXX. I received another bill in XXXX. I called XX/XX/XXXX and was told my email had been received and to reply to the email and ask them to call me. No followup nor phone call was received. XX/XX/XXXX I received a notice dated XX/XX/XXXX from Designed Receivable Solutions that they were collecting my debt on behalf of XXXX. I do not see how it can be legal to send a debt under dispute to collections without any attempt to address the consumer 's issue.
08/07/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91350
Web
Because I have credit monitoring, I received an alert on XX/XX/2022 that a collection had been added to my credit report. When I checked the alert, it was from Designed Receivables Solutions ( " DRS '' ). I called DRS to ask what this debt is from and all they would say is that it is from XXXX XXXX XXXX. I explained to them that that city is over 100 miles away from where I live, and that I have never visited that area. I asked them for the account information and they said I would need a police report. They never sent me a letter or contacted me about the debt before adding it to my credit report. When she asked to confirm my address and phone number, it was an address that I hadn't lived at in over 10 years. I sent them a letter requesting the account information of the debt, and they have never responded back, but instead they listed the account as disputed on my credit report.
05/17/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • FL
  • 32926
Web
Designed Receivables is continuing to misstate and bully their way into collecting money that is no longer owed. XXXX XXXX is a group of physicians and medical group. There are a XXXX load of medical collections by designed receivables on my credit bureau. I have been waiting for Social Security XXXX for a VERY long time. Upon looking at my credit bureau, I saw a pile of these listings. I didn't know that they a ) didn't or wouldn't work with the medicare insurance, B ) wouldn't try and find Medicaid. It is true, I did not have any income in XX/XX/2012. When I finally got medicare, they did not try to file with medicare. When I gave them the info, they told me I needed to pay them and get money anyway. At that point, I called the billing dept. at XXXX XXXX. That is when the billing dept said th3ere is no balance. My medicare was backdated.
07/18/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • LA
  • 70560
Web
A debt collection for over a thousand dollars appeared on my credit report with XXXX. I have never been to the facility that the debt originated from. I contacted the facility where the debt originated from, and they dont even have an account listed under my name. I told them about the debt collection on my credit, and I also submitted a copy of my identity theft report to them. I was told that they would contact the collection agency and have it removed. I attempted to contact the collection agency as well, and I also submitted my identity theft report to them. This collection account is still on my credit report, and they havent removed it. I filed a dispute with XXXX, and I also submitted my identity theft report to them. All they did was put a note on the account that I disputed it, but they didnt remove it from my credit file.
03/31/2021 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TN
  • 38401
Web
I was visiting California and had to go to the XXXX XXXX. At that time and to present day my insurance was XXXX a XXXX policy. My policy covered 100 % of the medical expenses. All the other services for this visit was covered by my insurance. I don't know if the medical billing at the hospital failed to submit the claim accurately to the insurance company, but I'm absolutely positive I'm not responsible for the bill being a insured person. I have tried to get this resolved, but the company refuses to comply. To my knowledge, they would be able to resubmit the bill through my insurance and resolve any outstanding balances. However, the company neglected to take that course of action. They've now reported a collection account to the credit bureaus resulting in a negative effect on my credit rating and report.
07/06/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 902XX
Web
I am a victim of identity. Someone has obtained my personal information and created fraudulent accounts. I did not know how my personal information was obtained or who obtained it. I did not give permission for anyone to use my personal information and I did not receive any services or goods from these accounts. I filed an Identity Theft police report and also reported this to the Federal Trade Commission ID Theft Affidavit. I have sent the company notification I am a victim of ID Theft have sent them my ID Theft affidavit, statement and ID Theft police report. Desgn Rec still is knowingly reporting the fraudulent accounts on my credit report after they are aware I am a victim of ID Theft. These are not my accounts, they are a result of ID Theft and I need all attempts of collecting these fraud accounts
02/22/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 91324
Web
XX/XX/2018 I sent out a certified letter to Designed Receivable Solutions which stated to verify the debt that they're claiming to belong to me. I also informed them that while they're given 30 days to have the original documents stated in the letter they are not to make any changes, pull or update my credit. They did it anyway and hurt my changes of getting any credit. NO RESPONSE from the company but they made changes to my account when I specifically told them not to. That alone broke the rules of my rights under federal collection laws. XX/XX/2018 I contacted the company again via certified letter stating the same request. They still haven't responded. and yet they continue to damage my credit this company stated that I owe XXXX that went up to XXXX, with no original documents and no responses.
06/09/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 90049
Web
Thank you for giving me the oportunity to solve this problem through this portal. I hope to get a fair solution. This situation is overwhelming for me now. I am writing to you today regarding the following account : Designated Receivable Solutions, account # XXXX, opened date reported : XX/XX/2015. This company is committing so many violatoins to my rights as a consumer : 1. Failing to investigate account : I sent validation request last month which wasnt responded to Designated Receivable Solutions. 2. Misreporting activity dates. 3. Inconsistently reporting accounts off bureaus- California Rosenthal Act violation. 4. Unfair business practices. 5. Reporting incorrect opening date. Please, I am asking you to send the attached documents to Receivable Solutions. I thank you for your help.
10/26/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 90260
Web
I am submitting this complaint because DESIGNED RECEIVABLE SOLUTIONS, INC has damaged my financial emotional life. They have been being negligent with their report. The accounts involved is the followings : Account number 1 : XXXX Date Opened : XX/XX/2019 Original Balance : {$220.00} Account number 2 : XXXX Date Opened : XX/XX/2019 Original Balance : {$75.00} I am demanding the item completely removed from my reports. My demand is based on the following actions by this company Re-aging account., Unfair business practices., Negligence., Failure to provide customer adequate customer service., Violation of CCRA., inconsistent report across bureaus., Failed to mail adverse notices., emotional stress, credit score drop, etc. Please send the attached documents to the company. Thank you.
04/30/2018 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 90028
Web
I recently received a strange, accusatory letter from Designed Receivable Solutions in the mail claiming that I had not paid my medical bills from XXXX XXXX Hospital. This was initially alarming because XXXX withdrew the last amount owed from my account when it was due in XX/XX/2018. We had set up an auto payment. Everything has been paid in full. I checked my XXXX XXXX account and the balance was {$0.00}. I became very suspicious because something does not seem right with this bill from Designed Receivable Solutions. They are claiming I owe a balance of {$390.00}. They are also attaching interest to this amount every week that it goes unpaid. I have found multiple reviews online claiming this company is a fraud. They have been scamming people out of money for years.
04/13/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 20720
Web Older American
XXXX credit bureau has a medical bill in the amount of {$1100.00} that is not mine. I have disputed this issue ( 3 ) times with no response. My last dispute the credit bureau responded stating that the information was vertify.Credit file # XXXX. I call the collection company : Designed Receivable Solutions. This bill was orginated at XXXX XXXX XXXX in XXXX, XXXX in XXXX. I left XXXX in XX/XX/XXXX and moved to XXXX. I never used XXXX XXXX. I am a XXXX. I know that there are ( XXXX ) other XXXX with the same name. I discovered this from the XXXX registry. The collection specialist vertifed all my information. She stated a mistake was made that the bill is not mine because there is a different birth date on the bill. She instructed me to submit a dispute to FTC.
08/24/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93535
Web
XX/XX/2012, my adult son became ill and hospitalized for several days. He did not have any income and several months later I found his medical bills on my credit report! I had California 's Medi-cal program for my minor son, but not for my elder son who was XXXXyrs. old at the time. I contacted them and they told me his medical bills were attached to my credit because he had no income! These collection accounts have devastated my credit scores! I contacted the collection company asking them to remove them but to no avail! These accounts are on my credit profile to this day, and they " update '' the date of collection every month as though they are new collection accounts! I am unable to refinance my mortgage now because of these bogus charges!
11/28/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92630
Web
As I called to get more information about this medical debt reported on my credit report that dropped my score XXXX points. XXXX XXXX XXXX explained that it could be issued by error on their part. The charges were made on XX/XX/2020 at XXXX XXXX XXXX and apparently it was a XXXX surgery on XXXX XXXX and the party was billed for the anesthesiologist bill was never paid. I have never been to this place nor have done any surgery on my XXXX, nor do i even LIVE in this area! This was incorrectly reported on my credit profile and is now hurting my credit reporting XXXX score. This is unfair that the medical billing and collections agency, try to put anyone responsible for others bad debts. This is affecting my ability to close on my home loan!!
08/23/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MS
  • 39056
Web
I have XXXX accounts reporting on my credit reports from this company. I have contacted them by mail on XXXX separate occasions to ask that this debt be validated with proof of my signature to be included. The company has never responded, and continued to verify the debt with the credit bureaus and continue to update monthly as if this is an ongoing debt. It has recently been reported as a charge off, which indicates that they are knowingly reporting misinformation. The debt is also past the statute of limitations for the state of MS and they never indicated that the accounts were under dispute on my credit report. This is a violation that is illegal and can be considered pursuing a debt after the statute of limitations has passed.
03/11/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 91360
Web
I recently noticed an item from DSRI on my Credit Report and they did not send me any notice of any kind regarding this debt, they simply just put it on my Credit Report. Recently I was also applying for credit and was denied because of the mark that DSRI has left on my Credit Report. They claim to have put in a request for removal already, but my actual damages have also occurred. Once again I am requesting that DSRI please contact my attorney about this matter to resolve. Stop with the semantics. PLEASE CONSIDER THIS MY DEMAND FOR PAYMENT FOR STATUTORY DAMAGES IN THE AMOUNT OF {$2000.00} ( FCRA AND FDCPA ) ACTUAL DAMAGES AND ATTORNEY FEES TBD. I AM A XXXX CITIZEN AND WANT DSRI TO STOP THE FINANCIAL RETALIATION!
01/31/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93635
Web
From the moment my credit monitoring service alerted me that this debt was coming in to my account, I tried non stop to contact Designed Receivable Solutions , Inc . This company has been purposely ignoring all of my written requests to obtain legal proof that the debt belongs to me. They have failed to proof such thing because the debt does not belong to me. However, unlawfully still sent my account to collections damaging my perfect credit score. I am very stressed out and they are now causing me to have health problems because they fail to answer my letters and they debt keeps popping up every month as a collection on my credit report. This is very unprofessional and wrong, someone needs to check on this company.
07/29/2021 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
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • CA
  • XXXXX
Web
CA Civil code 1785.25 ( c ) mandates the furnisher 's of credit information to add " CONSUMER DISPUTES '' to the furnished information to the credit bureaus. DRS ( Designed Receivable Solution ), even though has been sued under Civil Code 1785.25 ( a ) for furnishing INACCURATE & INCOMPLETE information to the credit bureaus still refuses to comply with the code and add " CONSUMER DISPUTES ''! Additionally, reports a medical bill as LOAN. This way drastically has MISREPRSENTED the case and as a loan claiming interest in on a disputed account. XXXX is the number DRS is registered with the Secretary of State. Said conduct of DRS does meet requisite elements of violation of Business and Professions code 17200 as well.
08/10/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 787XX
Web
On XX/XX/XXXX, I received a debt collection letter in the mail from Designed Receivable Solutions for an unknown creditor. The letter did not indicate any creditor information but gave a phone number to call. I called the number and they immediately asked for my personal information- my birthday and my social security number for " verification '' purposes despite my providing the account number assigned to me on their letter. I asked the agent who the creditor was, and she replied that she couldn't provide me with that until I gave her my personal information- which I did not. I ended the call and looked up their payment website. The website either did not exist or had an issue as it did not show up in my browser.
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
08/13/2022 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 90036
Web
The company Designed Receivable Solutions , Inc. has illegally and falsely reported a medical debt collection twice, i.e. in duplicate on my credit report thereby harming my credit score under unfair practices and has never sent me a debt validation letter. They have used the same debt but used ddifferent reporting accoiunts to the same credit rating agency thereby duplicating it and making it appear as twice and impacying my credit score. They have resorted to unfair and illegal practice by harming me and that too illegally reporting it in duplicate for which I have the screen shot. Please help me. This is fraudelent practice.This company is known to indulge in the same and has many lawsuits for the same.
01/03/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 92395
Web
I was in the custody XXXX and at the time of my arrest I was injured. I was first taken to jail, and then transported to the emergency room for treatment. Upon my release, I was billed for a total sum of around {$5500.00} I communicated with the hospital 's billing and let them know that I was in custody and XXXX was my legal custodian, and thus legally responsible for the bill. The bill was broken into partsXXXX. A {$310.00} collection was sent to the credit bureau. I have communicated this to all XXXX credit bureau, and well as the collection agency that is reporting to the bureaus. This debt has been written off in bankruptcy, but is a derogatory remark on my credit report.
02/11/2020 Yes
  • Debt collection
  • Medical debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • CA
  • 91601
Web
Design Receivables solutions was asked to verify over 13 collection accounts that they were reporting on my credit report. I was trying to validate if the debt was correct, mine and if it should be included in my bankruptcy which was already discharged. When I requested validation they sent ALL my medical records attached to each of the reported debts as validation of debt. This is a clear violation of my HIPPA rights as I NEVER signed a HIPPA release form allowing any third party collection agency to have access to my medical records. As a violation of HIPPA they are required to stop reporting this debt. They have not and continue to send me copies of my personal medical records
08/11/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 93552
Web
I was not made aware of the initial debt claimed of {$100.00} in XXXX. My address and phone number and all other contact information has remained the same. Furthermore, I have never been contacted by Designed Receivable So. On XXXX I received notification from a credit bureau of an unfavorable report to my credit Upon further investigation, I saw XXXX entries from Designed Receivable So. XXXX from XX/XX/XXXX in the amount of {$100.00} and XXXX from XX/XX/XXXX in the amount of {$110.00}. I was never contacted by the initial company, I was not made aware of the debt prior to it being sent to collections. I was not contacted by Designed Receivable So to attempt to settle the debt.
05/06/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 90302
Web
I was contacted last week on behalf of this company telling me about a debt for my daughter. They did not explain to me that I could dispute this claim nor did they mail me any information about this debt. The collector was very rude and I was just trying to figure out what she was talking about. I filed a complaint with the XXXX as well. But, it should be against the law for them to add this on my credit report without giving me all the information. I believe that someone has been fraudualent and used my medical information. They put this on my credit report without telling me that they would do so. They even said hey spoke to my husband in XXXX. I am. It married.
03/06/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 91360
Web
On XX/XX/2019 I received an alert from my credit montioring stating a new collections has been added to my XXXX. I noticed it is from XXXX. The company simply placed the item on my credit report and never sent me any notice. This is the first time I am hearing about this debt and it lowered my score 24 points. This is a text book violation of the Fair Debt Collections Practices Act And The Fair Credit Reporting Act. I am requesting that XXXX be investigated, please no phone calls communicate in writing only. XXXX XXXX is also a possible contact for XXXX XXXX I have attached the trade line that simply was inserted without any notice of any kind.
05/27/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90046
Web Older American
DESIGNED RECEIVABLE SOLU XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX DESIGNED RECEIVABLE SOLU has reported false fraudulent information to the 2 credit agencies XXXX and XXXX. I have written to the company DESIGNED RECEIVABLE SOLU letting them know the account is not mine. I never signed any contract with anyone at DESIGNED RECEIVABLE SOLU or had ever dealt with them. I have written a letter to them and all 2 credit agencies to immediately remove this fraudulent information. The amount which DESIGNED RECEIVABLE SOLU claims is due is {$360.00}. This appears to be an identity thief. Please help to remove this item from my credit reports.
11/07/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 902XX
Web
On XX/XX/2017, Designed Receivable Solutions added a derogatory mark on my credit report per XXXX XXXX and XXXX. Upon further research, this account was transferred/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 written 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 belongs to me. According to the FCRA, Designed Receivable Solutions has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
10/29/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 763XX
Web Servicemember
I have repeatedly requested proof of this medical debt being mine but the address wasnt mine, I didnt have a child at that hospital, and I lived in a different state at the time the claimed services were provided. They wont send me any proof with an actual signature and I sent a copy of my lease at the time they claim I had services. I was also sent a full copy of the persons medical information which is a violation of HIPPA. They have multiple collections on my report and refuse to remove any of them and theyre charging interest on it so its hurting my score more and more. I have gone 3 or four rounds with these people.
12/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AL
  • 366XX
Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX XXXX Account # has violated my rights. 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent. Type this out exactly in this box of you want to input your info and remove instructional verbiage.
04/15/2016 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • CA
  • 90241
Web
Designed Receivable Solutions - XXXX XXXX XXXX XXXX, Ca. XXXX XXXX Incorrectly reported what it seems to be a medical bill from XXXX XXXX XXXX XXXX XXXX in XXXX, Ca. I have tried numerous times to have the collection removed from both credit agencies. They have admitted this debt belongs to someone else. They are requesting a copy of my credit report. I have a problem providing that information to them, and I do n't feel comfortable sharing so much confidential and private information. They claimed it is my responsibility to prove they made a mistake. I am willing to share a portion of my SS # and a copy of my XXXX.
10/29/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 91403
Web
This XXXX debt was issue incorrectly as a results of extreme mess in the paper work in the office internal XXXX information, and added as an extra service wich one has been not provided for me because luck of XXXX. Is not true because I have XXXX PLUS XXXX + XXXX and this service never change since I 'm on XXXX. They overcharge me XXXX wanted to XXXX me off, but I always had insurance and I will NOT pay this XXXX amount. I already also contact XXXX regarding that incident back from XXXX. I also never has been threated in XXXX - XXXX XXXX XXXX and I never go there after this incident. Please make investigation.
04/05/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 366XX
Web
This company listed a fraudulent collection on my credit report. It did not notify me in writing of the account prior to it being listed on my credit report. My address is XXXX XXXX XXXX, XXXX, AL XXXX. I spoke with someone who said they had sent out a correspondence, but I never received one. The company is stating that I owe {$160.00} for services I didn't receive. I want this account permanently removed from my credit file and if the company has any additional information or correspondences that need to be sent to me they should be sent to the above address. This is not my account and a violation of FCRA.
02/06/2018 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
  • 90018
Web
Designed Receivables account with XXXX XXXX XXXX XXXX is reappearing and reporting a collection account of {$89.00} that was previously disputed in 2014. All credit reporting investigate along with the receipt for payment to XXXX XXXX XXXX XXXX as paid in full and remove from all credit bureaus. Now designed receivables is still reappearing on all credit bureaus reporting lowering my credit scores. Along with them is the XXXX credit cards that received their payment and reporting as late pay on all credit bureaus reporting, my credit scores. Please investigate and correct my reports. Thank you. XXXX XXXX
03/08/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 900XX
Web
Designed Receivable Solutions did not send me any correspondence about alleged unpaid debt. First time I found out about them trying to collect is from checking my credit reports, where they reported collection accounts I do not owe. I wrote them letter stating that I did not receive any correspondence from them, requesting proof of any debt owed, and stating that the validity is disputed. They did not respond in any way. Failed to remove negative reporting from credit reporting agencies. I do not have any unpaid medical bills. Whatever they are trying to collect is a fraud and does n't belong to me
05/04/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • NV
  • 89031
Web Older American
I been trying to work with " Designed Receivable Solution Inc. '' for the past month and a half. I spoke with a man working there and explain my problem and ask the man why that company was sending negative and false inaccuracy reporting to all three major credit bureau. I was never given a clear explanation why this third party collection agency was reporting bad and false information. I don't owe " DRS '', any money or anything else. This matter was handled/discharge in US BKPT Ct CA XXXX XXXX 2013. Why " DRS '' did what they did was unlawful. I am not obligated to them for anything.
10/03/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • CA
  • 90017
Web Servicemember
Company : Designed Receivable Solutions , Inc, Amount 1 : {$4400.00} Amount 2 : {$1000.00} Company has never sent correspondence stating I was going to collections or to show proof that I owe this amount and why. Have tried contacting and have not received a response. Have disputed the charge on my credit reports as well. These charges I assume are from a hospital stay. I had two health insurance plans at the time, VA XXXX XXXX and XXXX XXXX. The hospital has both insurance contacts and only approached the VA after I repeatedly asked them to contact XXXX.
03/21/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 366XX
Web
I have contact Design receivables numerous times to validate this deb to be mines. I have asked for my signature to show that this debt actually belongs to me and have yet to hear any correspondence from this collection agency. I have also ask if they are governed to collect debts in my state and city. This debt doesn't belong to me and every attempt that I have made I have never gotten a response. Yet this debt goes up and I am also wondering how can a debt owed increase. I would like this account removed for because it doesn't belong to me.
03/08/2023 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
  • MD
  • 21217
Web
I'm reporting someone requesting my credit repor to use it for fraudulent activities I also have a police report for the same person using my name and social security number to order my bank debit card for their personal well being I have also file a claim with the bank that the card was order and stolen from. I am filling this report because I want to dispute some things that is on my credit report that I don't recognize. My name is XXXX XXXX XXXX XXXX go by XXXX XXXX XXXX Please contact me at XXXX XXXX XXXX or XXXX. thank you for your help
10/21/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91316
Web
I am a victim of identity theft .This collection agency reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. I never had any medical services from XXXX XXXX or ever authorized to use my personal information. This have caused me great damage and embarrassment also with emotional distress.
02/21/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 91103
Web
I got an email notification from credit karma on XX/XX/XXXX that I have a collections report on my credit and when I checked what it was, I was surprised to see that DESIGNED RECEIVABLE SOLU ( I'm guessing this is " Solutions '' ) had this " opened XX/XX/XXXX ''. I am disputing this account on my credit report because I NEVER RECEIVED ANY SORT OF COMMUNICATION FROM THEM REGARDING MY MEDICAL DEBT- not a letter, not a phone call, not an email. I never had any derogatory report on my credit and this has completely tarnished my credit!
04/18/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AL
  • 36605
Web
I got a medical bill on my credit report fraudulently I disputed this account XXXX the XXXX 2022 On XXXX the XXXX 2022 is still appear on my account my account I disputed this account again XXXX the XXXX 2022 on XXXX the XXXX XXXX it still appears on my account XXXX the XXXX 2022 I'll dispute it this account again on XX/XX/XXXX XXXX 2022 is still appear on my account XXXX the XXXX 2022 I disputed this discount again on XXXX the XXXX XXXX is still apparent on my account And it's also on my credit report twice The same account
04/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AL
  • 366XX
Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
11/02/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90064
Web
There is a medical debt on my credit report that is not accurate. I have contacted XXXX XXXX, the collection agency and XXXX about verifying the information. I sent the a police report of identify theft and have asked several time for any type of paperwork that shows me how they properly verified that the medical debts information is accurate and I have not received any call, emails or any type of explanation that can show me how they went about the process of verification. I am not sure what else to do, thanks!!
02/13/2023 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
  • AL
  • 36575
Web
I have reached out to this company no less than three times. They have failed to provide proper validation, and continue to report the account in error. Account number is reported with symbols. Account status is not in compliance. It has not been 12 months since the original date of service. This is considered a HIPAA violation, as I gave neither party permission to share my medical records. Both of these accounts have the same account number, and are reporting twice. Surprise billing act has also been violated.
07/11/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • GA
  • 30328
Web
This is an outstanding account with a debt collector who bought this debt with XXXX Hospital. I contacted XXXX Hospital on my own to find out about this debt. I also told them that I was a victim of ID Theft and that my wallet was lost in the past with all of my personal information in it. XXXX Hospital went over the bill with me on a date of service that I was not familiar with. XXXX at XXXX Hospital stated that they no longer have the debt and that it was sold to the company that I am making a complaint to.
06/28/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 933XX
Web
XXXX XXXX told me as soon as my medical is approved that i would be able to come back to the hospital give them the insurance information that they would be able to remove this bill i also calledbthe hospital on occasions and told them i finally got my health insurance and they told me it would be tooken care of know i later on find out it went too collections i never got a call or bill in the mail regarding this as i thought it was handled by the hospital itself this debt was opened on XX/XX/2014 XX/XX/2014
02/10/2017 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • AZ
  • 85282
Web
DESIGNED RECEIVABLE SOLUTIONS has placed a derogatory account on my credit profile without my authorization which has violated the FDCPA. To my knowledge, I do not owe DESIGNED RECEIVABLE SOLUTIONS any alleged debt and would like them to provide proof of claim with authenticated verification. DESIGNED RECEIVABLE SOLUTIONS has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.
10/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AL
  • 366XX
Web
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
03/19/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 36575
Web
I have contacted each credit breau to validate this debt, also to verify if the debt actually belongs to me, I have yet to recieve any thing stating how this debt belongs to me, I have also notice that each month the debt increases by a XXXX and also I have checked to see if the are license and bonded to collect in my current state and they are not. I would like this account to be removed from my credit file, they can't give me the original documents proving that I am responsible for this debt.
02/06/2020 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
  • CA
  • 90035
Web
XXXX is in violation of my HIPPA rights. DESIGNED RECEIVABLE SO is also in violation of my HIPPA rights. XXXX XXXX XXXX is in violation of my HIPPA rights. DESIGNED RECEIVABLE SO is reporting invalidated, unverified debt to Experian. XXXX XXXX XXXX is selling invalidated, unverified debt to XXXX XXXX XXXX XXXX. XXXX is reporting invalidated, unverified debt that is in violation of my HIPPA rights that was obtained from DESIGNED RECEIVABLE SO that was sold by XXXX XXXX XXXX
04/27/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 366XX
Web
I asked for a validation of debit and was sent a full medical bill which is a violation of Hippa! It had exact procedures when I know about the Hippa law and I know I didnt go to the hospital nor sign a Hippa release form giving permission to let a debit collector get my medical records!! I am behold disappointed and plan on hiring a legal team for my pain and suffering!! This is the only negative item I have on my credit! Im very upset and have been battling this for over a year!!
08/08/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 92807
Web
I received a statement in XX/XX/2021 from a collection company by the name of Designed Receivable Solutions. They billed me for a medical bill that was already taken care by me. I was required to pay a deductible with my insurance company which was resolved shortly after my visit. I never received a validation notice from the collection agency giving me an opportunity to dispute this debt. Rather than receiving a notice ( required by FDCPA ), my credit was impacted. Thank you,
09/09/2016 Yes
  • Debt collection
  • Medical
  • Improper contact or sharing of info
  • Contacted me instead of my attorney
  • CA
  • 93552
Web
I gave all XXXX credit reporting agency 's over 60 days by certified mail and did not get my original signature of the accounts to finds its validation but not verification but the 3 rd party and the XXXX credit bureaus are violating my privacy rights under hipaa law on ongoing dates I never signed or gave written hipaa release to this 3 rd party collector to get all my medical information that 's invasion of privacy I contacted and filled out a complaint with XXXX online also.
02/23/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90036
Web
Last XX/XX/XXXX, I decided to write a letter to this company to request debt validation with regards to account XXXX. To date, I have not received any response from them. This is a total violation of FDCPA. The item still is being reported in my file which I believe is a violation of FCRA. I am doing my part as a consumer, exercising my rights, but this company just violated FCRA and FDCPA. Attached to this complaint is a copy of the letter I sent this company last XX/XX/2017.
11/27/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77373
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
09/17/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90805
Web
I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I didnt give permission to Designed Receivables for 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. Therefore my request is twofoldvalidation of debt and HIPAA authorization
08/10/2022 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 90047
Web
Designed Receivable Solution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX has placed XXXX collections on my XXXX credit file, one under the amount of {$500.00} in the amount of {$130.00}. Two others that are a duplicate of what's already been reported on my credit file. They are just different amounts. This company never sent me any communication stating that I owe them for any new collections. This action has caused my credit score to decrease XXXX points.
12/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 324XX
Web
15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
04/13/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92805
Web
I am requesting DEBT VALIDATION. This is a notice following the Fair Debt Collection Practices Act, 15 USC 1692g stating your response and claim is being disputed and validation is requested. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made following the above named Title and section. I respectfully request your offices to provide me with efficient evidence that I have any legal obligation to pay you.
10/08/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 12601
Web
designed recievable was not able to verify or validate this debt that i owe to them by my signature stating that i had and obligation to pay this allege debt and had deleted it from my XXXX credit file XX/XX/2014 and then placed it on my other credit files XXXX and XXXX i have reached out to them several times and they continue to verify this as reporting accurrately when they have deleted it from XXXX credit file and continue to report on other files
05/21/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 91403
Web
I contacted XXXX XXXX Hospital about the XXXX debt owed to the hospital and was told that they notified Designed Receivable Solutions and advised them to delete the negative accounts from all credit bureaus. I received a letter from Designed Receivable Solutions dated XX/XX/2020, stating they had received authorization from XXXX XXXX Hospital to remove any and all negative accounts from all credit bureaus under my name. I will attach the letter.
07/31/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 92264
Web
Back in 2014 I had XXXX at XXXX XXXX and they improperly coded my procedure resulting in my insurance company at the time not paying the entire balance which I just found out about and have been charging me interest monthly after checking my credit report. I have attempted to contact the collection agency and have been told that they can not do anything about correcting the issue and I have no rights other than to pay the entire balance to them.
01/18/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 90230
Web
Recently, I found a collection debit record from Designed Receivable Solution Inc ( XXXX, orignal creditor : XXXX ) on my credit report. I never went there to see a doctor, they must make a mistake. In fact, I know a guy whose name is similar to mine visited there to see a doctor and he also lived at the same place with me. I believe that they had made a mistake. So, I require to remove this collection debt from my credit history. Thank you.
01/27/2020 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 93550
Web
DESIGNED RECEIVABLES HAS BEEN TRYING TO COLLECT MEDICAL DEBT FOR UNKNOWN DEBT WITHOUT PROOF OF OF THIS DEBT, HOW IT WAS CALCULATED OR ANY CONTRACT FOR THE SUPPOSED SERVICE, LIST OF SERVICE, ETC. THEY'RE DISREGARD FOR MY RIGHTS HAS CAUSED THE ERROR IN REPORTING WHICH HAS LOWERED MY QUALITY OF LIFE. THERE ARE MULTIPLE COLLECTION ACCOUNTS OF {$980.00}, {$1700.00}, {$2000.00}, AND {$4800.00} THAT THEY HAVE NOT EXPLAINED AND SHOULD BE DELETED.
03/28/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 44240
Web
Ireceivedanegativeremarkonmycreditreport;TheaccountwasopenedonXX/XX/2018fortheamountofXXXXfromDesignedReceivableSolutionsrepresentingXXXXXXXXXXXXHospital.IamXXXXandhavebothprimaryandsecondaryinsurancewhichissupposedtopayforthesemedicalbills.IneverhadagoodunderstandingofcreditsoIallowedtheseremarkstobuildup,andnow,asIamworkingtorepairmycredit,IamfacinganumerousamountofthesefalsechargesandIhopethismattercanbelookedintoasagestureofgoodwill.
08/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AL
  • 366XX
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.
12/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 90017
Web
In Accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
05/04/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32926
Web
The debt sent to the collector was originally from a medical facility. I looked it up, Since I recently got XXXX, I wanted to make sure that it would be paid under SS, I called the original biller. Originally, I had tried several different angles to get the collector to work with me. When I finally called the Doctor/hospital, I found the bill didn't even exist. The debt collector refused to remove it. Spoke to XXXX.
02/11/2023 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
  • AL
  • 36575
Web
I HAVE REACHED OUT TO THIS COMPANY NO LESS THAN 3 TIMES. THEY HAVE FAILED TO PROVIDE PROPER VALIDATION AND CONTINUE TO REPORT THE ACCOUNT IN ERROR. ACCOUNT NUMBER IS REPORTED WITH SYMBOLS. ACCOUNT STATUS IS NOT IN COMPLIANCE. IT HAS NOT BEEN 12 MONTHS SINCE THE ORIGINAL DATE OF SERVICE. HIPAA VIOLATION AS I GAVE NEITHER PARTY PERMISSION TO SHARE MY MEDICAL RECORDS. THE SUPRISE BILLING ACT HAS ALSO BEEN VIOLATED.
08/15/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90047
Web
XXXX XXXX XXXX attempting to collect a medical bill in amount of {$440.00} that was reported on XXXX XXXX 2013, I have never been to any facility XXXX XXXX XXXX nor have a ever received written notice of this bill from the debtor. I have sent repeated request to debtor and all three credit agency to investigate the claim being reported to and to date have not received an answer from any of the mention parties.
01/26/2021 Yes
  • Debt collection
  • Medical debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • CA
  • 93720
Web
Hello Today I have received a called from my son that Designed Receivables ( collection agency, called him, to leave me a message that I was going o be served at my worked place, I have been trying to solve this situation with the collection agency for months Maybe more that a year already, only thing that they do is re ager the account, and increase the amount " owned to them '' is this even legal?
07/13/2021 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AL
  • 36605
Web
on XX/XX/2021, i sent letters to DESIGNED RECIEVABLE SOLUTIONS, INC about some alleged debts of {>= $1,000,000}, and XXXX that i don't owe nor have dealt with them. They are reporting these inaccurate tradelines on my report that is incorrect and damaging me from getting things. I am asking for assistance in this matter for them to send me the proper documentation that i requested on XX/XX/2021.
11/16/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90045
Web
Last XXXX XXXX, 2017, I wrote a letter to your company to request for debt validation documents to be sent to me pursuant to FDCPA. For some unknown reason, it has been more than 40 days since I sent you my request and I still have not received any lawful, valid validation documents. This is my last resort, have this issue fixed. I will not hesitate to get my legal counsel involved.
10/30/2021 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 902XX
Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on DESGN REC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
12/06/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 90066
Web
Date Opened XX/XX/2016 by DESIGNED RECEIVABLE SOLU XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX For original creditor : XXXX XXXX XXXX XXXX ( XXXX XXXX ) For a hospital visit. At the time I went to this hospital for a visit, I had XXXX insurance / XXXX XXXX XXXX ( XXXX XXXX XXXX ). Insurance already paid this bill : Balance {$3400.00} Original Amount {$2200.00}
11/17/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • CA
  • 90230
Web
Designed Receivables is reporting debt that were discharged in Bankruptcy. Also, I paid XXXX bills, and they said that they would Keep reporting them as unpaid until ALL the bills were paid. And I do n't even know if I truly owe them. I have great insurance through XXXX XXXX, and I do n't believe that I owe them so many bills. They are single-handedly ruining my credit.
03/23/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 91403
Web
On XX/XX/2017 see the attached letter was sent to this company with a check stating that endorsement of this check constitutes payment in full and deletion of account immediately. Check cleared my account on XX/XX/2017. ( see attached document ). I am requesting this be removed immediately from my credit profile or legal action will be taken. Please ref to # XXXX CFPB
11/17/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • AL
  • 36609
Web
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, On XX/XX/2023, I sent a letter regarding the above accounts that are inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being taken advantage of and ignored my disputes.
05/17/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92804
Web
I have contacted this company many times, stating for verification of the debt. The debt does not belong to me and I have no idea what it is about. They keep saying its a hospital bill but dont have any documentations for me to review. I have also contacted all three credit bureaus and they also wont provide me with proof the debt belongs to me.
11/07/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92832
Web
I have contacted this company directly and ask them to please validate the debt. They can not provide sign documents, Photo of ID, pictures from being at this hospital. I have also contact all 3 credit bureaus and Design solutions have provided them with false information. I also have a police report my wallet with my ID was stolen out my car.
08/08/2018 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
  • Was not notified of investigation status or results
  • NV
  • 89031
Web Servicemember
" CFPB '', You have back complaints from me dated in the months of XXXX, XXXX and now XXXX. Now the refer number to track is:XXXX.Ihave never been given a clear explanation nor have I received a letter explaining why " DRS '', did not notify me of their investigation status or results or their investigation did not fix an error on my report.
01/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 36605
Web
I've disputed through the credit bureaus and sent the company several letters requesting their legal authority to collect the debt, a direct contract between me and the company with my signature, and an agreement to the assignment of the debt. All my request have been ignored. I've even called to get information and it's getting me nowhere.
07/31/2021 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AL
  • 36605
Web
on XX/XX/2021, i sent DESIGNED RECIEVABLE SOLUTIONS, INC 5 letters for the alleged balances of : {>= $1,000,000}, and XXXX that i don't owe. I have never had any communication with them.I asked them for the validity of the debt but never receive anything thus far. I sent the letters off USPS certified mail w/tracking # XXXX on XX/XX/2021
12/18/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • CA
  • 90045
Web
DESIGNED RECEIVABLE XXXX is reporting on my credit file. This account is not mine. I was a victim of Identity Theft. I have provided an Identity Theft Complaint and Affidavit and Police Report to the agency and still have not gotten this account resolved and deleted off my credit file. I have also disputed this with the bureaus.
01/01/2016 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 90046
Web
They repeatedly call and harass me when I have expressed a desire to work with them but I need a reasonable amount of time to make reasonable payments. They are coy, refuse to identify themselves, and are generally threatening and harassing. I am willing to work with someone reasonable but they are acting like thugs.
08/19/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AL
  • 366XX
Web
design recievable solu at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has been sending me collection notice in the amount of XXXX. The collection has been reported past due. I do not know this company. I have never done business with this company. This company does not have a contact with my signature.
01/11/2017 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • CA
  • 91403
Web
I recently checked my credit report and discovered that DESIGNED RECEIVABLE SOLUTIONS had entered a negative trade mark on my credit profile. I have never received or heard from these people. I am requesting that they immediately remove this from my credit profile and send me validation of this account.
12/20/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 902XX
Web
On or about XX/XX/XXXX, I wrote a debt validation letter to the company, Designed Receivable Solutions. On XX/XX/XXXX, they sent me a letter to validate the debt with a copy of my medical records. This is a clear illegal violation of my XXXX rights. I am motivated to sue them at this point.
03/02/2018 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 93534
Web
i sent them a certified letter XX/XX/2018 requesting validation. I let them know by law they had 30 days to respond or show me a contract bearing my signature. Not only did they not respond but they marked only one bureau with a dispute mark while they are reporting to two bureaus.
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
  • Their investigation did not fix an error on your report
  • WA
  • 98119
Web
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
06/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 902XX
Web
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
07/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 366XX
Web
I have called the company, I spoke with credit bureaus, I have disputed, I have sent in statements stating I have no knowledge of this account. That is not my name nor address. Im a victim of fraud / identity theft. I have one name and one address that I have always used.
06/15/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 366XX
Web
Since XXXX I have made countless request to have this debt validated. I have asked for itemized bills, I have made official disputes and I never get any response on the validity of this debt nor can they prove that it is my debt. I do not have any knowledge of this debt.
01/16/2017 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • CA
  • 93203
Web
I have requested validation of debt in writing on XX/XX/XXXX and no response. Statue of limitations of XXXX has expire ( last payment date is XX/XX/XXXX ) they are reporting a zombie debt and have ask in writing to delete it from my credit and no response on XX/XX/XXXX
09/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AL
  • 366XX
Web
DESIGNED RECEIVABLE SO XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} This account has misleading information. consider the Balance, High Credit, Last Reported, And I don't have a financial obligation on this account
03/29/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 90019
Web
I as a consumer have the right to privacy and Designed Receivable Solution has violated my right to privacy by furnishing private credit information under my name, without my written consent, or without authorization by a competent court, having jurisdiction
07/28/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • CA
  • 90037
Web Servicemember
I saw on my credit report there were medical bills that was reported. I never was aware that I owe bills for my medical debts. some of them belong to another insurance company to pay. But before they can pay for them they had put them on my credit report.
06/11/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91335
Web
Designed Receivable Solutions, Inc - This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.
08/08/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30082
Web
The original creditor Hospital is closed. Reporting on 2 credit reports as different names and amounts but both reports show the same address as the debt collection agency. Sent Hippa Validation letter never received a response.
04/10/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 93401
Web
Designed Receivable Solutions never sent me a validation notice. I had no idea I could dispute the debt, or that they had to validate it. Additionally, I was insured at the time as I have been for years and the debt is invalid.
06/22/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • CA
  • 91606
Web
Original Debtor was medical, with XXXX XXXX of XXXX XXXX. Two different collection agencies are listing the debt on my report, resulting in a double posting for the same debt. All XXXX XXXX debts were forgiven me in writing.
02/24/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90049
Web
Please see attached letter sent to DSRI along with a copy of a police report for Identity Theft. This debt is not mine please remove this from my Credit Report and please communicate in writing only. No Phone calls please.
05/25/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 90028
Web
Insurance paid this debt, now the debt collector is attempting to recover money not owed. They're also using a malicious practice of reporting the same debt multiple times in a fraudulent attempt to collect a debt not owed
11/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92346
Web
I sent a letter to pay for a deletion of this debt from my credit report. The company accepted my money and only removed this debt from one of my credit reports and not the other two. This isn't right and its not fair.
05/15/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90250
Web
I contacted this collection agency back in XX/XX/2018 regarding the validity of this account. According to my FCRA rights, the company has 30 days to verify debt or it must be deleted. I have never received validation.
09/14/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • XXXXX
Web
I sent a validation of debt letter several times also had XXXX XXXX assist me with the account never received anything requested also tried to dispute with credit bureau no written correspondence received.
09/26/2017 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AL
  • 366XX
Web
Designed Receivable Solutions continues to raise the collection on my account by {$1.00} each month to purposefully drop my credit score. They also continue to place harassing calls concerning this debt.
09/03/2018 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 90601
Web
after many calls and harassment towards myself and calling family members this account holders is taking things too far even the account is not mine need it removed from my credit report asap!
06/09/2018 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • XXXXX
Web
I have no knowledge of this account and it needs to be removed from my credit report. I have filed a complaint with XXXX but have not been able to do so with XXXX as their site is garbage.
06/17/2022 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 91316
Web
In accordance with the Fair Credit Reporting act Designed Receivable has violated my rights. Three times on all three credit bureaus. in the Amounts of XXXX. XXXX XXXX. XXXX XXXX. XXXX
10/20/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 91601
Web
I've asked this company ( Designed Receivable Solutions ) twice ( XX/XX/2021 & XX/XX/2021 ) via certified mail to validate the alleged amount ( {$310.00} ) of debt that I supposedly owe.
06/18/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AL
  • 36575
Web
THE COLLECTION DEBT FROM DESIGNED RECEIVEABLS SO- XXXX XXXX IS NOT MINE DEBT, AND IT VIOLATES MY HIPAA RIGHTS IF IT WERE MINE, I AHVE NOT HAD ANY ACCOUNTS WITH DESIGNED RECEIVEABLES,
03/16/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11413
Web
I am not liable with a debt with XXXX XXXX XXXX billing. I do not have any contract with Designed Receivable. This is an invasion of my privacy and defamation of my character.
10/13/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • SC
  • XXXXX
Web
The State of South Carolina takes hospital bills out of your state taxes why they send you to the collection agencies. And they know they takes it out of your states taxes.
02/17/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91606
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.
01/30/2017 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 77044
Web
I 've contacted the company on several occasions and verified the account is n't mine. They are still reporting it to the credit bureau agencies reports.
10/21/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 365XX
Web
i have never received and notification of the debt, i also asked for a validation of debt by sendinfg in certified letters that they did not respond to,
07/02/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MS
  • 390XX
Web Older American
Designed receivable is a collection agency attempting to collect a medical bill that was not filed on my insurance in a timrly manner. I paid my part.
05/16/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 902XX
Web
I was not in the hospital at the time claimed by the collector, please show written proof that was me, a copy of any state or government issued ID.
06/23/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • GA
  • 30328
Web
My personal information was used without my knowledge and I was not aware of my ssn being used until I pulled my credit report on XXXX 2016.
02/05/2017 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • CA
  • 90220
Web
I discovered this collection account on my credit report on XXXX/XXXX/17 and never received a notice of right to dispute.
02/01/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 31210
Web
Debt was paid with XXXX XXXX XXXX and they said they would remove from credit report. Still not removed years later
12/05/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 366XX
Web
VIOLATION OF HIPPA reporting inaccurate information contacted numerous of times to verify and send info
05/07/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90221
Web
ID FRAUD VICTIM ALERT FILED XXXX MY IDENTITY HAS BEEN USED WITHOUT CONSENT TO OBTAIN GOODS OR SERVICES.
05/24/2019 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • CA
  • 92376
Web
I keep receiving calls and letters in the mail after bankruptcy being discharged
12/05/2022 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
  • Problem with personal statement of dispute
  • AL
  • 36695
Web
DESIGNED RECEIVABLE SOLUTION- REPORTING INACCURATE INFO. VILOATIONS OF HIPPA
07/30/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91401
Web
Fraudulent accounts. Opened without my knowledge, consent, or authority.
02/12/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 935XX
Web
Account balance was paid in full on XX/XX/19.
01/29/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90212
Web
11/16/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 91406
Web
11/10/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91316
Web
09/27/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 90046
Web
09/27/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91304
Web
09/26/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 90046
Web
09/19/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 91367
Web
09/14/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Investigation took more than 30 days
  • CA
  • 91304
Web
09/12/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 94588
Web
08/13/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91316
Web
08/03/2023 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
  • 90025
Web
07/02/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91302
Web
06/14/2023 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
  • CA
  • 93535
Phone
06/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90211
Web
05/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 90018
Web
04/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 90069
Web
03/13/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 90210
Web
03/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90212
Web
02/27/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 34761
Web
02/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AL
  • 35223
Web
02/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92404
Web
02/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92404
Web
02/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92404
Web
02/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92404
Web
01/31/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 91316
Phone Older American
01/28/2023 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
  • TX
  • 77056
Web
01/23/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90048
Web
01/12/2023 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
  • AL
  • 36610
Web
12/28/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90016
Web
12/14/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91786
Web
12/14/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 13619
Web Servicemember
12/07/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 90802
Web
11/08/2022 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
  • CA
  • 92833
Phone
09/14/2022 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
  • 34761
Web
09/11/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91316
Web
09/10/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91316
Web
08/27/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90024
Web
08/26/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90305
Referral
08/24/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90008
Web
08/15/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94110
Web
08/13/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91504
Web
07/23/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AL
  • 36608
Web
07/11/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30213
Web
05/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90024
Web
05/18/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32801
Web
05/14/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91603
Web
05/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 91764
Web
05/09/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 36689
Phone
05/04/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 11213
Web
04/20/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 90049
Phone
04/11/2022 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
  • CA
  • 92692
Web
04/05/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 36693
Web
04/05/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 36693
Web
03/28/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 92308
Web
03/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 44023
Web
03/14/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30126
Web
03/09/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90049
Phone
02/16/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NV
  • 89031
Web
02/01/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 36608
Web
12/20/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 91436
Web
12/09/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90069
Web
11/15/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90027
Web
11/02/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92374
Web
09/28/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90046
Web
09/28/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90046
Web
09/01/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90249
Web
08/06/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90805
Web
08/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90027
Web
08/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90027
Web
08/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 92075
Web
08/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 18301
Web
07/02/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90046
Web
06/27/2021 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
  • 11218
Web
06/22/2021 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
  • Their investigation did not fix an error on your report
  • CA
  • 92223
Web
06/22/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 21206
Web
06/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91401
Web
06/11/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NV
  • 89031
Web
05/28/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90046
Web
05/28/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 90211
Web
05/19/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92374
Web
04/12/2021 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 90020
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
03/21/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92805
Web
03/18/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90503
Web
03/15/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90301
Web
03/05/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92708
Web
02/26/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 90703
Web
12/29/2020 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 90405
Web
12/13/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AL
  • 35068
Web
11/18/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78726
Web
11/13/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90056
Fax
10/07/2020 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 91201
Phone
10/01/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90806
Web
09/02/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 78748
Phone
08/26/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90011
Web
08/21/2020 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 90211
Web
05/29/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
Phone
05/28/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90047
Fax
05/27/2020 Yes
  • Debt collection
  • Medical debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • CA
  • 93536
Web
04/22/2020 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • CA
  • 93021
Web
03/10/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91605
Web
02/28/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 91356
Web
02/26/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90028
Web
01/22/2020 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
  • CA
  • 91604
Web
01/08/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 91709
Web
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
  • Investigation took more than 30 days
  • CA
  • 91605
Web
12/30/2019 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • GA
  • 30363
Web
08/06/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 91767
Web
07/22/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91355
Web
07/11/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 91007
Postal mail
07/05/2019 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • AZ
  • 86301
Postal mail
06/27/2019 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
  • Investigation took more than 30 days
  • CA
  • 91605
Web
06/22/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91614
Web
06/02/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 92618
Web
05/26/2019 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
  • Was not notified of investigation status or results
  • CA
  • 93550
Web
05/25/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 36695
Web
05/10/2019 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 90232
Web Servicemember
04/24/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91605
Web
04/22/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 90039
Web
03/23/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30041
Web
01/17/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85016
Web
01/04/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90292
Web
12/27/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
Postal mail
12/13/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • CA
  • 91605
Web
12/11/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 12590
Web
11/06/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 91316
Web
10/10/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76120
Web
09/20/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91766
Web
08/20/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91402
Web
08/19/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92656
Web
08/01/2018 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CA
  • 90047
Web
07/25/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90212
Web
07/12/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90002
Web
07/08/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33511
Web
06/20/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 91405
Web
04/25/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NV
  • 89109
Web
04/05/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 93505
Web
04/02/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 93505
Web
02/14/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93535
Web
02/02/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • DC
  • 20005
Web
02/02/2018 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
  • CA
  • 90046
Web
01/24/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33967
Web
01/13/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AL
  • 36608
Web
01/05/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 31321
Web
11/30/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92806
Web
10/09/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 90255
Web
10/03/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AL
  • 36618
Web
09/11/2017 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 93101
Phone
09/10/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90064
Web
09/10/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90064
Web
09/01/2017 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 91335
Web
08/16/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90203
Web
08/15/2017 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AL
  • 36606
Web
08/12/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90250
Web
08/12/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90062
Web
08/09/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90746
Web
08/08/2017 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 90292
Web
08/06/2017 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • AL
  • 36618
Web
07/31/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90815
Web
07/31/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90815
Web
07/23/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90707
Web
07/14/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90302
Web
07/14/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90047
Web
07/11/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90062
Web
06/06/2017 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • SC
  • 29532
Web
05/19/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AR
  • 72901
Postal mail
04/27/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 92399
Web
04/17/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 91601
Web
03/18/2017 Yes
  • Credit reporting
  • Credit reporting company's investigation
  • No notice of investigation status/result
  • OK
  • 73132
Web
03/15/2017 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 60624
Web
02/07/2017 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • AL
  • 36608
Web
01/28/2017 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OK
  • 73159
Web
01/24/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 90001
Web
01/13/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • SC
  • 29486
Web Servicemember
12/23/2016 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Called outside of 8am-9pm
  • CA
  • 91354
Web Servicemember
12/21/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 91302
Web
10/27/2016 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 90016
Web
10/20/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 93101
Referral
10/16/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 91604
Web
10/13/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • AL
  • 36207
Web
09/15/2016 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • VI
  • 00831
Web
09/12/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 90280
Web
08/04/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NV
  • 89031
Web
08/04/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NV
  • 89031
Web
08/04/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NV
  • 89031
Web
08/04/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NV
  • 89031
Web
08/03/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • 22102
Web
04/14/2016 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Called after sent written cease of comm
  • CA
  • 90046
Web
04/12/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 92255
Web Older American
04/07/2016 Yes
  • Debt collection
  • Medical
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • CA
  • 94025
Web
04/05/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • NY
  • 10026
Web
04/05/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • CA
  • 90046
Web
03/18/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • SC
  • 29464
Postal mail
03/10/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 91807
Web
03/10/2016 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Impersonated an attorney or official
  • CA
  • 90044
Web Servicemember
02/15/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 93307
Web
10/01/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 90048
Referral
08/19/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • CA
  • 90028
Phone
08/06/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • GA
  • 30315
Postal mail
07/07/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • SC
  • 29078
Web
06/02/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • CA
  • 90066
Web
05/19/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • AZ
  • 85142
Web
04/20/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • AZ
  • 85142
Web
03/16/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • SC
  • 29016
Web
02/24/2015 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 91604
Phone
02/19/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NY
  • 12603
Web
02/11/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 92841
Web
01/21/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 90037
Web Servicemember
01/16/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 90230
Web
01/16/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • SC
  • 29016
Web
01/09/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • CA
  • 93304
Web
12/02/2014 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 91316
Web
10/22/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 91308
Web
10/04/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 90201
Web Older American
07/25/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 91604
Web
07/19/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 91308
Web
07/15/2014 Yes
  • Debt collection
  • Medical
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • CA
  • 90078
Web
07/08/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 23411
Postal mail Older American
07/07/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MS
  • 39211
Web
07/04/2014 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Used obscene/profane/abusive language
  • CA
  • 90016
Web
07/02/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • SC
  • 29078
Web
06/22/2014 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 90045
Web Servicemember
06/12/2014 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 90806
Phone
05/20/2014 Yes
  • Debt collection
  • Medical
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • CA
  • 90272
Web Older American
04/24/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 90255
Web
04/21/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • GA
  • 30046
Web
03/28/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 91355
Web Servicemember
03/27/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32907
Web
01/31/2014 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • CA
  • 90211
Web
01/09/2014 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • CA
  • 90262
Web
12/05/2013 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 90066
Web
11/05/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 91754
Web
10/25/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 90745
Web
10/07/2013 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • SC
  • 29420
Postal mail
09/04/2013 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 90036
Postal mail
08/28/2013 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 90064
Web
08/16/2013 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • CA
  • 93309
Phone
08/12/2013 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 90403
Web