DIRECMANAGEMENT, INC. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/02/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	AL 35242	Web
I am filing this complaint against Direct XXXX for deceptive, fraudulent, and unlawful business practice. Your enclosed claim of collection of a purported debt appears to be founded upon a false record in violation of U.S.C. Title 18 2071 and 2073 ( falsifying records ) and further; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C. Title 18 471, 472, 473 and/or 513, and further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( XXXX ), U.S.C. Title 18 1961 et. seq. and further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C. 1341 Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. 1842 Fictitious Names. Also pursuant to 18 USC 1028a whoever knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. IDENTITY THEFT : The term identity theft means a fraud committed using the identifying information of another person. FRAUD : Having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use. Legal Information Institute FDCPA Violations : 15 U.S.C. 1692c ( a ) states that 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 Furnishing to my consumer report is indirect communication. 15 U.S.C. 1692e states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken through a deceptive practice. 15 U.S.C. 1692e ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 15 U.S.C. 1692j ( a ) states that It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. FCRA Violations : 15 U.S.C. 1681b ( A.2 ) - Permissible purpose of consumer report : I never gave anyone from your company Written permission to furnish anything on my consumer report. 15 U.S.C. 1681a ( q ) ( 3 ) - Identity theft : your company/agency obtained/used my personal information without my consent & knowledge, which is also an infringement on my right to personal privacy. 15 U.S.C. 1681e ( b ) - Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
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 XXXXXXXX XXXX XXXXXXXX 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 : DIREC MGMT - XXXX - XXXX 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 GAAP, if you can not do that then you must remove it. Thank you, XXXX XXXX XXXX
06/20/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	AL 366XX	Web
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 : DIREC MGMT XXXX 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 GAAP, if you can not do that then you must remove it. Thank you, XXXX XXXX XXXX
02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36609	Web
This letter is a follow-up to my original letter dated date regarding an inaccuracy on my credit reports, regarding Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
05/03/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA XXXXX	Web
Direc Management INC has been inaccurately and unfairly reporting a joint account which they claimed I am remain in debt too. The beginning amount owed, according to their reporting, was {$1800.00} dating back to XX/XX/XXXX. Since this time Direc Management INC has increased the balance by {$5.00} each month in an attempt to cause further harm to our ability to earn new credit and receive the best interest rates available. The current balance as of XX/XX/XXXX is {$2300.00}. My first attempt was received on XX/XX/XXXX via certified mail USPS ( XXXX ). Direc Management INC responded on XX/XX/XXXX by sending an itemized document, as per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. Therefore Direc Management INC failed to provide a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The itemized documents, sent to me and the co-applicant, contained conflicting dates of first delinquency and amounts claimed owed. A second attempt was delivered via certified mail USPS ( XXXX ) to Direc Management INC on XX/XX/XXXX, again requesting validation and, additionally, names and addresses of each person who personally verified this alleged account. Direc Management INC failed to respond. Laws I can potential files suit for : 1 ) Metro 2 Compliance 2 ) US Court of Appeals - XXXX XXXX, No. XXXX, XXXX vs. XXXX XXXX 3 ) FCRA Section 623, FCRA Section 605 ( c ) 4 ) FDCPA Section 809 ( b ) FTC opinion letter XXXX From XXXX. FCRA rules allow for up to {$1000.00} per violation. Small claims actions are not allowed to cover attorney fees.
11/03/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 367XX	Web	Older American
I recently found a past due debt listed on my XXXX credit report. It was not listed on XXXX or XXXX and as I recall was not listed on my last XXXX report. I contacted the debt collection agency ( Direc Management Inc, XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX ) The debt according to them was for XXXX Hospital in XXXX County AL in the name of XXXX XXXX , DOB XXXX, amount {$320.00}. I have never been to XXXX Hospital as a patient and have never received medical care from them. My name is XXXX XXXX XXXX /DOB XXXX. Apparently they have reported a debt incurred by my son ( XXXX XXXX DOB XXXX ) on my credit report. He is an adult and has not lived with me since he was XXXX years old and I am not responsible for his debts and have never agreed with any agency, company or entity to be responsible for his debts. At the time the debt was incurred he was XXXX XXXX XXXX. I informed the person at Direc of this and she stated that I was responsible for the debt because he was my son. She maintained this position even after I told her my DOB ( XXXX not XXXX ) and that he was an adult who did live with me and that I was not responsible for any debt he incurred. This is a fraudulent attempt to collect money from a party not responsible for the underlying debt and the use of improper strong arm methods by placing false information on my credit report so as to force me to pay a false debt to protect my credit rating
07/26/2020	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	AL 36695	Web
XXXX i cosigned for a loan for a then friend to purchase a vehicle. The loan amount was originally over XXXX. Th payments from the co borrower was late from the very begining, and a couple times was delinquent as much as 120 days. I contacted XXXX XXXX XXXX XXXX on more than one occasion including going in person in order to try and get the truck or assistance in getting the bank to get it back i was willing at the time to take over payments. I was told no they would'nt do it. this went on several years at the same time my credit was destroyed Sometime later Mr XXXX voluntary reposessed the truck and was left with a debt of more than XXXX. Now mind you the vehicle started out at XXXX. and for several years he made payments on time. My complaint today is that amount of collection that i am being sued for is not right. I reached out to the bank over and over for help in resolving this matter. The bank official that i was dealing was racist and treated me very disrespectful.I went and sat down with then president of the bank twice and he assured me that they would be going only after Mr XXXX. My wife has been fighting XXXX XXXX and i told them about our financial hardships. I feel like victim when over and over i tried to work with the bank to resolve this. My credit has been destroyed and i think thats punishment enough for my good deed.
08/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	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. The date last active for XXXX is XX/XX/2023 and date last active for XXXX is showing XX/XX/2023. This shows discrepancies to lenders.. Why the date last reported for XXXX is showing XX/XX/2023. The date last reported for XXXX is showing XX/XX/2023. The comment by your company states '' Charged Off Account '' which means you need to send me a 1099c form.
09/04/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30043	Web
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
08/11/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 36609	Web
Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be errors. Here as follows are items in error : XXXX. Validate Account Direct Management {$1300.00} XXXX. XXXX XXXX XXXX {$40.00} I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( XXXX ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud
09/17/2021	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	AL 36067	Web	Servicemember
Repeated calls from a debt collector to myself and my spouse during work hours. On XX/XX/2021 I answered a call from XXXX from Direct Management and was speaking to a woman who would not identify herself just who she was calling for and the debt she was calling about. After she explained her side she asked for me to set up an agreement to settle the matter which I never do over the phone since being a victim of identity theft. I asked for an itemized bill and their contact information so that I could set something up and woman began to repeatedly tell me me that I was trying to avoid paying my bill and put it off longer, and that she was going to make note of it on my account if I wasnt going to make an arrangement at which time I told her I needed her name and I wanted to speak to a supervisor. She didnt give me her name but transferred me to a supervisor. At first the supervisor told me it was XXXX XXXX and when I mentioned that to would be reporting the contact for being oppressive and harassing he told me it was XXXX XXXX that I spoke to. I then ended the call.
12/22/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AL 366XX	Web
XXXX of XXXX XXXX XXXX XXXX threaten to damage my credit by falsely accusing that i still owe rent on the unit she ordered me to vacate due to a rat infestation that she accused me of causing. This bogus collections is a result of retaliation from her after I repeatedly asked her to hire an exterminator to eradicate the problem, she instead send maintenance man to set traps, we caught 12 rats and they keep coming. I had had enough and called the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX to inspect the unit and they determined I did not cause this issue. After she received a call from them, she then told me to vacate the property in 7 days, when I only had 1 month left of my lease, I had no where to go but I left only to notice that she then empowered Direc Management Inc to report that I owe {$1500.00} on my credit report since. I do not owe this debt, this is a bogus collections, I have put this statement on my credit reports. I have reached out to them without any resolve.
05/24/2018	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	AL 366XX	Web
On XX/XX/XXXX a lady named XXXX XXXX employed by Direct Management called my cell phone for collection of a debt that I have repeatedly reported as not owed. I had no balance due on my dental account when I changed dental facilities. On XX/XX/XXXX, she proceeded to recite my confidential dental records and threatened to forward them to my coworkers. She also threatened legal action. She is very harassing and intent that this is a valid debt. I have repeatedly asked for her not to contact me again as she is rude, pushy, and down right insulting in the manner of which she speaks with people. The debt she is attempting to collect is less than {$500.00}, our house hold income is nearly {$200000.00} per year so the ability to pay is not in question. It is a debt I do not owe. I have reported her HIPPA violations separately as she should not have access to my confidential medical records nor should she threaten to expose them to my coworkers.
02/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL XXXXX	Web	Servicemember
To whom may concern I have placed a complaint with the credit consumer report due to fraudulent behavior on my credit report with your company.. it shows that I have borrowed money from your company for medical loans. I have never even had a medical loan in my life! So if you would please contact me regarding the bogus information posted on my credit I would greatly appreciate ... there is a company and several medical companies on my credit information with loans on my acct For XXXX XXXX and I have never did business with this company ever in my life! So I would love it if they removed the fraudulent information off of my social security number thank you! There are four different times your company is listed for the amount of XXXX x4 on my credit please contact me regarding this matter as soon as possible where your company is hurting my fiancial life! Fraud Fraud Fraud Thanks XXXX XXXX XXXX Sent from my XXXX
06/24/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MN 55125	Web
Hi, My daughter 's insurance is managed by her dad. All the medical bills associated with her XXXX or care through the XXXX XXXX XXXX should be in his name, and as well as all the other medical bills when I was out f work. This a problem. I called to have the bills transferred into his name but that has not happened. I also filled out a financial application which they have lost through XXXX and the University XXXX XXXX. This is also includes bills for the XXXX. There are also bills that have been sent to collection agency companies without going through the insurance claim process. The two companies are XXXX XXXX, Direct Management, and XXXX XXXX. The other problem is that the insurance company which is XXXX can not speak with me about the bills because my daughter 's coverage is in her dad 's name. XXXX met her threshold for her deductible in XXXX of 2018.
10/26/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NC 27612	Web
Despite repeated notifications, DirecManagement continues to report that it is collecting a debt that I do not owe. Initially, they reported to debts owed to XXXX XXXX XXXX XXXX, XXXX for {$250.00} and the other for {$41.00}. XXXX these debts were paid directly to XXXX XXXX XXXX XXXX directly some time ago. I have disputed the collection accounts XXXX ; DirecManagement appears to have deleted the {$41.00} collection but verified the {$250.00} collection as valid. I never paid DirecManagement any money nor do I owe them any money. They are continuing to damage my credit for a debt I do not owe. They have failed to respond to any of my letters to them but continue to report negative information on my credit files.
05/29/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AL 368XX	Web
I have requested verification/validation of the debt or removal twice. Once I requested the informati on Direct Management colle ction agency letter back to me saying they did not believe it was me so they would not respond or verify. So, I sent another letter requesting the same information and got it notarized to prove that it was me requesting information with my signature on it and stamped by a notary. But, they still sent the same response back to me by refusing to verify/validate by saying they do not think I am the person requesting the information. I felt me getting my letter notarized would definitely prove to them that I am the one who is writing a letter requesting information.
09/16/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AL 36532	Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
06/22/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AL 361XX	Web
Okay on XXXX XXXX XXXX XXXX informed me that a collection account was place on my credit report. It says a medical collection the collection is from a hospital visit in XXXX XXXX which was paid by my XXXX I called XXXX and they informed me that yes they went back all the way to XXXX XXXX and paid bills from when I was n't insured as is required by law! I contacted this company XXXX XXXX and informed them of this as well. I never received any documents letting me know about this suppose debt or anything it just popped up on my credit out of the blue right when I got m y credit score up and ne gative information removed and paid
10/22/2021	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	AL 36605	Web
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
05/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 366XX	Web	Servicemember
I received an alert from my credit monitoring company that my score has dropped due to a new negative account from Direct Management reporting on my credit. I have no knowledge of this collection account and I do not have a joint account with XXXX XXXX XXXX XXXX. I was added as an authorized user but I have never had any access or had anything deposited ( paychecks, income tax, etc. ). Delete immediately form all credit bureaus Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2 company has also No permission to report anything using my info pursuant to 15 USC 1681 4
01/10/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AL 35020	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
01/31/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	FL 33772	Web
I have gotten an alert on my credit report that a collection was added. I looked at this collection and they say I owe XXXX. I do not owe any agency nor bank {$19000.00}. I did not receive any notice showing that I owe this debt. If this debt was purchased then I would like to see the full contract of this debt showing the amount that was purchased and what they paid for it. I would also like to see what fees are being attached to this. I never signed any contracts for this amount and If there were any contracts that was signed for this amount then I am considering this to be fraudulent.
09/13/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36608	Web
I oulled my credit after being denied credit. I shockingly found entries for two accounts by DirecManagement, who i have never dealt with know who they are. I disputed with bureaus and this company returned it verified. Note they never sent me any notifucation or right to dispute this debt letters. I only found by checking my credit. I then sent this company a dispute letter disputing and ask8ng for proof of validity and accuracu of this debt and that its mine. This went ignored. Its been over 60 days and no response but the6 keep reporting and hurting my credit. I do not owe this debt
10/21/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 314XX	Web
I've had tried to contact Direct Management Inc., on numerous occasions concerning ( 2 ) debts in which I have no knowledge. I have requested debt validation and/or contract agreements between Direct Management Inc. and myself, but they have failed to provide them. One one occasion an account was removed from credit file and now has re appeared. They have illegally scared my credit and violated my rights under the HIPPA Privacy Act. Please help me to resolve this matter promptly. Direct Management Inc. is running and illegal service under HIPPA 's guidelines.
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. Furthermore, this account is under {$500.00}, and there is no original creditor listed. Surprise billing act has also been violated.
08/12/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 36605	Web
On XX/XX/20, I was in a car accident in which I was not at fault which resulted in me having to go to XXXX XXXX XXXX. This current car accident and all charges involved are currently in litigation and are being paid through this process/settlement. This company never notified me that it would be going to collections as I would have advised that this matter is being handled by attorney XXXX XXXX with XXXX XXXX XXXX XXXX office ( phone number : XXXX ), therefore not allowing this account to be entered into collections.
05/08/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AL 36526	Web
I submitted a dispute with XXXX on XX/XX/XXXX. Within the next couple of days the account then showed as being closed. The last time I checked on XX/XX/XXXX the Direct Management account was still showing as closed but now it is showing open without any explanation from them or XXXX. I was under the impression that one of both of these companies was supposed to give notice within 5 days if an a corrective action was reversed. I have not received anything regarding the reopening of this account for whatever reason.
10/27/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30236	Web
On XXXX XXXX, 2017 Direct Management placed an account for the amount of {$950.00} on my credit report in violation of the Fair Credit Reporting Act. Direct Managment failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account Direct Managment is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.
12/19/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AL XXXXX	Web
On X/XX/2017 I reached out to the following companies asking them to prove and send documents that I owe this amount and until this day I have received nothing! They repeatedly called me and other family members requarding this situation. If you say I owe this debit send the all the documents stating I do. I have to right to see everything you say you have against me. It has even been law offices calling and writing me about these debit. The companies are as follow XXXX XXXX {$1700.00} XXXX {$12000.00}
03/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 365XX	Web
On or around XX/XX/2021, I disputed an account with the credit bureau about Direct Management. The account I disputed was about an overdraft that happened at XXXX XXXX. I have disputed this account 2 or 3 times and every time, they say its verified. I told them that I wasn't aware of the overdraft that took place, but they refuse to do a full investigation for identity theft. The only thing they send is where I had opened a bank account up, but do not investigate the disputed account
02/23/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75007	Web	Servicemember
I've had tried to contact XXXX XXXX XXXX, on numerous occasions concerning several debts in which I have no knowledge of. I have requested debt validation and/or contract agreements between XXXX XXXX XXXX and myself, but they have failed to provide them. They have illegally scared my credit and violated my rights under the HIPPA Privacy Act. Please help me to resolve this matter promptly. XXXX XXXX XXXX is located at : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX. Sincerely,
01/29/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AL 365XX	Web
In XXXX of 2014 went to the ER thinking I was going to lose my XXXX. I gave XXXX XXXX all my information including my mailing address, and insurance cards. The hospital clerk took my IDS and information and said I had no copay. I signed my patient paperwork and went to the back. Two years later I decided to check my credit score and saw this company XXXX XXXX XXXX on my credit score. I have no idea who these people are. And I need help with this problem.
02/03/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AL 36535	Web	Servicemember
I recently check my credit report and notice inaccurate accounts from Direct Management inc with some alleged debts from {$350.00}, and XXXX.So, I sent them letters on XX/XX/2021 disputing the validity of the debts, and requesting documents of each account.I have also attached copies below for your viewing to assist me with the process.I haven't heard anything from them as of now.
04/27/2023	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 365XX	Web
There is a collection account reporting on my credit report where the original date of delinquency with the original creditor is more than seven years and therefore this collection is to be removed from my credit reports, XXXX and XXXX. It is not showing on XXXX. I have provided the documentation of payment history with original creditor to the credit bureaus.
07/31/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AL 366XX	Web
there is a medical bill on my XXXX credit reporting from XX/2012 a medical bill from XXXX XXXX XXXX. I filed chp XXXX on bankruptcy and this debt was included in that bankruptcy. direct management is still trying to collect money from me for this debt but yet it has been validated and confirmed that this debt was included in the bankruptcy.
09/10/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AL 366XX	Web
I RECENTLY REVIEWED MY CREDIT AND NOTICE A COLLECTION FROM DIRECT MANAGEMENT STATING THAT I OWE A ALLEGED DEBT OF XXXX $ FROM XXXX XXXX, WHICH IS INACCURATE AND I DO NOT OWE.I SENT A LETTER ON XXXX XXXX US CERTIFIED ASKING FOR THE INFORMATION DEALING WITH THIS ACCOUNT AND HAS ATTACHED A COPY BELOW FOR YOUR VIEWING AND ASSISTANCE.
12/19/2018	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	AL 36526	Web	Servicemember
The company direct management called my place of employment last week and I was not at work. Then they called again today XX/XX/2018 and I told not to call me at work. The women insisted that they need to collect payment. I again stated i was on the job. Finally I got her to get off the business phone.
05/04/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AL 36605	Web
I sent letters to company requesting validation of the debt on the XXXX accounts that they claim I owe. DirecManagement a letter stating that they did not have no responsibility in responding to my letter. When I contacted them by phone the representative threaten me about my credit report.
07/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	AL 36605	Web
On XX/XX/2018 the Collection Agency ( Direct Management ) began reporting inaccurate information and the address on the account do not belong to me. The amount listed on my credit report is {$2000.00}, however the collection agency sent a bill to me for {$1300.00}.
09/11/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 36605	Web
XXXX Disputed with Direct Management, failed to provide any proof and I had no knowledge of these debts.. XXXX Disputed with XXXX XXXX no info provided advised info was correct XXXX and XXXX have investigated and removed collections
07/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL XXXXX	Web
Contacted this company which I have not entered into any busineess or contract with and disputed the validity of the debt after seeing the credit report, also the company has not sent any contract or supporting documents.
01/19/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AL 36695	Web
I paid all medial debts owed before 2023. Medical debts that started after 2023 is mines. But theres still medical collections on my acct that was paid in FULL.
05/13/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33772	Web
Debt was included in XXXX XXXX bankruptcy and they keep selling the debt to collection agencies. The original creditor is XXXX XXXX XXXX
06/07/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH XXXXX	Web
Calling on XXXX XXXX Repeated calls after I asked to verify debt.
12/06/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MN 55128	Web

10/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36426	Web

07/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AL 36693	Web

09/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 36605	Web

08/17/2022	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 36541	Web

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

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

03/25/2022	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	AL 36526	Web

02/01/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AL 36608	Web

01/07/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 08721	Web

12/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	AL 35160	Web

11/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MD 21701	Web

09/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 36605	Web

09/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 36605	Web

09/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 36605	Web

09/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 36605	Web

06/09/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AL 36608	Web

04/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30281	Web

03/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31602	Web

09/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36049	Web

09/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36116	Web

08/08/2020	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	AL 36535	Web

02/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36701	Web

06/12/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MN 55109	Postal mail

01/28/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AL 36695	Web

05/10/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AL 36728	Phone

04/28/2017	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	AL 36572	Web

04/18/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CO 80249	Web

04/16/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CO 80249	Web

04/11/2014	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	AL 36604	Web