| 08/01/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Eastern Account Systems is attempting to collect on a debt I do not owe. In response to CFPB complaint XXXX, they claim " The debt in question are for the balances owed on a XXXX bill for service provided XX/XX/XXXX through XX/XX/XXXX. '' To be clear, my lease ended at the address at which they allege I owe a debt at the beginning of XX/XX/XXXX. Now, it is not possible the alleged debt is for a service period in which I would have allegedly not paid for over XXXX ( XXXX ) years. The amount I allegedly owe is around five-hundred forty ( XXXX ) dollars. If that amount is divided by the number of months in the range quoted, it is less than the cost of any of the cable/internet services provided by XXXX.
Eastern Account Systems alleges that they mailed a shortly after placement with their office in XX/XX/XXXX, " An initial collection notice was mailed to you to the address provided in this complaint, at no time was this correspondence returned as deliverable. '' Just because mail was not returned deliverable doesn't guarantee the parcel was delivered. In fact, the timing of placement was at the end of the omicron wave. What this means is that it is entirely possible that the parcel was lost due to the delays in processing of the mail at mail facilities due to short staffing. There is only one ( 1 ) central mail processing facility for the entire state in which I live and it is one of the top ten ( 10 ) most populated states in the nation. What this means is that Eastern Account Systems allegedly mailed notices without delivery confirmation during a period of upheaval caused by the omicron wave. Given that the USPS warned the country of mail slowdowns beginning in XX/XX/XXXX due to staffing issues caused by the omicron wave, for which those staffing shortages continued to be an issue AFTER the alleged account was placed for collection with their office, it is entirely disingenuous to claim debt collection notices were delivered fulling my Right of Notice and Opportunity to Be Heard under the FDCPA. It is far more likely Eastern Account Systems took advantage of the situation to provide leverage by way of collection item in my credit files. That is predatory behavior and constitutes an unfair practice under the FDCPA.
Eastern Account Systems response to XXXX claims, " Several attempts were made to reach you by phone as well without a response. '' This is curious as Eastern Account Systems is acknowledging they bombarded me with calls. If I look at my phone history there is a repeated phone number that my phone marked as spam which called at least three ( 3 ) times a day over the last six ( 6 ) weeks without leaving a message or identifying themselves when requested. However, I have a phone screening application that prompts unknown numbers to identify themselves and the purpose of the call. That number has repeatedly chosen not to provide the information and instead chose to disconnect from the call. The name of the caller is not displayed during the call but shows up in the transcripts of the call. In looking at the transcript it identifies the caller as " Eastern Account Systems. '' Each time the call was screened, my phone notified them that I was using a screening tool and asked them to identify themselves and the purpose of the call. Screenshots clearly show Eastern Account Systems chose to disconnect the call rather than do disclose the information requested. In other instances they failed to leave a voicemail.
Disconnecting a line without telling who they are is prohibited under the FDCPA and constitutes harassment under the FDCPA because it is a refusal to identify themselves. Their identification could have been This is a call from Eastern Account Systems attempting to reach . Eastern Account Systems chose not to do such and thus repeatedly engaged in whose sole purpose was to to annoy, abuse, or harass me. That is how it is defined under the FDCPA.
Given the broad range over which Eastern Account Systems alleges a debt is owed, covering from the beginning of a lease until beyond the end of a lease at that address, it would seem they are misrepresenting the amount owed, likely because they do not have the necessary information to verify and validate what specifically the alleged debt is for. Under the FDCPA that is considered a misrepresentation of the alleged debt.
Finally it is worth mentioning how these prohibited practices are magnified for someone with a documented XXXX of XXXX and the complications to that condition from the current pandemic. I contracted the XXXX virus on ( XXXX ) separate occasions : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. Both periods of XXXX were followed by periods of XXXX which combined has only fully resolved in XX/XX/XXXX. Multiple publications have stated that long-COVID recoveries on average take around fifteen ( 15 ) months to clear. My particular symptoms during long-XXXX were/have been XXXX XXXX XXXX XXXX XXXX XXXX all of which are thought to be the result of XXXX XXXXXXXX and XXXX as the XXXX XXXX XXXX XXXX XXXX XXXX. I have also experienced delays in prescription renewals for the medications I use to manage my XXXX symptoms. Disruptions in regular consumption of these medications can cause XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In my particular case, the medication is used to manage the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I would experience without the medication. The compounding/comorbidity of these two ( 2 ) conditions, long-XXXX and XXXX, make it especially difficult for me to communicate via phone or computer during periods of XXXX XXXX
To reduce the amount of pain experienced during long-XXXX I took measures such as screening my calls. As I did not receive any of the alleged collection notices, I had no way to communicate with Eastern Account Systems to dispute the alleged debt. If I were to have received a debt collection notices, in absence of the notices itself, I can not be sure that it does not discriminate against individuals with XXXX. Dispute of debt is required to be in-writing. Absent an electronic system by which to deliver disputes in-writing, I would be compelled to mail any sort of dispute. And, to ensure it was delivered, and contrary to the practices of Eastern Account Systems, I would have had to mail it from a post offices so that my mailed dispute included tracking/delivery confirmation/return receipt. A trip to the post office to dispute a debt may seem like a rudimentary exercise for someone that is not XXXX, but for me it would have meant exacerbating the symptoms listed above, endangering myself and others.
Overall, Eastern Account Systems has engaged in predatory collection practices that it knows or should know are unfair and illegal practices under both the FDCPA and the XXXX. In fact, Eastern Account Systems failure to identify itself in phone call screenings, and failure to leave voicemail messages constitutes practices designed to harass individuals as a leverage when collecting on alleged debt. A failure to ensure delivery of mailed notices when the USPS has repeatedly announced staffing difficulties through the omicron wave, and months beyond, is a tactic to leverage collection of an alleged debt by placement of a collection item in a credit file that damages the credit-worthiness of an individual by decrease in credit score that reduces a consumers availability to obtain everything from employment, to financial services and access to financing/credit. An individual with a XXXX is likely to face more obstacles to activities that would otherwise seem routine. The joint DoJ and XXXX statement on XXXX and long-XXXX make this clear. Even in a nominal environment it would be difficult for individuals with XXXX to engage routine practices, let alone in a dysfunctional environment brought on by the pandemic, especially if medication is used to manage an underlying condition, and that condition is exacerbated by reduced access to medication and a XXXX XXXX and long-COVID thereafter.
Leveraging questionable practices that are incompatible with the current situation of the XXXX pandemic results in unavoidable discrimination against consumers who have XXXX that pre-date the pandemic, and those who have become XXXX as a result of XXXX and the resulting period of long-XXXX. The discrimination is far more apparent when those who have comorbidity of a pre-pandemic XXXX and XXXX due to XXXX and/or long-XXXX.
While it may be unintentional, the practices of Eastern Account Systems, causes disproportionate harm to individuals with XXXX and that is the epitome of XXXX XXXX and harassment.
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| 09/04/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt and reporting it to consumer reporting agencies. The following are the federal laws that they broke.
XXXX. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER.
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument.
( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument.
( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made.
( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee 1006.34 Notice for validation of debts.
( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.
( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ).
( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information. ( ii ) The consumer 's name and mailing a
ddress.
( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date.
( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number.
( v ) The name of the creditor to whom the debt currently is owed.
( vi ) The itemization date.
( vii ) The amount of the debt on the itemization date.
( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page.
( ix ) The current amount of the debt.
1006.14 Harassing, oppressive, or abusive conduct.
( a ) In general. A debt collector must not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( h ) of this section.
( b ) Repeated or continuous telephone calls or telephone conversations ( 1 ) In general. In connection with the collection of a debt, a debt collector must not place telephone calls or engage any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
1006.18 False, deceptive, or misleading representations or means.
( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section.
( b ) False, deceptive, or misleading representations.
( XXXX ) A debt collector must not falsely represent or imply that : ( i ) The debt collector is vouched for, bonded by, or affiliated with the United States or any State, including through the use of any badge, uniform, or facsimile thereof.
( ii ) The debt collector operates or is employed by a consumer reporting agency, as defined by section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ).
( iii ) Any individual is an attorney or that any communication is from an attorney.
( iv ) The consumer committed any crime or other conduct in order to disgrace the consumer.
( v ) A sale, referral, or other transfer of any interest in a debt causes or will cause the consumer to : ( A ) Lose any claim or defense to payment of the debt ; or ( B ) Become subject to any practice prohibited by this part.
( vi ) Accounts have been turned over to innocent purchasers for value.
( vii ) Documents are legal process.
( viii ) Documents are not legal process forms or do not require action by the consumer.
( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt.
( ii ) Any services rendered, or compensation that may be lawfully received, by any debt collector for the collection of a debt.
1006.22 Unfair or unconscionable means.
( a ) In general. A debt collector must not use unfair or unconscionable means to collect or attempt to collect any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( f ) of this section.
( b ) Collection of unauthorized amounts. A debt collector must not collect any amount unless such amount is expressly authorized by the agreement creating the debt or permitted by law. For purposes of this paragraph, the term any amount includes any interest, fee, charge, or expense incidental to the principal obligation.
1006.30 Other prohibited practices.
( a ) Required actions prior to furnishing information ( XXXX ) In general. Except as provided in paragraph ( a ) ( XXXX ) of this section, a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ), information about a debt before the debt collector : ( i ) Speaks to the consumer about the debt in person or by telephone ; or ( ii ) Places a letter in the mail or sends an electronic message to the consumer about the debt and waits a reasonable period of time to receive a notice of undeliverability. During the reasonable period, the debt collector must permit receipt of, and monitor for, notifications of undeliverability from communications providers. If the debt collector receives such a notification during the reasonable period, the debt collector must not furnish information about the debt to a consumer reporting agency until the debt collector otherwise satisfies this paragraph ( a ) ( 1 ).
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
5 U.S. Code 552a - Records maintained on individuals
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| 08/29/2017 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I saw XXXX XXXX XXXX, who is no longer with XXXX XXXX, onXX/XX/XXXX andXX/XX/XXXX. I never received a bill, but my company has a third-party payee from our " XXXX XXXX '' and an XXXX. This made me assume that the bill had been paid through that. I did not receive any further correspondence from either XXXX XXXX or Eastern Account Systems, the debt collector. I found out about this debt inXX/XX/XXXX and tried to figure out what it was for, because it did not specify anything. I had not seen any doctors at XXXX XXXX, per their website, so I had to trace back a year, and that is how I figured out it was XXXX XXXX.
It is possible that the billing was not completed properly if XXXX XXXX is no longer associated with XXXX XXXX. I also found out that I was billed {$160.00} for a common wrist brace that is available for $ XXXX {$20.00} everywhere -- XXXX and other websites, which is egregious.
Aside from this, if my second service date was XX/XX/XXXX, the practice could not have issued/generated a bill prior to approximately XX/XX/XXXX. I moved from my former address on XX/XX/XXXX, but I did have mail forwarding set up, and I moved within the same building.
I contacted the New York State Attorney General 's Office regarding this matter on XX/XX/XXXX, in hopes of resolving this matter, but the Attorney General was not able to resolve anything with this company, either. The letter I received from the Attorney General 's office, dated XX/XX/XXXX ( I called on XX/XX/XXXX because I had not received any correspondence, so I just received the letter ), says that the company " refused to make any refund or other adjustment. '' I have offered to pay the debt in full, but Eastern Account systems refused to remove the derogatory information from my credit report! This has sent my credit score " into the gutter. '' I have had 100 % perfect credit for my entire life before now, and this is incredibly detrimental to me.
Because I never received a bill or any correspondence, this original omission of payment to XXXX XXXX was in error. As noted, I also never received any correspondence from Eastern Account Systems. The letter Eastern sent to the Attorney General, dated XX/XX/XXXX, claims that the notices were mailed to my home address, which I " verified one as correct. '' This is a blatant lie ; I refuse to validate my address to anyone over the phone, due to fraud and identity theft and previous issues. When I spoke to a representative at Eastern, as the letter claims, on XX/XX/XXXX, I did not verify my address, and thus no information was provided. I asked that a letter be sent to me in order to validate the debt to whatever address they have on file, but I received no such correspondence. The letter also claims that I was called onXX/XX/XXXX, but I have no such record of any call from the company on my phone bill. Eastern also claims that I said the debts were paid in full ; but if I did not verify my address and they would not speak to me, how could I verify the debt was paid in full?
Once I found out about the debt in XX/XX/XXXX, I immediately offered to pay the bill in full, so long as the negative information was removed from my credit report ( perfect credit otherwise, now ruined ), to no avail. They said they would only update it to " paid, '' which would scar my credit for the next 7 years. This is aside from the fact that the debt collector, Eastern Account Systems, illegally reported the debt before what is allowed in New York State. Eastern Account Systems 's representative tried to dupe me and claim that Connecticut law applied " because they are a Connecticut corporation, '' but I am an attorney and know better ; New York law applies because ( 1 ) the doctor was located in New York ; ( 2 ) XXXX XXXX is in New York ; and ( 3 ) most importantly, I am a resident of New York during the entire applicable period. Eastern tries to use deceptive practices on people and scare those who do not know any better.
The information I provided in my complaint to the New York State Attorney General is as follows : Section III of the Attorney General 's settlement agreement clearly stipulates : " 3. Medical Debt Collections a. To allow appropriate time for insurance remediation and clarity on what a consumers individual payment obligation is for a medical account, the CRAs shall prevent the reporting and display of medical debt identified and furnished by Collection Furnishers when the date of the first delinquency is less than one hundred and eighty ( 180 ) days prior to the date that the account is reported to the CRAs. '' Whether a bill was generated by XX/XX/XXXXor not, the date of the " first delinquency '' was clearly after XX/XX/XXXX. My credit report says that this was first reported in XX/XX/XXXX ; Eastern claims they reported it in XXXX XXXX. No matter what, that is less than XXXX days from the first delinquency.
Eastern is playing bait and switch with me, not only with this information, but a manager named XXXX told me onXX/XX/XXXXthat they sent me XXXX letters, then she changed it to 7 letters ; she can not get her facts straight. OnXX/XX/XXXX, a " XXXX '' told me that NY law does not govern them, only CT law does, because they are based in CT. I am a NY resident, so of course NY law prevails, as I noted above.
Eastern clearly does not know either the facts or the law, and this information was placed on my credit report in violation of what is allowable.
-- The letter dated XX/XX/XXXX from Eastern Account Systems to the New York Attorney General contradicts the information I have written above, which is what I submitted to the Attorney General. XXXX claims that nothing was placed on my credit report until XX/XX/XXXX ( note that my credit report reflects XX/XX/XXXX ), and as the letter states, " long after 180 days. '' This statement is false on its face ; even if it was placed on my credit in XXXX XXXX, it was NOT long after 180 days ; XX/XX/XXXXwas only XXXX days after my second visit to the office at the end of XXXX.
New York 's settlement with debt collection agencies very clearly stipulates that nothing can be placed on a credit file until 180 AFTER a first delinquency : " To allow appropriate time for insurance remediation and clarity on what a consumers individual payment obligation is for a medical account, the CRAs shall prevent the reporting and display of medical debt identified and furnished by Collection Furnishers when the date of the first delinquency is less than one hundred and eighty ( 180 ) days prior to the date that the account is reported to the CRAs. '' So again,XX/XX/XXXX was 180 days after my second office visit, not my first DELINQUENCY. Feasibly, no bill would be drawn up and sent to me, let alone due, prior toXX/XX/XXXX, and even that is extremely quick. A delinquency would most likely not be for 30 days after the initial date of the bill, which would make that XXXX XXXX, if the bill was actually drawn up that quickly. XX/XX/XXXX was only XXXX days after XX/XX/XXXX, making XX/XX/XXXX the first day, based on this hypothetical timeframe, that Eastern Account Systems would be legally permitted to place any derogatory information on my credit report. This means that even if they placed the information there in XX/XX/XXXX, as they claim, rather than XX/XX/XXXX as my report reflects, it was still well before 180 days not " long after, '' as the company claims. This is in violation of the law, and the information must be expunged from my credit report IMMEDIATELY.
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| 11/27/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my XXXX XXXX I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1 .EASTERN ACCOUNT SYSTEM & {$1000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. XXXX. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 02/14/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XX/XX/XXXX When I cancelled my XXXX internet service on or about XX/XX/XXXX, two invalid charges occurred : 1 ) I was 'crammed ' into a new internet service contract with XXXX without my consent.
2 ) I was charged for equipment that I returned.
XXXX handed off my account to EAS for collection. XXXX still shows I have a balance due of {$290.00}. EAS at least removed {$200.00} from my credit report related to the returned equipment. EAS will not remove the negative credit report entry related to {$97.00} of 'service ' for which I did not subscribe and did not even receive ( I had returned the equipment to Frontier by that time. ) In trying to remedy the error, I'm given the run around by both companies. EAS wants me to get XXXX to acknowledge there is no debt and XXXX wants me to work through EAS. That is a completely unacceptable, Kafka-esque situation for the consumer.
HISTORY OF ACTIONS I'VE TAKEN ( from most recent to original observation of the issue ) XXXX XXXX XX/XX/XXXX Eastern Account System still has a negative thing on my credit report ( at TransUnion among others. ) for the XXXX bill I dispute.
I chatted with XXXX who explained that the only way she could close the account is by receiving payment or proof of payment. Because it is not something I owe, I would not have paid for it and will not pay for it. She insisted I must get XXXX to stop telling EAS that I owed the debt. I was getting the run-around.
Chatted with XXXX at XXXX. XXXX at XXXX gave me the run around as well. He claims I *must* dispute the debt with their external debt collector : EAS.
XXXX XXXX XX/XX/XXXX Hand-written letter on back of EAS letter disputing debts mailed in their envelope using my stamp. Scanned copy saved.
XXXX tracking number provided to dispute the equipment charge.
XXXX XXXX XX/XX/XXXX EAS put negative items on credit report for the XXXX I already disputed ( and for which they failed to provide a judgement ) and {$97.00} which is an invalid charge for Wi-Fi/Internet service because the XXXX rep played shenanigans when I cancelled by service and re-upped me for a Wi-Fi subscription. I did NOT agree to re-subscribe. I was crammed/slammed into the XXXX subscription service in XXXX of XXXX.
XXXX XXXX XX/XX/XXXX I received a notice of my XXXX account having been placed with Eastern Account System of Connecticut for collections.
I need to send a letter disputing the validity of the debt : Eastern Account System of Connecticut , Inc .
XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX www.easternpayments.com Notice Date : XX/XX/XXXX EAS Account Number : Creditor # : XXXX Creditor : XXXX Communications I dispute the validity of the debt in its entirety. I have returned all equipment to XXXX XXXX. Here 's the XXXX Tracking Number proving that : XXXX Tracking Number Delivered On Friday XX/XX/XXXX Delivery Time at XXXX XXXX
XXXX XXXX, IN, US Left At : Dock Received By : XXXX XXXX XXXX XX/XX/XXXX Tracking Number XXXX calling XXXX XXXX ( collections ) for the last time to give them the tracking number.
XXXX XXXX ( later the same day ) I got the tracking number communicated to a rep earlier but I now have to call Frontier back to get my account marked as disputed because I got the hand-off/run-around treatment from the rep earlier.
Speaking with XXXX of XXXX : Customer Care/Billing are the same thing and they should be able to mark the account as disputed.
XXXX XXXX is Customer Service/Customer Care/Billing transferred by XXXX to Customer Care XXXX at Customer Service actually marked it as disputed!
22 mintues total spent on phone with XXXX reps.
XXXX XXXX XX/XX/XXXX Calling XXXX XXXX *again* to resolve disputed charges which are now reported to be {$290.00}.
I received shipping container ( s ) to send the set-top box and modem back and did via so XXXX store.
speaking with XXXX : He's guessing that it might be non-returned equipment. He appears to have read something in the account history that the charges are related to non-returned equipment fees.
XXXX sent me over to the " money department ''.
XXXX - payments - she said what XXXX should've done was to ask a supervisor to show him how to do it - so I need to call back to XXXX So ... calling XXXX XXXX leaned a little further forward and talked offline with a supervisor ... she asked me to provide the tracking numbers to open a dispute which is legit so I'll track them down - I definitely got receipt ( s ) from the XXXX Store next to the old XXXX XXXX when I returned XXXX XXXX equipment.
17m 33s spent just on the 2nd call with XXXX.
XXXX XXXX XX/XX/XXXX Calling XXXX XXXX *again* to make sure this is resolved. Automated system reports my balance is still {$48.00}.
XXXX transferred me over to the dept to get another box sent for the modem.
XXXX then transferred me over to customer service to get the box sent.
XXXX was able to get it sent - should be here in the next 2-5 business days.
32 minutes spent working through XXXX XXXX bureaucracy to resolve a debt I do not owe.
XXXX XXXX XX/XX/XXXX Last week, I called XXXX to cancel all of our services because I had switched us to XXXX. I could not have been more clear that I wanted all services cancelled but the guy apparently left or reestablished internet.
I got an ebill from XXXX that indicated I owed ~ {$49.00} which tipped me off to the issue.
I spoke with XXXX and she said she would note the issue on my account in addition to closing it.
conf code XXXX XXXX early term fee - because it shows I signed up for a new term of service starting XX/XX/XXXX XXXX fee broadband disc charge XXXX
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| 08/09/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Please note this is the second complain written on this company, the first complain Submitted to the CFPB on XX/XX/XXXX. I intend to SUE this company for fraudulent and re-aging of the account on my credit report, please let this second complain serve as such.
RE-AGING OF ACCOUNT WITH DOCUMENTED PROOF As provided in first complain the original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) confirmed that the last date of payment which is also known as the date of delinquency is XX/XX/XXXX which can be heard on the recording as evidence. ( In the amount of {$62.00} this can be heard at XXXX of the recording. ) On my credit report Eastern Account Systems Collections listed the date of delinquency as XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX and XX/XX/XXXX as stated on XXXX respectively. THIS IS PROOF THAT Eastern Account Systems Collections IS ATTEMPTING TO RE-AGE THIS ACCOUNT.
WHICH IS ILLEGAL UNDER THE FAIR DEBT COLLECTION PRACTICE ACT ( FDCPA ) CREDITOR FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven years from the date of delinquency. If the debt was discharged in bankruptcy, however, a CRA may report it for 10 years. I have never had a bankruptcy.
COLLECTION AGENCY ATTEMPTING TO COLLECT WRONG AMOUNT DOCUMENTED PROOF, WHICH IS FRAUDULENT. TRYING TO COLLECT MORE THAN THE AMOUNT ALLEGEDLY OWED I called XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) for clarification of the alleged debt. Eastern Account Systems Collections listed the alleged debt on my credit report in the amount of {$810.00}. In which the actual amount according to the original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) is {$810.00}. THIS CAN BE HEARD AT XXXX OF THE RECORDING WHERE THE REPRESENTATIVE CONFIRMS THE CORRECT AMOUNT ALLEGEDLY OWE WHICH IS DECEPTIVE COLLECTION PRACTICE UNDER THE ( FDCPA ) Fair Debt Collection Practice Act ( FDCPA ) laws as stated here 15 U.S.C. 1692-1692p " The FDCPA broadly prohibits a debt collector from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. 15 U.S.C. 1692e. The statute enumerates several examples of such practices, 15 U.S.C. 1692e, as well as several examples of unfair practices, 15 U.S.C. 1692f.
PROVIDE ME WITH THE FOLLOWING : Is this a utility account?
1. Provide the name, address, telephone number, and fax number of the original creditor. 2. Provide a copy of the signed lease of the address on the account.
3. The original contract with the utility company with signature, and payment history from the original creditor.
4. Provide documentation of the date the account was opened.
5. Provide documentation of the original amount due.
6. Provide documentation of the last date of electricity and gas used, at the address of the account in question.
7. Provide documentation of how the original amount due was determined.
8. Provide documentation of the date of delinquency and documentation of the last billing statement.
9. Provide documentation on when your collection agency received the account and what amount?
10. Provide documentation on the person ( s ) responsible for paying the account.
11. Provide documentation on when the date of the final bill was sent.
12. Provide documentation on a move out date.
13. Provide documentation on whether the person whos alleged responsible for the account moved out. Please provide documentation for each statement.
Statute of limitation 14. Please also note whether this debt is within the statute of limitation and how that was determined.
Details about your Authority to collect this debt.
15. Also include a copy of your BOND required to conduct business in New York State and within XXXX XXXX XXXX
16. Provide the date of the license, the license number, and the name, address and telephone number of the state licensed issuing agency.
17. If you are contacting me from a place outside my state, provide a debt collection license from that state.
18. Provide the date of license, the name on the license, the license number, and the name, address and telephone number of the state licensed issuing agency.
19. As per your own words provide me proof by way of United States Postal Service Certified Mail and/ or Return Receipt that you provided notice on this account BEFORE XX/XX/XXXX" Eastern Account System did send notice which was never returned as undeliverable. The account was placed in collections XX/XX/XXXX, the account did not report to the bureaus until XX/XX/XXXX, almost 60 days later. " Please be aware that until the requested details are furnished that you have not fulfilled the requisite to report this account to the credit bureau and must immediately remove this account from the credit report if you can not furnish the requested information as U.S. code, 15 U.S.C. 1681g ( b ).
Also, your permission to contact me or communicate with me by phone or any other means except by mail through the United States Postal Service is revoked per U.S code,15 U.S.C . 1692c ( c ).
PLEASE LET THIS SECOND COMPLAIN SERVE AS A WARNING OF MY INTENT.
I WILL FILE A COMPLAIN WITH THE FEDERAL TRADE COMMISSION ( FTC ), THE OFFICE OF THE ATTORNEY GENERAL IN THE STATE OF NEW YORK, ( OG ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND FILE FOR STATUTORY DAMAGES WITH A CONSUMER PROTECTION ATTORNEY.
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| 11/22/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This company is attempting to collect on a debt transferred from XXXX with the account number XXXX and the balance being {$360.00}.
Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, in order for me to validate this alleged debt, I am requesting the entire purchase agreement of this transferred contract/instrument be sent to me. I do not want just the bill of sale. Please send me the entire purchase agreement of this account or you will not be validating this alleged debt per my request. In addition to sending the entire purchase agreement, I am requesting the following items. Pursuant to 12 CFR 1006.34 please provide me with a copy of all the following : ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information. ( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ). ( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information. ( ii ) The consumer 's name and mailing address. ( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. ( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. ( v ) The name of the creditor to whom the debt currently is owed. ( vi ) The itemization date. ( vii ) The amount of the debt on the itemization date. ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. ( ix ) The current amount of the debt. ( 3 ) Information about consumer protections. ( i ) The date that the debt collector will consider the end date of the validation period and a statement that, if the consumer notifies the debt collector in writing on or before that date that the debt, or any portion of the debt, is disputed, the debt collector must cease collection of the debt, or the disputed portion of the debt, until the debt collector sends the consumer either verification of the debt or a copy of a judgment. ( ii ) The date that the debt collector will consider the end date of the validation period and a statement that, if the consumer requests in writing on or before that date the name and address of the original creditor, the debt collector must cease collection of the debt until the debt collector sends the consumer the name and address of the original creditor, if different from the current creditor. ( iii ) The date that the debt collector will consider the end date of the validation period and a statement that, unless the consumer contacts the debt collector to dispute the validity of the debt, or any portion of the debt, on or before that date, the debt collector will assume that the debt is valid. ( iv ) If the debt collector is collecting debt related to a consumer financial product or service as defined in 1006.2 ( f ), a statement that informs the consumer that additional information regarding consumer protections in debt collection is available on the Bureau 's website at www.cfpb.gov/debt-collection. ( v ) If the debt collector sends the validation notice electronically, a statement explaining how a consumer can, as described in paragraphs ( c ) ( 4 ) ( i ) and ( ii ) of this section, dispute the debt or request original-creditor information electronically.
Lastly, Pursuant to Uniform Commercial Code 3-203 TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER, this item can not be in collected by you, Eastern Account System of Connecticut , Inc because once the contract/instrument is transferred, the rights to collect are cancelled unless I indorse the transferred contract/instrument with you ( Eastern Account System of Connecticut, Inc ). You need an indorsement ( as described in Uniform Commercial Code 3-204 ) from me in order to lawfully collect on this alleged obligation. Otherwise, without my indorsement you CAN NOT collect. If you believe otherwise, please send me the contract in which I indorsed and you, Eastern Account System of Connecticut , Inc indorsed with wet ink. You have 15 days after receiving letter to send me all items stated above to validate this alleged debt. If you can not send all of the requested items in a timely manner then I demand that you remove this inaccurate information from all consumer reports as it is in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. If you do not, I will seek litigation for damages.
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| 02/19/2022 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 EASTERN ACCOUNT SYSTEM XXXX XXXX XXXX XXXX, CT XXXX NOTICE AND DEMAND FOR VALIDATION PURSUANT 15 USC 1692gb. CEASE AND DESIST PURSUANT 15 USC 1692c ( c ) FOR ACCOUNT XXXX To Whom It May Concern : I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me are statements and signatures to an Alleged account that you can not prove is mine.
You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts.
You { EASTERN ACCOUNT SYSTEM } failed to validate this alleged debt.
I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt.
Furthermore, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect this alleged debt and money that I do not owe.
This Cease and desist include but not limited to any collection attempts and or reporting of this account to any CONSUMER REPORTING AGENCY.
15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account.
Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt.
FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall -- ( XXXX ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( XXXX ) in the case of an action not described in paragraph ( XXXX ), bring such action only in the judicial district or similar legal entity -- ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action.
( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.
By the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney.
FDCPA 807 [ 15 USC 1692 ( XXXX ) ( XXXX ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney.
With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( XXXX ) any actual damage sustained by such person as a result of such failure ; ( XXXX ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. Your Options are as follows : XXXX ) Delete this account and cease and desist with all collection activities ; XXXX ) Settlement ; or XXXX ) We go to court and you incur lawyer fees, plus pay me Actual damages plus legal fees Sincerely, XXXX XXXX
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| 08/29/2023 |
Yes |
- Debt collection
- Telecommunications debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On XX/XX/2023 I received a alert on my consumer report ... Collection Agency Attempting to collect a debt I attempted several options to resolve this matter by first offering to pay this debt in full to get it quicky removed from my consumer report because the debt is not mine and it could mess up my ability to qualify for my mortgage loan. I mailed a letter on XX/XX/2023 to address on consumer report EASTERN ACCOUNT SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Cy XXXX which was returned back to me because of a faulty address.
I XXXX XXXX called EASTERN ACCOUNT SYSTEM telephone number XXXX on a recorded line and spoke to XXXXXXXX XXXX I told her I mailed them a letter and it was returned back to me due to a faulty address on file. She stated they are not at that address and gave me a different address XXXX XXXX XXXX XXXX XXXX, Ct XXXX. On XX/XX/2023 I asked for her email address : XXXX so I can sent her over a new letter of pay for deletion because I'm currently buying a house and I need this off my consumer report immediately also need them to review and sign an agreement if I pay this debt in full they are to remove it off my credit report and not put this as a paid collection. I explain the situation to her that this debt isn't mine but due to me being in the process of buying a home I am willing to compromise to offer a full settlement amount {$220.00} in exchange to remove this inaccurate information from my consumer report.
XXXXXXXX XXXX stated their office provide no such option and the collection will remain on my credit report and it will get updated as paid collection. I told her It makes no sense to pay a debt in full that is not mine for it to remain on my credit report for 8 years. I explained to her I just disputed this same account {$220.00} from a previous collection agency and they removed it and then you guys bought the same debt for the same amount {$220.00}. XXXX claim that XXXX cable company removed it from the old collection agency and XXXX reassigned the debt to them. I explained that I resolved this situation already and I owe no such debt for alleged cable bill because I am not at that address. That it is not my address they claim the bill to be owed which is the main reason why the old collection agency removed it from my consumer report because they couldn't verify or validate the account.
XXXX then stated they will review my email pay for delete letter but will not consent to signing anything or will not consent to accepting my offer. That they will follow up with a phone call. I stated I will only email or correspondence by mail no phone calls.
So I XXXX XXXX requested for validation of the debt and sent several letters of Validation of debt request pursuant to 15 USC 1692g under the Fair Debt Collection Practices Act. The Second Letter was sent certified mail on XX/XX/2023 and signed for tracking number XXXX XXXX XXXX XXXX XXXX it was signed for but no response or letter to validate my request which all letters is attached to my CFPB Complaint.
They were acquiescence more than 30 days which is a violation of the Fair Credit Reporting Act... So I sent out another letter certified mail on XX/XX/2023 for Failed to provide validation of debt pursuant to 15 USC 1692g. The certified letter # XXXX XXXX XXXX XXXX XXXX was signed for and returned signature receipt # XXXX XXXX XXXX XXXX XXXX XXXX by XXXX no response or letter sent back.
So I sent out 2 additional letters XX/XX/2023 about furnishing inaccurate information on consumer reports and how this have severe damage my ability to obtain future credit and let them know they are willfully violating the consumer laws under FCRA 15 USC 1681s-2 Responsibilities of furnishers and 1681 for willful noncompliance.
XX/XX/2023 I sent a final letter registered mail # XXXX XXXXXXXX XXXX XXXX XXXX of demand for validation and proof of claim which EASTERN ACCOUNT SYSTEM has only been acquiescence and been willfully non compliance under 1681 and now I will be seeking legal actions against this company for 616 civil liability for willful noncompliance, Defamation of character and much more.
|
| 08/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On XX/XX/XXXX I ordered my credit report, and looked through it thoroughly. I was shocked to learn I had several collection accounts listed on my credit report. I decided to reach out to the collection agencies for clarification on the alleged debt they insisted I owed. Unsatisfied with the outcome from speaking with the collection agency, I decided to reach out to the original creditors. It was then I learned in great detail about the alleged debt, details I either could not get from the collection agencies or when I did receive information from them was totally inaccurate. It was then the discrepancies became apparent, these discrepancies I will list below. Eastern Account Systems Collections is listed on my credit report as the collection agency for XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ), I called XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) for clarification of the alleged debt. Eastern Account Systems Collections listed the alleged debt on my credit report in the amount of {$810.00}. In which the actual amount according to the original creditor XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) is {$810.00}. This is the first discrepancy. Collection of the wrong amount. In addition to this according to New York XXXX XXXX XXXX XXXX ( XXXX ), as evidence by the recorded conversation I attached to this complaint. Eastern Account Systems Collections is Re-aging this fraudulent account. The original creditor XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) date of last activity or the last payment date or date of last delinquency is XX/XX/XXXX. ( as evident by the recorded phone conversation with XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). ( Per the original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) the account last date of payment is XX/XX/XXXX in the amount of {$62.00} this can be heard at XXXX of the recording. ) On my credit report Eastern Account Systems Collections has the date of last activity as XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX and XX/XX/XXXX as stated on XXXX respectively. Clearly Eastern Account Systems Collections is Re-aging this fraudulent account. This is the second deliberate discrepancy, and the third being the two ( 2 ) different dates of last activity. This is a grave injustice and totally illegal. According to Fair Credit Reporting Act { FCRA } If you are a debt collector furnishing information to a CRA about the accounts of a creditor, you must report the date of delinquency given to you by the CREDITOR FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven years from the date of delinquency. If the debt was discharged in bankruptcy, however, a CRA may report it for 10 years. I have never had a bankruptcy.
Moreover these deliberate discrepancies are proof that Eastern Account Systems Collections, are using un-fair collections practices which prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts. Which are not in accordance to the Fair Debt Collection Practice Act ( FDCPA ) laws as stated here 15 U.S.C. 1692-1692p " The FDCPA broadly prohibits a debt collector from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. 15 U.S.C. 1692e. The statute enumerates several examples of such practices, 15 U.S.C. 1692e, as well as several examples of unfair practices, 15 U.S.C. 1692f. '' Moreover, I'll like to take the time to state that this collection agency Eastern Account Systems Collections is NOT to contact me further other than a reply here on the Consumer Financial Protection Bureau 's complaint in reference to this account. Any other communication is strictly prohibited as defined by Fair Debt Collection Practice Act ( FDCPA ) laws that governs you.
|
| 04/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am a part of this ongoing investigation against XXXX XXXX. Charges continued after less than 30 days of service due in which I was able to do within the time frame without a cancellation fee. I have proof that I began service with XXXX before 30 days but XXXX continued to bill for months after. After numerous conversations with XXXX stating that the charges would be reversed, they sent it to a collection agency. I disputed the account with XXXX and XXXX in which they removed the account but XXXX is still reporting it after countless disputes. I have spoken to the collection agency in which they argued with me that I am in fact responsible for this debt even though I have a contract start date with another company before the first billing cycle was released and two of the three credit bureaus found it was incorrect.
XXXX XXXX XXXX XXXX ) - # XXXX, XXXX Attorney General XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX announced an investigation into XXXX XXXX following consumer complaints regarding excessive charges, poor service quality and unsatisfactory customer service that began after XXXX acquired XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX in XXXX.
Since XX/XX/XXXX, the Office of the Attorney General and Department XXXX XXXX XXXX have jointly received over 1,000 consumer complaints regarding XXXX. Those include complaints involving charges for equipment already returned, poor voice, video and internet quality, unsatisfactory customer service, charges that exceeded promised rates, and charges that continued after services had been cancelled.
The Office of the Attorney General and XXXX have issued a civil investigative demand seeking comprehensive records regarding customer complaints, including contracts, correspondence, and billing records to determine whether Frontiers actions have violated the Connecticut Unfair Trade Practices Act. Should violations of law be identified, XXXX could be required to pay fines and comply with other injunctive relief to protect consumers.
Since XXXX took over XXXX, we have seen a steady onslaught of consumer complaints ranging from poor service quality and customer service to improper charges and excessive rates. Jointly with XXXX, we are seeking comprehensive records from XXXX regarding their customer complaints to determine whether the company may have violated the Connecticut Unfair Trade Practices Act, said Attorney General XXXX. XXXX made promises to Connecticut that they had the ability to provide safe, adequate and reliable service, and they need to live up to that promise now.
Its important that consumers and families get what they pay for especially when it comes to utilities like internet access that are increasingly important in every day life, said XXXX XXXX XXXX XXXX XXXX XXXX. Like the Office of the Attorney General, we have had a steady stream of complaints about issues with XXXX, and I am pleased that we are taking this next step in our investigation. I want to thank the staff at XXXX and the Office of the Attorney General who have put so many hours of hard work into this effort.
XXXX supports the AGs effort to protect consumers of telecommunications and video services in the state. The AGs investigation into certain consumer complaints arising from The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Connecticut XXXX XXXX XXXX XXXX competitive services is critical to maintaining a level, consumer-friendly playing field. XXXX expects a cooperative investigation and encourages XXXX to resolve any consumer protection issues identified in an expedient manner, said XXXX XXXX XXXX, Chairwoman of the Connecticut XXXX XXXX XXXX XXXX.
Assistant Attorneys General XXXX XXXX, XXXX XXXX and XXXX XXXX, head of the XXXX XXXX Department are assisting the Attorney General in this matter.
|
| 10/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
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I noticed that you have tapped into my credit report and pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX you do not have the authority to even contact me about some purported/alleged debt. I do not recognize you being a Creditor of mine. I have not obtained verification, nor validation that we have a contract signed by myself and you binding me to even acknowledge you as a XXXX. XXXX ( a ) ( b ). I need you to send validation and verification we have a contract and who gave you permission to contact the XXXX reporting agency about my private business? I also need to know where you obtained my private information my name, ssn, and other particulars so that this may be addressed in XXXX. You ca n't report derogatory information in my credit reports erroneously just because you say you purchased something that you think is of value pursuant to XXXX ( XXXX XXXX the false representation or implication that accounts have been turned over to innocent purchasers for value. You better take this information out of my files immediately before you have to pay the XXXX monetary damages. Your XXXX does n't even have a license to do business in Georgia, pursuant to the XXXX of XXXX.
You did not obtain my permission or a competent XXXX of Jurisdictions permission. The United States XXXX XXXX 's permission pursuant to XXXX ( XXXX ) ( d ). You need to keep your nose out of private business, and mind your own, you all sound like you suffer from Mental illness and need to get checked for this very deadly XXXX. You also need to be drug tested for dipping into my private business.
I will let the Federal Trade Commission know about these unauthorized DEBT COLLECTION PRACTICES. I obtain all of my services privately for family, household and personal use and I need to know how you obtained my private information and put it in the public.
I am the Consumer pursuant to XXXX ( XXXX ), and you are the DEBT COLLECTOR pursuant to XXXX ( XXXX ), this was not under a Contract for Business, XXXX, and Trade, but because you do not know the difference that is why you try to invade my privacy, and put my information on the Credit Bureaus websites and this is another violation which can be construed as Aggravated Identity Theft XXXX XXXX XXXX Section ( XXXX ) section XXXX of the Gramm-Leach-Bliley Act ( XXXX XXXX. XXXX ) ( relating to obtaining customer information by false pretenses XXXX This is a XXXX and I will hold a living breathing man or woman responsible for these violations. Title XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX these violations very well which are violations of XXXX XXXX. These demands will lead to personal liability, as well as the company, agency and or association, you are operating through.
Your mental health has to be evaluated if you think for XXXX moment that I owe EASTERN ACCOUNT SYSTEMS a dime. I did not sign a contract with your CORPORATION and I do not owe anything. Where did you obtain my private information and who gave it to you and did you steal it from somewhere? If so please tell me where it was obtained so they can go to XXXX along with your CORPORATION. The XXXX has the full faith and Credit of the United States. You better get all the proof from whomever sold you such a dream, they are deceiving you thinking that I owe anything on this alleged DEBT. Just like XXXX XXXX XXXX states the XXXX has the right to be treated fairly and to be told the truth. You are not telling the truth, I am going to give you 3 days to take this erroneous information off of my XXXX XXXX. Also send the XXXX {$15000.00}. Or we will go immediately to the United States XXXX XXXX, to get my money you owe me for putting this information on my XXXX XXXX, plus punitive damages. Please CEASE AND DESIST THIS BEHAVIOR.
|
| 07/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To Whom It May Concern : XXXX & XXXX Notice to all, I am the consumer in fact, natural person, original creditor, lender, Executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name XXXX XXXX XXXX, and I have been appointed and accepted being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a Consumer, XXXX XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, given this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, the Fair Debt Collection Practice Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; Fact The Fair Debt Collection Practices Act is intended to protect consumers against abusive, and deceptive debt collection practices and I have been abused and deceived so be it ; Eastern Account System Account # XXXX & a collection Account # XXXX has violated my rights under HIPPA and brought my medical information. This is clearly violates my rights according to HIPPA.
I Demand this be deleted immediately from my credit report.
The following violations have been committed XXXX5 USC 1692e ( 8 ) False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
Both of the Collection companies have communicated to my credit report.
15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. They have harmed my reputation and the physical person by reporting information to the credit bureaus stopping me from receiving services or goods.
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| 06/07/2023 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Subject : Debt Validation Letter/Notice of Racketeering Activity and Cease and Desist of Communication/Collection Activity Account Number : XXXX Dear XXXX XXXX XXXX XXXX XXXX XXXX I am writing this letter to inform you, XXXX XXXX XXXX XXXX XXXX XXXX as the representative of Eastern Account System of Connecticut , Inc. , that I dispute the alleged debt you claim I owe, and I hereby request validation of the debt as provided under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g. Furthermore, I believe that your actions may be in violation of the False Claims Act.
This communication serves as a formal notice that your claim is disputed, and I am requesting competent evidence that I have any legal obligation to pay you. Please note that this is not a request for mere verification of my mailing address, but a demand for validation under the aforementioned Title and Section.
Account Number : XXXX Pursuant to 15 USC 1692c. ( c ), I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums unless it pertains to my remedy in writing via mail.
Furthermore, pursuant to 15 USC 1692c. ( c ) ( 2 ), I am invoking my specified remedy as a consumer, and I demand the following from the original creditor : - Deletion from all consumer reports.
- Return of the requested documents so I can fully assess the validity of any alleged debt.
- Cease and rescind use of my intellectual property, my signature.
Please provide the following information : - Name and address of the original creditor who created the debt.
- Name on file of alleged debtor.
- Alleged account number.
- Address on file for alleged debtor.
- Amount of alleged debt.
- Date that this alleged debt became payable.
- Date of original charge or delinquency.
- Was this debt assigned to a debt collector or purchased?
- Amount paid if debt was purchased.
- Commission for debt if collection efforts are successful.
- Documentary evidence that your agency is in fact the holder in due course.
- Certified copy of the original negative information notice required by FCRA section 623 ( 7 ) ( A ).
Please provide the name and address of the bonding agent for EASTERN ACCOUNT SYSTEM, in case legal action becomes necessary.
You must respond with copies of ALL requested information, assignments, or other transfer agreements that would establish your right to collect this alleged debt within thirty days from the date of your receipt of this letter. Please be aware that I understand falsifying and concealing documentary evidence or making false statements is punishable under Title 18 U.S.Code 1001 and may result in up to five years of imprisonment.
Without the information required by law for your offices to have on file, there is no valid way that your office can validate any alleged debt.
Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
To acquiesce or fail to comply with the requirements of this notice would be an admission that there is no proof of claim for this alleged debt. You agreed to discharge the matter accordingly, not sell or assign this matter to another agency, as well as remove the false allegation
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| 06/08/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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*THIS IS NOT A DUPLICATE COMPLAINT* *THIS COMPLAINT IS IN RESPONSE TO COMPLAINT # XXXX ACCOUNT NUMBER : XXXX DOB : XX/XX/1977 " Original Creditor '' : XXXX XXXX XXXX XXXX XXXX : Dear XXXX XXXX XXXX XXXX XXXX, I am writing this letter to inform you, XXXX XXXX XXXX XXXX XXXX, as the representative of Eastern Account System of Connecticut, Inc. , that I dispute the alleged debt you claim I owe, and I hereby request validation of the debt as provided under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g. Furthermore, I believe that your actions may be in violation of the False Claims Act. This communication serves as a formal notice that your claim is disputed, and I am requesting competent evidence that I have any legal obligation to pay you. Please note that this is not a request for mere verification of my mailing address, but a demand for validation under the aforementioned Title and Section. Account Number : XXXX Pursuant to 15 USC 1692c. ( c ), I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums unless it pertains to my remedy in writing via mail. Furthermore, pursuant to 15 USC 1692c. ( c ) ( 2 ), I am invoking my specified remedy as a consumer, and I demand the following from the original creditor : - Deletion from all consumer reports. - Return of the requested documents so I can fully assess the validity of any alleged debt. - Cease and rescind use of my intellectual property, my signature. Please provide the following information : - Name and address of the original creditor who created the debt. - Name on file of alleged debtor. - Alleged account number. - Address on file for alleged debtor. - Amount of alleged debt. - Date that this alleged debt became payable. - Date of original charge or delinquency. - Was this debt assigned to a debt collector or purchased? - Amount paid if debt was purchased. - Commission for debt if collection efforts are successful. - Documentary evidence that your agency is in fact the holder in due course. - Certified copy of the original negative information notice required by FCRA section 623 ( 7 ) ( A ). Please provide the name and address of the bonding agent for EASTERN ACCOUNT SYSTEM, in case legal action becomes necessary. You must respond with copies of ALL requested information, assignments, or other transfer agreements that would establish your right to collect this alleged debt within thirty days from the date of your receipt of this letter. Please be aware that I understand falsifying and concealing documentary evidence or making false statements is punishable under Title 18 U.S.Code 1001 and may result in up to five years of imprisonment. Without the information required by law for your offices to have on file, there is no valid way that your office can validate any alleged debt. Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. To acquiesce or fail to comply with the requirements of this notice would be an admission that there is no proof of claim for this alleged debt. You agreed to discharge the matter accordingly, not sell or assign this matter to another agency, as well as remove the false allegation
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| 04/10/2017 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
Servicemember |
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To Whom It May Concern : Approximately 4 months ago I noticed XXXX accounts listed on my credit. I advised the company who listed the accounts that the accounts are not mine and did not belong to me. I did this via letter sent USPS on two occasions both mailed correspondence included the partial account numbers and my Social Security number in order to allow the company to effectively identify the accounts. Even after sending the notice of dispute and C & D notice to the address the accounts remained on my credit. Additionally the Collection Agency continued listing the account without even notating the account that it was/is in dispute. I assumed after sending the letters in that they would be removed from my credit. I later applied for a loan which I was denied for on the spot. The loan officer sighted the XXXX recent collection accounts as the reason for the denial ( I had no other collections and or past due accounts on my credit at that time ). Once I was informed the accounts were still there I contacted your company via telephone upon doing so I was directed to leave a voicemail. I did so and my call was quickly returned as I threatened suit against your company. The woman who returned my call spoke in a manner that was extremely rude and condescending. In doing so she did advise these accounts were opened out of state by a woman. The accounts were not even in my name. She advised that she would request the accounts to be immediately removed but refused any further settlement to resolve the matter. This in itself was a violation of UDAAP, FCRA, CT Unfair Trade Practices Act and FDCPA. Your company knowingly and willfully continued reporting an account that was not my own without any investigation. I received no response to either dispute letter and was denied credit as a result of your companies negligence. Then when I afforded your company the opportunity to correct the injustice I was treated like I was garbage and talked down to as if I had no idea what I was talking about. I have consulted an attorney though I have not retained them on this matter as of yet. I have previously worked with the firm XXXX XXXX and that is why I consulted with them. XXXX XXXX advised this case would generally settle for roughly $ 10,000+ plus attorney 's fees and cost which would be paid by your company. I advised XXXX XXXX I was going to allow your company to freely correct this issue and settle this matter without going through the judicial process if your company was willing to which he advised against. In any event that is what I am willing to do to save from the lengthy drawn out process and extreme cost that would result for your offices.
I am willing to settle all claims against your company for a one-time payment of {$5000.00} to be paid within 14 Calendar days from the receipt of this complaint or XX/XX/2017 whichever comes first. Payment must be sent to my address listed above in exchange I would be willing to sign a " Release Of All Claims '' to be drafted by your company and emailed to me at XXXXXXXXXXXX. Any contact to be made in reference to this complaint must be made by email or phone to XXXX. If your company opts not to settle this matter I will be forced to retain XXXX XXXX to handle this case and move forward with the Judicial Process.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX
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| 01/21/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I wish to request assistance from the Consumer Financial Protection Bureau with regard to ongoing violations of 15 USC 1692 XXXX f ) ( 1 ) and 1692 ( c ) ( c ) of the Fair Debit Collections Practices Act ( " FDCPA '' ) ( 15 USC 1692 ) by Eastern Account System of Connecticut , Inc. ( " Eastern '' ).
On XXXX XXXX, XXXX, XXXX XXXX XXXX ( " XXXX '' ) produced an invoice in the amount of {$140.00} for services purportedly performed on XXXX XXXX, XXXX. This amount is considered an untimely billing request under Title 6, Chapter 146, 146.002 of the Texas XXXX XXXX and Remedies Code ( occurring both after the first day of the XXXX month after services were performed ( 146.002 ( a ) ) as well as beyond the contractual date established between the medical service provider and the issuer of the health benefit plan ( XXXX ( c ) ) ).
The claim in consideration is specifically barred for collection under Texas law by XXXX of the Texas Civil Practices and Remedies Code and thus not an amount " permitted by law '' as defined by 15 USC 1692 ( f ) ( 1 ) and thus attempted collection of such unlawful claims constitutes an " unfair practice '' as defined by 15 USC 1692 ( f ) and a violation of the Fair Debit Collection Practices Act.
The unlawfulness of the claim in consideration was conveyed to XXXX by certified mail ( copies attached ) on two separate occasions - XXXX XXXX, XXXX ( USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX , XXXX XXXX USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX ) as well as with numerous communications both written and verbal between the health benefit plan provider, XXXX, and XXXX during that time period.
XXXX had full and complete knowledge that their claims were barred from collection under the Texas Civil Practices and Remedies Code and made no attempt to correct their activities over multiple months of written and verbal correspondence. With such full and complete knowledge of an attempt to collect a claim not " permitted by law '' ( 15 USC 1692 ( f ) ( 1 ) ), Eastern 's collection letter of XXXX XXXX, XXXX is evidence of the firm 's intentional violation of 15 USC 1692 ( f ) ( 1 ) and can be considered in no way a result of a XXXX fide error or unintentional practice as defined by 15 USC 1692 ( k ).
Furthermore, both the communications of XXXX XXXX, XXXX and XXXX XXXX, XXXX sent by certified mail provided notice in writing of a desire to have all communications applicable to this matter with any debt collector immediately cease as provided by 15 USC 1692 ( c ). Through such written requests, Eastern had been provided full and complete knowledge of a desire to cease all communications related to the unlawful attempt to pursue a claim prohibited by Texas Law. While fully aware of this request, communications were made on XXXX XXXX, XXXX in violation of 15 USC 1692 ( c ) in no way a result of a bone fide error or unintentional practice as defined by 15 USC 1692 ( k ).
I would therefore request the assistance of the Consumer Financial Protection Bureau in addressing numerous violations of the Fair Debt Collections Practices Act. I would be more than happy to assist in any ongoing investigative activity and administrative enforcement activities permitted XXXX XXXX USC 1692 ( l ) in obtaining civil liabilities as may be provided by 15 USC 1692 ( k ).
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| 07/01/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : EASTERN ACCOUNT SYSTEM XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 08/01/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX # XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
EASTERN ACOUNT SYSTEMS XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 01/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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THE STATEMENT BELOW IS NOT A DUPLICATE COMPLAINT. I sent a initial complaint on Eastern Account Systems in regards to them trying to collect a debt I believe is fraudulent. I placed this on XX/XX/23 and received a response. I have moved from that matter and placed another complaint on the company because I believe they have violated my rights on a separate matter. On XX/XX/23 I placed a separate complaint on the same company ( Eastern account systems ) for obtaining my credit report improperly and the malpractice that took place in regards to that. My XXXX complaint was disregard due to the claim that is was a duplicate of my previous complaint. IN NO WAY WAS THIS A RESUBMISSION OF MY XXXX COMPLAINT. However, I did use the nature of my initial complaint as evidence in my following complaint which could have caused confusion. My initial claim was in regards to a medical debt collection as categorized on my complaint. To reiterate, this was about the companies lack of validation of this alleged debt even after trying to obtain information and trying to get a response from the company on the matter. The XXXX complaint was In regard to a totally separate matter and still has not been addressed because it was closed due to the company stating it was a duplicate. The XXXX complaint only speaks to the company violating my rights by obtaining my credit report and nothing to do with medical debt collection. I have edited and resubmitted my XXXX complaint below in hope that no confusion will be caused in translation. The company in question I am not familiar with and has obtained my credit report fraudulently. Under 15 U.S. Code 1681b- permissible purpose clearly outlines the circumstances in which a company can obtain a credit report. Their reasons as stated in their initial response was to collect a debt on behalf of a company which does not give the purpose to obtain my credit report nor have i given written or oral consent. Also, based on the name of the company you claim to be collecting for it is a medical service provider. 15 U.S. Code 1681c prohibits the release of any medical information that could identify the service in respect to said consumer which has not been done. In addition to that the company continues to dismiss my complaints as I have stated in the beginning of this complaint. XXXX XXXX have gone by without any resolve. Dealing with this has caused me a great amount of emotion and XXXX XXXX as well as made it hard for me to make buisness transactions with this derogatory remark on my credit report. Eastern account systems are in violation of all of the above XXXX XXXX and continues to make good on a debt collection that they obtained for pennies on the XXXX This makes them willfully noncompliant pursuant of 15 U.S. Code 1681 n section b which states " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. ''
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| 02/08/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Recently, I did an investigation on credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. I XXXX XXXX XXXX XXXX, a consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I noticed Ive been violated pursuant to the FDCPA ( Fair Debt Collection Practices Act ), by XXXX XXXX XXXX XXXX in connection with the collection of an alleged debt. There is evidence of the use of abusive, deceptive, and unfair debt collection practices. These practices resulted in the infringement of my intellectual property rights. Under Florida law it is illegal to secretly record an oral communication without the consent of at least one party. I am hereby giving you advance notice that I may decide to record any/all oral communication with your company, using any recording device that I so choose ( including transcription ), in the event that I have to use to use it as evidence against you in a court of law to prove that you were noncompliant. So if you contact me by phone, you are therefore giving me consent to record. Pursuant to USC 1692c. ( c ) I am notify you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of illegal communication with me through any and all mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as consumer, and the original creditor I am demanding all of the following. I refuse to pay this debt. Send and XXXX XXXX pursuant to 5 USC 552a ( d ) including all documents, including but not limited, signed credit applications, assignments, purchase of debt, ledger of the account, and anything else to the Consumer for review and validation ; XXXX out the balance on this account and DELETE all accounts held by debt collector from all consumer reporting agencies. Remove all remarks and comments off all consumer reports ; Cease communication and use of my intellectual property. Unless it pertains the validation of the alleged debt or remedy for violations that occurred. Any furthers communication with the consumer must be in writing, delivered via mail to the mailing location above. Again, this is a notice pursuant to FDCPA ( Fair Debt Collection Practices Act ), Failure to honor demands and provide the required documentation for proper validation of the alleged debt within 14 days of receipt of this notice, shall. a. ) Be taken as tacit agreement to the claims set forth, b. ) Grant the Consumer all demanded remedies, and c. ) May result in litigation ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ) Assignees who are debt collectors are responsible for the actions of those collecting on their behalf, citing Pollice, XXXX XXXX XXXX XXXX. ) Regards, XXXX XXXX XXXX XXXX XXXX Natural Person
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| 05/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have been conversing back and forth with this establishment with no resolution. There is previous bill from XX/XX/XXXX for {$450.00} that was sent to collections in which I paid the original creditor in full. I was told by the billing department that since Eastern Account System reported that the account was a medical account on my XXXX credit report it was a HIPAA violation to which EAS broke the law. I called EAS several times letting them know that it was paid to the original creditor XXXX XXXX XXXX as it has been handled directly with XXXX XXXX XXXX and nothing was paid to EAS, they should not be reporting any accounts on my credit reports. I sent them the proof that it had been paid in full and XXXX said they would notify EAS to notify the collection agencies to delete my files ( medical bill which is a HIPAA violation ) and update the credit bureaus. They will send me a confirmation letter. I never received a letter that confirmed that EAS confirmed my payment. I requested one on XX/XX/XXXX and was told we didnt send you one because you didnt ask for one.
I was told that they havent received anything in regards to this matter. This has been going on for over a month and Im the one thats suffering. Im in the middle of a pandemic and it would be extremely unfortunate if I were to die and my credit report still list this account on there at all because of a violation of my rights. Instead of EAS telling me what they havent received maybe they should refer to the HIPAA Compliance Office at the original creditor or familiarize themselves that under Federal Statutes. the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et seq ) and Texas Consumer Credit Statutes, and subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS 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 EAS. 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 XXXX ( HITECH Act ) as issued XX/XX/XXXX.
Additionally, I received a response from EAS stating " You did not respond for 8 months. We were assigned the account last XXXX and it wasn't paid until last month despite our calls and letters. It will be correctly updated as pif on your credit reports. '' It's already reported to my credit reports however, it should not be listed as dispute and it would be unsavory if I see that they updated ( for the second time ) and make remarks that I am disputing.
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| 04/29/2020 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This complaint is based on violations of the FDCPA and the FCRA by Eastern Account System ( Eastern ).
___ On XX/XX/XXXX, I reviewed my XXXX credit report and saw a collection account reported by Eastern for a {$65.00} medical debt. I only just discovered the account from my credit report. Eastern never sent me a letter with a notice that I had a right to dispute the debt.
___ On XX/XX/XXXX, I disputed the debt with Eastern by certified mail.
___ Eastern did not respond to my letter and did not validate the debt.
___ In my letter, I gave Eastern notice that I will also dispute the account with the credit bureaus. According to federal court decisions, if a debt collector verifies an account to a credit bureau before validating the debt, that is a violation of the FDCPA for failing to cease collection of the debt. Here is case law on this : Until the debt was verified, all further attempts to collect on the debt, including defendants XX/XX/XXXX letter and any subsequent reports to the credit reporting agencies, violated 1692g ( b ). Semper v. JBC Legal Group, 2005 WL 2172377, *4 ( W.D. Wash. 2005 ) [ emphasis added ].
___ On XX/XX/XXXX, I disputed the unverified Eastern account with XXXX.
___ On XX/XX/XXXX, XXXX sent me the results of the re-investigation. Eastern failed to cease collection of the debt because they falsely verified the unverified debt to a credit bureau.
___ Also according to federal court decisions, the failure of Eastern to provide account-level documentation to validate the debt means that they had no such materials to rely on when they verified the account to XXXX. Here is case law on this as well A jury could also find that because [ the debt collector ] retained the right to seek account-level documentation through its agreements with [ the creditors ] [ it ] behaved unreasonably when it reported the accounts as verified without first exercising those rights. Hinkle v. Midland Credit Management , Inc., et al No. 3:2013cv00033 ( S.D. Ga. 2015 ).
___ Based on the aforementioned facts, Eastern violated the FDCPA and FCRA.
___ ( a ) Violation of the FDCPA 15 USC 1692g ( b ) in that they failed to cease collection of the disputed and unverified debt.
___ ( b ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt.
___ ( c ) Violation of the FCRA 15 USC 1681s-2 ( b ) in that they failed to conduct a reasonable investigation of my dispute thru a credit reporting agency.
___ DAMAGES : I was denied credit due to the unverified collection account that Eastern wrongfully verified to a credit bureau.
___ RECOURSE : I spoke with a consumer lawyer about filing a complaint with the CFPB. He explained how to structure my complaint, and to contact him if my CFPB complaint does not resolve this matter.
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| 05/25/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX , WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IN XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXX , which you claim I owe {$320.00}. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX , you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that y ou may be lia ble for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , WA XXXX XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau
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| 08/21/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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It was recently reported on my account that I had a derogatory account with Eastern Connecticut Account. I have never received anything regarding a missing payment to my New York address. This is regarding an XXXX XXXX payment for XXXX dollars. This was a charge from XX/XX/XXXX, I had XXXX XXXX XXXX XXXX XXXX at the time as I was under my father’s insurance. I received a few phone calls in XX/XX/XXXX from *XXXX Fraud Alert #*, I obviously did not answer. I had a voicemail saying to please call and confirm a social security number. I XXXX Eastern Connecticut and saw extremely negative reviews. My concern regarding giving them my personal information only began to grow. When I called back I instructed the representative that they showed up on my phone as fraud. Then the representative began to instruct me on an XXXX XXXX debt. I asked from when was this from, they said XX/XX/XXXX. I asked her if XXXX XXXX put my insurance in. XXXX XXXX XXXX XXXX XXXX in and out of state number. I know that my insurance would have went through, as I had XXXX XXXX XXXX and had numerous bills that were all covered. I instructed her to reach out to the XXXX XXXX and try to submit the claim or call me back if there were any issues. I didn’t feel comfortable just making a payment to this organization, especially after the reviews and the type of infection I had during that time. When the organization never called me back, I assumed that the XXXX XXXX had taken care of it. After I got an update from my XXXX app on a negative report to my score, I saw it was Eastern Connecticut. I immediately called Eastern Connecticut, and left numerous Voice Mail Messages. I had one representative hang up on me multiple times, when I was trying to explain I don’t live in Connecticut. After finally getting through to one representative, I finally paid the XXXX dollars. I asked if they could send a report to your company saying they didn’t have my address and the person laughed at me over the phone. He said, “Why would I help your credit score”. He said, having a phone number is sufficient enough to report someone as a derogatory account. This organization is taking advantage of people and I don’t want my credit report to be negatively reflected by this. XXXX even reported their entity as fraud. I did pay this organization, however extremely reluctantly. I have attached a copy of the receipt. Please, if your organization can update my credit score and remove this derogatory account information. I have never missed a payment on any of my accounts. I have a number of student loans that I’m trying to pay off, and this negative credit score will hurt my future in receiving a lower interest rate.
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| 08/12/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Additional information after receiving feedback- CFPB complaint # XXXX XXXXA supervisor hasnt called me. I will provide a copy of my phone record. I request this account to be removed from my credit report until document of debt is received from company. My phone number is XXXX I advised XXXX the phone number she gave wasnt my phone number. I agree I asked XXXX only about a pay to delete because of the tone of the call and XXXX implying that I was argumentative. No where in my initial complaint did I say I discussed removal from credit report. This complaint is to request removal from my credit report until I receive correspondence about the debt. I wasnt given the opportunity to resolve debt because the only correspondence was conveniently sent to the wrong address and when the company obtained the correct address no attempt was made to collect the debt. I am requesting the collection process to be reaged to allow the company to reissue the letter and allow me to resolve the account within the 45 days offered in the initial letter. XXXX informed me debtors have 45 days to take action before credit reporting after the letter is sent. Had the company reissued the letter after the correct address was found 1 day after they obtained acct this matter wouldve gotten resolved. This appears to violate FDCPA. I wasnt given a 30day opportunity to resolve or dispute the debt and the company states they updated to my correct address within 24 hours of of obtaining account. XXXX stated the got my correct address from skip tracing, and nothing was returned to sender from the incorrect address. A simple XXXX search of my name and previous city gives my phone number and agent said they tried to call me and I advised number on file not my phone number ; since a skip trace was conducted 1 day after the company obtained account my new phone number was also found and no attempt was made to call. Considering the timeframe between the company receiving account from XXXX and them obtaining my correct information via skip trace, I am asking the creditor to reage the debt to the original 45 days from notification as per the terms of the original letter to allow adequate time for resolution. It appears unethical and intentional that no effort was made to use correct information was gained via skip trace, especially considering the purpose of skip tracing is to locate, notify, and collect debt ; especially suspicious if my credit profile was accessed through skip trace. If my credit profile has been accessed by this debtor it would appear that debtor avoided using contact information to create urgency for payment because I have a 100 % payment history.
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| 08/01/2022 |
Yes |
- Debt collection
- Medical debt
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- Communication tactics
- Frequent or repeated calls
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Web |
Servicemember |
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Eastern Acct Sys : The account was placed in a collection without any notification by mail. Eastern Account System did not send notices to my address listed at any time all correspondence would be received and addressed accordingly. If I had moved, all mail would have been forwarded to my XXXX XXXX or my address which I have not received not one letter. On XX/XX/XXXX ( date provided for a billing date by XXXX XXXX XX/XX/XXXX. This bill was cooked up with to harass me and to XXXX me over for money I do owed. The original creditor did not contact me prior to placing me on a collection, If I owed a medical bill it would have been paid by my insurance that was verified. Eastern Account System contacted me with several threatening calls, I hung up the phone on the threats. Eastern Acct Sys did not send me any written notices of account would be reported to the credit bureau. No attempts was made at any times by mail only threats by phone which I did received several harassing and threatening calls from the collection agency, my response was that I do not owe you all and please stop threatening me about suing me for something that I do not owe. I did not deserved to be harassed for any bill. I disputed the debt several times directly with the credit bureaus, and requested a validation verification which was not sent tome to verify the debt. No other communications were received by the Collection agency. There is absolutely no unpaid medical bills due on my behalf which can verified with the hospital. I filed a validation of debt with the credit bureau in XXXX no response to the validation letter. In addition, I have a primary and a secondary Insurance which all or any medical bills would have been paid. This company is running a scam to receive money not owe. I reached out to the original credited who stated I do not owe them anything. The collection agent stated that I had a procedure to my chest ; if I had this would be a Hippa violation to release any medical information. I will file with Hippa prior to court action.
Statement was sent to XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Dear XXXX Credit Reporting Agency , Please provide evidence that the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information. In addition please validate and provide me with the original contracts for the following listed below.
Eastern Account Systems, Inc Acct Number : XXXX This letter was sent to XXXX on XX/XX/XXXX I requested a validation to be provided, I have not received any evidence confirming a bill,
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| 11/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES!
Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC XXXXdentity Theft Victims Complaint & Affidavit XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX AV XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account XXXX : XXXX : XXXX XXXX 13. The following personal information is incorrect Account Number : Employers : XXXX XXXX I XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX XXXX XXXX XXXX Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
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| 04/13/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX, CT XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked informati
on.
The reference items are listed below please take this matter very serious EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX, CT XXXX
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| 03/26/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX, CT XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX, CT XXXX
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| 04/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have attempted numerous times to have information regarding a collections account removed from my account. This account has been on my credit report for nearly 6 years now incorrectly. I have attempted to resolve this with both the company and XXXX credit agency to no avail. My problems with the account are that I have never owed this company or XXXX any money. I have also never paid either of these companies any money for resolution of this issue. This company had 2 collection accounts on my credit report from XXXX. My most recent attempts at resolving this started approximately XX/XX/XXXX at which time I contacted eastern account systems. I called them and asked what this debt was regarding. The customer service agent, who did not give his name, stated there was no account listed under either my name or social security number and that his company did not do collections for XXXX. I then called XXXX and opened a dispute on XX/XX/XXXX regarding both accounts listed in collections. On XX/XX/XXXX I received an update in my XXXX account that the account was deleted. Upon review on one of the two were deleted. On XX/XX/XXXX XXXX I called for follow up and was told that the account noted the information regarding the remaining account was to be deleted with 72 business hours and if it still remained to call back. I called XXXX again on XX/XX/XXXX at which time the representative told me that there were no notes on the account regarding the remaining account from eastern account systems and that the company had said the collection data would stay on my report. Following that conversation I called Eastern account systems who miraculously was then able to locate the account. I asked when and where notice of this account was sent. The reply was notices were mailed to an address I do not and have not lived at. These notices were mailed on XX/XX/XXXX and XX/XX/XXXX of XXXX. It should be noted that the notices were sent after the collections account was opened, which I do not understand. I explained to them that I have never received notice of this and only found out about it when I obtained a credit report for myself. I was never notified of the debt nor was a debt verification ever done. I explained to the customer representative, XXXX XXXX, these facts and the fact that one of the accounts was removed from my account for be inaccurate to which he replied I was not telling the truth. I have attached copies of tax return cover pages with my address for the years XXXX showing that's not my address and that I would have never received notice about a debt that was not mine
|
| 12/13/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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This complaint is based on violations of the FDCPA and the FCRA by the Respondent.
___ On XX/XX/2019, I reviewed my credit reports and saw a newly reported collection account by the respondent regarding an alleged medical debt. This was the very first time I discovered the alleged debt. The respondent never mailed me an initial letter, and did not instruct me of my right to dispute the debt as required by the FDCPA.
___ On XX/XX/2019, I disputed the debt directly with the respondent in writing. In my letter, I requested only a few of the materials in the CFPB standardized dispute letter for the respondent to validate the debt. Attached please find a copy of my certified letter to this complaint.
___ At no time did the respondent validate the debt, or even provide me with the name of the creditor, or the amount owed.
___ On XX/XX/2019, I then disputed the account thru the credit reporting agencies. In my dispute, I stated that I had no knowledge of the account, and that the respondent failed to validate the debt as required by the FDCPA.
___ On XX/XX/2019, I received the results of the investigation from the credit reporting agencies, where the respondent failed to cease collection of the debt, as they falsely verified the unsubstantiated debt to the credit reporting agencies.
___ The respondents failure to validate the debt can only be construed that they have no materials to rely upon to tell any credit bureau that they verified the account.
___ It is well settled case law that a debt collector who allegedly verifies information to a credit reporting agency without account-level documentation in their possession is in violation of the section 1681s-2 ( b ) of the Fair Credit Reporting Act. See Hinkle v. Midland Credit Management , Inc, No. 3:2013cv00033 ( S.D. Ga. 2015 ).
___Based on the aforementioned facts ( and supported by the attached Exhibit ), the respondent engaged in following wrongful conduct : ___ ( a ) Violation of the FDCPA 15 USC 1692g in that they have continued collection activity while failing to validate the debt.
___ ( d ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt.
___ ( c ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( A ) in that they failed to conduct a reasonable investigation of my dispute to the credit reporting agencies.
___ ( d ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( E ) in that they failed to modify, delete, and/or permanently block the reporting of inaccurate or unverifiable information on my credit reports.
|
| 03/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I have resided in the State of Texas since XX/XX/XXXX and maintain cellphone service in Texas.
On XX/XX/XXXX, I received a collections letter by mail from a debt collector called XXXX XXXX XXXX ( XXXX ), who was working on behalf of XXXX XXXX, a XXXX company.
The collections was for unpaid cellular services in the state of Georgia and opened to someone at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX.
XXXX said the balance was {$2900.00}. XXXX said it was XXXX. Either way, I didn't open the account. I spent several months trying to get assistance from XXXX and XXXX to remove this collection account from my credit report, but neither was being helpful or quick. On XX/XX/XXXX XXXX at XXXX advised me to get a police report and send it to XXXX, which I did. XXXX insisted this wasn't enough proof of fraud. I then worked with the 3 major credit bureaus XXXX, XXXX and XXXX XXXX to remove the collections account. Unfortunately, XXXX is being persistent in trying to force me to pay for a fraudulently opened account and this item is back on my credit report now for {$250.00} with a new collection company called Eastern Account SYS.
XXXX won't remove the debt and each time there is a new excuse. I have provided tons of personal information that as a fraud victim I am unhappy to have to share including FULL social security number, bank statements, mortgage statements, deed, car insurance and each time they've come back wanting something else because I don't have any utility bills in my name.
Xfinity/Comcast is at fault because they admitted to opening this account without any proper identity and address verification. The customer service agent who gave me the account number and address advised that XXXX has a practice of sending sales reps to apartment complexes and opening accounts on the spot without any verification. I am a victim of their poor business practices and now they are insisting on holding me accountable for their mistake. I have submitted all requested documents 4 times to no avail. This last time they said the docs I sent timed out.
This business needs to be held accountable for poor due diligence at account opening and even worse fraud handling processes. I am tired of being pushed around. My near XXXX XXXX XXXX is damaged and I have been denied access to start up business credit twice due to their greed and poor business practices. They should be fined and have to pay restitution to me and all other impacted consumers for the inconvenience and damage to our finances and personal lives. Please help me.
|
| 01/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
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XX/XX/XXXX I spoke to a XXXX ( internet, tv, phone provider, my acct # XXXX ) rep to close account and update forwarding address. I was told account was closed, the last payment of {$58.00} was paid in full, confirmed also with automated phone system. The necessary final steps : I was to mail back modem box and all transactions were complete. I was given confirmation # XXXX, no further action from me needed to be taken.
XX/XX/XXXX I received email from XXXX XXXX stating my credit score changed per XXXX report, dropping XXXX XXXX due to negative action. I had been reported to the credit bureau for an account that was unpaid and in collections, the original creditor was XXXX.
XX/XX/XXXX submitted request for my free credit report from the 3 credit bureaus through the government 's website. I found 2 of the 3 reports had a negative report from a collections account.
XX/XX/XXXX contacted XXXX requesting information as to why I was in collections. I was given explanation to a past due amount of {$94.00} accrued when auto draft was not received due to a stolen debit card. I explained I was told there was no balance on XX/XX/XXXX and I explained I provided a forwarding address and was not notified of an owed balance OR warned of collection threat. I am willing to pay money I owe and offered to pay. It was explained they could not take money as my debt had been passed to a collection agency. I was given XXXX, an automated revolving system with no assistance available. XXXX would not provide a name of the collections agency, only a number.
I went through my monthly accounting and filed bills and statements for any confirmation. I then went through my junk mail from the month of XXXX. I found a letter from Eastern Account System of Connecticut , Inc . Upon opening the letter XX/XX/XXXX, I found I was sent to collections by XXXX on XX/XX/XXXX and had until XX/XX/XXXX to dispute or pay the amount. XXXX did not make any attempts to the forwarding address and only 1 attempt by the collection agency, a company I had never heard of.
Due to the federal holiday, I was unable to speak to any representatives. I logged into EasternAccount.com and paid the amount owed.
I am filing this complaint against both XXXX and Eastern Account System of Connecticut, INC as this is an issue of not being properly warned resulting in rash and unneccesary actions taken by 2 companies without regard to the affect it would have. I was not given proper notice I owed money to XXXX or given the opportunity to make any required payments.
|
| 03/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Older American |
|
Reference : XXXX ( www.easternaccounts.com ) Greetings, good morning.
I come to you for help since the XXXX XXXX people will not let me live in the peace that I need as a XXXX senior citizen.
On XX/XX/XXXX of last year I moved to this community looking for the peace that I did not have in XXXX XXXX.
I called XXXX to get cable and internet. Before doing so, I asked some neighbors what Wifi signal worked well in this property XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ).
They recommended XXXX. I called and they immediately opened my account # XXXX. The next day I had the mandatory installation equipment delivered to my apartment door by XXXX.
From the same day I called I had a fast signal on my cell phone ( XXXX XXXX XXXX ).
It wasn't a week later when I called them complaining that my cell phone signal was too poor.
Then, they told me that they would transfer me to XXXX. Then, I told them that I had not done business with XXXX, that it was with them. They told me that the signal in this community was poor. The next day I had XXXX equipment at my apartment door.
And there began the second part of my agony with these intransigent and insensitive people. They started charging me for the first month of the poor service I had for a couple of days. I have evidence in my possession ( Available at your request ) that shows that since XXXX of last year it has been a tireless struggle with these people.
In every collection call for not delivering their XXXX equipment I explain to them that I live alone, I am an old man who can hardly walk and I have no means of transportation either. In each of these calls either made by me or by them, they can't understand how they themselves have transferred me to the competition.
The thing is that to end the long story for the moment in the last call I was told that the next day XXXX people would come to pick up the equipment. It's been over a month now and the last thing I received a few days ago is a collection letter from Eastern Account System of Connecticut , Inc .
In this letter they are threatening me that I have until XX/XX/2023 to pay the bill. I have been taking care of my credit for decades and maintain an empirical of about XXXX.
ISN'T IT STRANGE THAT XXXX XXXX OPENED AN ACCOUNT FOR ME WITHOUT ME APPLYING FOR IT WITH THEIR COMPETITOR?
I hope you can help me continue to keep my credit spotless and can do a thorough investigation into this strange occurrence.
|
| 08/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 12/29/2023 |
Yes |
- Debt collection
- Telecommunications debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I have a separate issue with the company ( wow! internet ) that sent the debt for collection, and it looks like this is what they do. They create environment impossible for customer to resolve ( paying the account by deleting the account, then force you to call into company where you are transferred multiple times, or the " system can't accept payments, then when you get to someone that can take payment the account is not in the system anymore ) then they send this bill to collections.
This is where my story begins with Eastern Account System, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT.
I was contacted by one of their representatives who initially said he worked for XXXXXXXX internet/Cable. I was excited because this was the 1st time XXXXXXXX have got me in contact with someone that could take payment after 3 months of trying to contact them and get with a representative that could accept a credit card payment. ( this account was setup with auto payment, but that stopped when I wanted to cancel services ). After a while into the conversation he then mentioned he was with a debt collector FOR XXXX and not actually a XXXX employee.
So then I was put off a little not knowing they would do that when all the while I had been trying to pay my bill. So I asked if this would go on my credit since I had been trying to pay this. He said if I paid that day that I would not have my credit be negatively impacted.
I did so immediately and without hesitation.
I did not think of it after that or check the payment for it until I got ANOTHER call from this credit collector 3 months later in XXXX. When they told me that the bill still had not been paid, and that since it was 3 months after the initial call that it would show up on my credit.
When asked they could not provide any information about the initial call, but said they had reached out. They could not tell who made the call or anything specific ( recording ) but said they had contacted me.
This is on my report, and I have tried to pay to have it removed, but those attempts have failed. To me this seems like a shake down. XXXX involved with Eastern Account system creates environment where customer can not pay bill. Send to Collection where Eartern Account creates environment where customer get dinged on credit reports. Customer pays company to get resolved.
Thank you for you time. I appreciate any assistance and guidance you can provide.
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| 09/17/2020 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX, XXXX XXXX XXXX, EASTERN ACCOUNT SYSTEM, XXXX XXXX, XXXX XXXX I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.
I respectfully request each investigation to be reported to XXXX XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances.
XXXX XXXX
|
| 12/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX hired a collection agency to collect a debt I did not owe. The notice I received from the collection agency, Eastern Account System of Connecticut XXXX Inc. was intimidating. The Notice said the debt would be " valid '' if I did not contact the agency, during office hours ( XXXX XXXX to dispute the debt within 30 days. Instead of calling the collection agency, I called XXXX.
On XXXX XXXX, I called XXXX and was told by the first XXXX rep that the debt was valid, despite the fact that notes in XXXX 's own records showed that ( i ) I had cancelled service with XXXX on XXXX XXXX and ( ii ) this was within 30 days of initiating service with XXXX on XXXX XXXX. I told the first XXXX rep I did not have an outstanding balance. He told me the records showed that I did have an outstanding balance, and refused to allow me to speak with a manager. Instead, he said I would receive an email within 48 hours with a final decision by a XXXX manager. I never received any such email from XXXX.
A week later, on XXXX XXXX, I once again called XXXX to dispute the charge. I spoke with a second XXXX rep and once again was told the debt was still valid. He told me there was nothing that could be done over the phone and that I had to travel to my local XXXX office to try and dispute the charge. As I was asking for information about notes that XXXX had made in the account, he disconnected the line without any notification and my call was re-routed to the regular XXXX customer service answering service. After going through the entire customer service process for a fourth time, I was finally connected with a third XXXX rep, who after reviewing the notes told me XXXX agreed I had canceled the service within 30 days, there was no outstanding balance, and I would be receiving a letter in the mail confirming as much.
Companies like XXXX should not be able to treat customers this way. The company makes it very easy to set up service, even promising to allow customers to cancel service at no charge within 30 days. Then, after a customer cancels the service, XXXX bills the customer anyway, refers them to a collection agency, hangs up on them when they call to dispute the charge, and makes them spend hours of their own time before finally relenting. This is consumer fraud and is wrong. Please help protect me and other Americans from these sorts of practices by XXXX.
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| 07/08/2022 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
EASTERN ACCOUNT SYST XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX XXXX Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
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| 04/26/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XXXX/XXXX/XXXX I've contacted Eastern Standard Account via USPS mail tracking number being ( XXXX XXXX XXXX XXXX XXXX ) which was received XX/XX/2023 at XXXX ; XXXX XXXX. I'm requesting that they provide me notice of validation of debt pursuant to 12 CFR 1006.34a ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication ; which this company didn't do. Pursuant to 12 CFR 1006.34c ( 1 ) DEBT COLLECTOR COMMUNICATION DISCLOSURE.1. Statement required by 1006.18 ( e ). The statement required by 1006.18 ( e ) .Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ). The following example illustrates the rule : i. ABC debt collector has an initial communication with the consumer by telephone. Within five days of that initial communication, ABC debt collector sends the consumer a validation notice using Model Form B1 in appendix B to this part. ABC debt collector has complied with 1006.34 ( c ) ( 1 ) even though Model Form B1 includes the disclosure described in 1006.18 ( e ) ( 1 ) rather than the disclosure described in 1006.18 ( e ) ( 2 ).
|
| 11/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Older American |
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Received a collection notice from Eastern Account System Inc. stating that I owed {$1700.00}. to XXXX XXXX XXXX XXXX XXXX XXXX. They did not send me an actual bill. I wrote them a certified letter that rquested to see the actual bill, since I was never sent this bill from XXXX and had never seen this bill or received notice of it. They sent me a generic bill with no info other than an account number and the amount of {$1700.00} written on it. I refuted this piece of paper, since it was not an actual bill. Then I got in touch with XXXX billing by certified letter and they refused to send me the original bill, even though they could clearly read it on their computer. In the interim, I was able to locate the actual bill on my computer, which stated that I, in fact did not owe the {$1700.00}! I contacted the Public Service Commission, who started an investigation. I was called back by XXXX, who stated that they were willing to help. I sent them the original bill via email. They called me back and told me that " they were pulling the bill. '' I have a voicemail that I saved from them stating this. The woman I spoke to was XXXX, her phone # XXXX. I was told that she was " senior staff ''. I sent all this info to Eastern Acct system, along with the original bill that stated that the {$1700.00} was not owed, then I wrote disputes to all credit reporting agencies, including all pertinent info attached. My dispute was not resolved by Eastern Acct System, and they reconfirmed the debt on my credit to XXXX. My efforts at speaking to Eastern Acct system, were totally fruitless, everyone that I spoke to refused to acknowledge what I was saying to them, and when I asked to send proof that I did not owe the debt, they hung up on me. The facts are as follows : I do not owe {$1700.00} to XXXX, I have NEVER received a bill from XXXX for {$1700.00} from XXXX, then this collection agency calls me and tells me that I owe that amount, and puts it on my credit. I called XXXX at XXXX today, who told me that she could no longer speak to me, and that she did " pull the bill. '' I possess the actual bill that states that I do not owe this amount. XXXX will not acknowledge my proof, and refuses to remove this from my credit
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| 11/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
|
| 11/22/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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I used the XXXX 's internet serviced by XXXX since XX/XX/XXXX and charged at less than {$20.00} per month by yearly contract and paid all the bill on time except the last statement in XX/XX/XXXX when I need stop the internet service due to relocation. I called XXXX to stop my service and they agreed to bill me the balance to my new address. After two months, I got the statements over {$40.00} plus the late fee of {$60.00}, so the total balance on the last statement is {$100.00}. I complained to XXXX asking them how my last statement increased from {$20.00} to {$100.00}. The representatives said I didn't paid the last two months. I explained to them my online account is inaccessible due to the closure and I didn't receive the bill until two months later. I disputed firstly the late payment fee of {$60.00}, which is not my faulty, secondly is the final statement of over {$40.00}. while I didn't get the reasonable explanation or reconcilable solution for my statement. XXXX ( XXXX ) just sold this disputing statement to the third party debt collector twice. The first debt collector report my collection to XXXX and XXXX and I called debt collector, XXXX and XXXX and my disputes result was this debt collection record was removed from my credit report. However, this debt was sold to Eastern Account system and they report to XXXX and XXXX again. XXXX clear this report but XXXX didn't clear this report and indicate this record is correct. I can't agree for this dispute results and they just suggested me to file the complaint on CFPB 's website.
I want to complain XXXX 's billing system is very tricky and always overcharged the customers. During my 3-year contract with XXXX, I've complained they're overcharging for numerous times. XXXX, by virtue of its monopoly status as the only internet service provider in the neighborhood, always billed the wrong statements based on their unfairness clause in the contract, as the consumer, we have no other choice but paying the buckets since it really wastes time and effort to argue with them. Please do investigate XXXX 's billing system. I'm not the only one overcharged or misstatement on the bills.
|
| 09/29/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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Credit reporting agencys XXXX RE ; Eastern Account systems of Connecticut And XXXX XXXX XXXX A letter and documents provided to dispute the debt claimed owed by Eastern Account systems of Connecticut acting on behalf of XXXX XXXX XXXX was sent to Transunion on XX/XX/2018. Additionally, complaints in regards to multiple FCRA violations as well as violations of Texas deceptive trade act by the above mentioned companys have also been mailed to the following agencies ; Texas Attorney General and the Consumer Financial Protection Bureau. For your record this letter is being sent certified mail and copys of all documents will be kept should they be needed for an FCRA complaint against any participating credit reporting agencies who fail to remove this false debt immediately.
Eastern account systems has changed the disputed debt to collection paid instead of removing the disputed medical debt ( ( that was never in fact owed in the first place ) ) This medical disputed debt was entirely the responsibility of XXXX XXXX insurance and XXXX XXXX. There was no balance owed ever by myself at any time. There should never have been any attempt to collect what so ever and this needs to be removed entirely from my credit report as it was not a paid collection, it was a disputed debt because it was never owed at all.
I expect this item removed from my credit report immediately and an updated copy of my report sent to me or I will be seeking legal representation and filling a Lawsuit under FCRA violations against XXXX as well as Eastern Account Systems in federal court since it would be there jurisdiction. I will be seeking damages as well as attorney fees In XXXX willful negligence in there failure to comply with FCRA.
There is absolutely no excuse and intent is implied to willfully harm me since every single document provided to XXXX goes above and beyond to prove a debt was never owed therefore in XXXX forcing this proven inaccurate debt to stay on my report by inaccurately representing it as a paid collection instead of removing it amounts to willfully being negligent as well as intent to harm. I expect your prompt resolution.
|
| 12/13/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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In XX/XX/XXXX, I contacted XXXX about transferring internet service to a new address due to an upcoming move. I was told they did not offer services at the new address. I told them the service needed to be disconnected on XX/XX/XXXX and I was told to return the equipment to the local office in which I did. I received statements in XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I called XXXX again and told the representative that I had moved and the service needed to be disconnected. Instead it was sent to a collection agency. I do not recall the first collection agency but was told the {$240.00} was for the equipment in which I returned to the drop box. XXXX were not allowing customers inside the building due to the pandemic. There were no other customers there at the time and I witnessed a worker taking the equipment out of the dropbox. The agency told me they would contact XXXX to let them know. I started receiving letters from Eastern Account Systems and contacted them who states the XXXX is a past due balance. I informed them that I moved XX/XX/XXXX and paid the last bill the month I moved. This balance was reported to all 3 credit reporting agencies. XXXX removed when I disputed. However, I have disputed 3 times with XXXX and it has not been removed. I have not heard back from XXXX as of yet. I spoke with Eastern Account Systems XX/XX/XXXX and they are refusing to acknowledge that I do not owe the bill. I spoke with a XXXX representative on XX/XX/XXXX and was told they continued to bill me throughout XX/XX/XXXX and they disconnected due to nonpayment. I told the representative that I told them XXXX and XX/XX/XXXX that I was moving & had moved and they still did not disconnect as requested. The representative told me it is not documented that I asked for disconnection so therefore the debt is valid. XXXX submitted bills to my new address on the XXXX and XX/XX/XXXX attached statements. Not only did I tell them to disconnect but they also had my new address so knew I had moved. I need for XXXX to acknowledge the error on their part and remove this from my credit reports.
|
| 08/31/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Since XX/XX/XXXX I have been disputing a debt with XXXX XXXX XXXX for a termination fee of {$150.00}. I was charged this fee after speaking to two representatives that said I would not be charged a fee at all. I tried to dispute this for months and was told that they are aware of the representative telling me this but tried to make it hard for me to remove it from my account. I asked numerous times for this debt to be deleted before it was sent to collections. On XX/XX/XXXX I spoke to someone claiming to be a supervisor at XXXX ( ID : XXXX ). I was told that the charge would be reversed and she would stop it from going to collections.I asked for a letter or email to be sent to summarize what we went over for that call and was told that they would not be able to do that. However, on XX/XX/XXXX I saw that there was a charge to my credit report of {$150.00} for the collections sent from XXXX to Eastern Account System Inc. I called XXXX once again and found at that they did balance my account to {$0.00} but they had not made any attempt to stop it from collections because it was already sent to collections in XXXX which I was not told on the call from XX/XX/XXXX. I was told to call collections to handle it with them. I called XXXX again XX/XX/XXXX to check my balance and realized that it was closed out and told them it had been sent to collections. I was hung up on twice by two different representatives! When I called collections on XX/XX/XXXX, I was told that XXXX has not cancelled the collections attempt and they would send over a notice to XXXX to verify this information.Though the collections agent did tell me that they usually update them daily. Today, XX/XX/XXXX I called the collections agency to check the status of the charge and was told XXXX has yet to respond to the notice. I have been trying to dispute this fraudulent charge since XXXX and have been lied to by XXXX numerous times. I am upset that it was taken to collections despite numerous phone calls where it was confirmed that the representative said I would not receive a termination fee.
|
| 12/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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|
Living in XXXX and moving to XXXX I cancelled my XXXX account and paid my final bill at the end of XX/XX/XXXX and returned all of my equipment back to XXXX right before and around the third week of XX/XX/XXXX. In XX/XX/XXXX XXXX contacted me to say they were missing some of my equipment. I told them I returned it all and they finally found it all because then in early XX/XX/XXXX XXXX was no longer looking for the equipment they said I never returned but now I owed them another XXXX somehow. The bill was sent to my new address in XXXX and done so two months after I had cancelled this account, returned all equipment and paid my final bill. This billing statement was from XXXX and not a debt collection firm dated on XX/XX/XXXX. Throughout XXXX I have been calling XXXX to ask them what this additional monies owed is for as the billing statement provides no information other than an amount of XXXXXXXX owed. I asked XXXX on XX/XX/XXXX and XX/XX/XXXX to send me my full billing statement so I can understand fully what is being charged and why and instead I was literally sent to collections on XX/XX/XXXX and was called today XX/XX/XXXX by XXXX Account XXXX about this bill for XXXX that I had paid on XX/XX/XXXX. So, even though XXXX has not has not send me a full account and billing statements I paid this disputed outstanding amount on XX/XX/XXXX the same exact day XXXX sent me to this collections agency. XXXX did not answer any questions, were deceptive, provided statements with no information explaining the bill owed and then sent this account for XXXX to collections ON THE SAME DAY I PAID DIRECTLY WITH XXXX. I have great credit and have " Y '' on everything single line item for decades yet XXXX is using deceptive and dishonest business practices, giving undue stress to customers while not substantiating the bill / monies supposedly owed. XXXX has been a horrible company to deal with and similar things have happened to other friends of ours where XXXX plays these deceptive and dishonest business practices.
|
| 12/14/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Hi, In XXXX of XXXX my identity was stolen and used to start and open an account with XXXX internet an T.V. services for monthly high speed internet in the XXXX Missouri area. I believe the internet service charge was for roughly {$30.00} dollars a month. from what I understand, the Internet Installer Technician went to the thieves home/apartment around the end of XXXX XXXX, installed the internet service from XXXX, and then left, without asking to see an I.D . to verify my Identity, or some kind of proof of a new customer account.
And he also did not get a credit/debit card from the customer, or any kind of payment at all. and apparently all they needed was my name and information and thats all it took to create this internet account.
I was living in XXXX Missouri from XXXX XXXX until the end of XXXX XXXX doing out of state work with my construction company, but aside from that I have no connection to Missouri or XXXX internet services.
I did not find out until several months later that all of this had happened under my information. I found out because I received a call around XXXX XXXX from a credit collection company saying I owed them {$140.00}. I informed him that it was not me that had started that account and that someone must have stolen my identity to do it. He said there was nothing he, or XXXX, could do and that I was responsible for the balance of {$140.00}. Ive never dealt with Identity theft, or been delinquent on any payments in my life, so I told him I 'm not going to pay the {$140.00} because it was n't me. and that if XXXX has a problem with that they can call me.
I never received and calls from XXXX. however, I started to receive more then 8 calls a day from creditors demanding that I owed them {$140.00} in fees and charges. It was out of control. I kept telling them that it was n't me, and i had no idea until now, that you could actually dispute the charges. I also asked repeatedly to be put on the DNC, or Do Not Call list, and still i kept receiving phone calls.
|
| 03/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The Easternaccos debt collector responded to the CFPB complaint. Complaint number # XXXX states that they place all phone calls during the allowed hours the CFPB gives. Pursuant 1692b ( 2 ) states that you are not allowed to speak directly or indirectly with a consumer without their consent. Also, it is an infringement on a consumers right to privacy. When you call and I Answer, you ask to speak with the consumer. According to 1692b ( 2 ), youre not allowed to speak directly or indirectly with a consumer. To go deep into the context of what you said about calling is permitted.
According to 15 USC 1692a ( 2 ), communication means conveying information regarding a debt directly or indirectly to any person in any medium. As per the literal interpretation, any medium includes any oral, written, electronic, or other medium.
Therefore, furnishing the consumer report ( bearing information regarding the alleged debt ) by the company will amount to communication as per the fair debt collection practices act ( FDCPA ) Easternaccos Debt collector stated that there was no violation when the calls were placed.
Pursuant to 15 USC 1692a ( 2 ) clearly states that you have violated my rights. I will attach a copy of the FCRA STATES YOU FAILED TO SEND me the validation I requested along with the cease and desist letter I mailed to you using USPS for the alleged debt that is furnished on my credit report. How do I know you received all the documents that were sent to you because you responded to the CFPB complaint and stated that you received the letter on XX/XX/2023.
I submitted a validation letter along with a cease and desist letter on XX/XX/2023 and Easternaccos debt collector failed to acknowledge or submitted what the validation requested. That is a violation of my right under ( FDCPA ). I am asking for these invalidated debts and unverified debts to be removed from my consumer credit report immediately and effectively.
Down below you will find a copy of all documents
|
| 04/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
The following collection agencies Eastern Account System, XXXX XXXX, XXXX XXXX XXXX XXXX has reported 3 collection accounts on my credit report on XX/XX/21 on XXXX XXXX on XXXX and XXXX for {$200.00} XX/XX/XXXXOn XXXX XX/XX/21 on XXXX and XXXX for {$700.00} XXXXon XXXX XXXX on XXXX and XXXX for {$79.00} XXXX has voilated my right as a federally protected comusmer under 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XX/XX/XXXXand beforeXX/XX/XXXX, local time at the consumers location ; Eastern Account System, XXXX XXXX, XXXX XXXX XXXX XXXX was not given consent directly from me the consumer nor provided express permission of a court of competent jurisdiction.
Eastern Account System, XXXX XXXX, XXXX XXXX XXXX XXXX has voilated 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
They have damage my reputation by reporting to my credit report oppressing me from receiving services or goods causing harm to the physical person by having me work excessive hours of overtime at work.
|
| 03/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The Easternaccos debt collector responded to the CFPB complaint. Complaint number # XXXX states that they place all phone calls during the allowed hours the CFPB gives. Pursuant 1692b ( 2 ) states that you are not allowed to speak directly or indirectly with a consumer without their consent. Also, it is an infringement on a consumers right to privacy. When you call and I Answer, you ask to speak with the consumer. According to 1692b ( 2 ), youre not allowed to speak directly or indirectly with a consumer. To go deep into the context of what you said about calling is permitted. According to 15 USC 1692a ( 2 ), communication means conveying information regarding a debt directly or indirectly to any person in any medium. As per the literal interpretation, any medium includes any oral, written, electronic, or other medium. Therefore, furnishing the consumer report ( bearing information regarding the alleged debt ) by the company will amount to communication as per the fair debt collection practices act ( FDCPA ) Easternaccos Debt collector stated that there was no violation when the calls were placed. Pursuant to 15 USC 1692a ( 2 ) clearly states that you have violated my rights. I will attach a copy of the FCRA STATES YOU FAILED TO SEND me the validation I requested along with the cease and desist letter I mailed to you using USPS for the alleged debt that is furnished on my credit report. How do I know you received all the documents that were sent to you because you responded to the CFPB complaint and stated that you received the letter on XX/XX/2023. I submitted a validation letter along with a cease and desist letter on XX/XX/2023 and Easternaccos debt collector failed to acknowledge or submitted what the validation requested. That is a violation of my right under ( FDCPA ). I am asking for these invalidated debts and unverified debts to be removed from my consumer credit report immediately and effectively. Down below you will find a copy of all documents
|
| 09/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I XXXX XXXX does have a legitimate dispute that the Federal Trade Commission should investigate. In XXXX, a resolution was presented to the United States XXXX labeled XXXX. This resolution was designed to specifically give permission for public utilities to post payment information against individuals for any public utility. This would have meant the redefining of the meaning of what credit was or represented. The Fair Credit Reporting Act was initiated and procured as federal law in XXXX XXXX to establish a level playing field between consumers and the XXXX system. Public utilities are regulated by XXXX throughout every state and in many cases municipalities throughout the country. XXXX failed to make it out of committee and was never voted upon. In retrospect, public utilities abuse the Fair Credit Reporting Act by using the credit reporting process, even though by law they are not entitled to it. Any mention contractually that a company such as XXXX could use my personal information such as my social security number to report anything against me would be a serious violation of my constitutional rights. The use of my information by transfer would need to be established in writing, and that in itself could cause problems against XXXX in class action proportions. Because of a delay in the transfer of cable/wireless equipment to XXXX, a transfer that contained no additional remuneration, XXXX decided to abuse my personal credit report by the transfer of my personal information such as my social security number. This in itself is nothing less than identity theft. Accordingly, my file information from XXXX and the collection agency known as Eastern Account System needs to be purged immediately and permanently. I make my identity theft claim based upon the transfer of personal information XXXX had no right to share with any third party to begin with. My complaint is real and 100 % legitimate. My file information must be purged immediately and permanently.
|
| 08/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I, XXXX XXXX XXXX, am the natural person, filing this complaint. On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 60 days later I have not received a response yet. I am starting to believe that as a consumer, I am being taken advantage of and my disputes are being ignored. I never gave you authorization to add anything on there nor did I give any creditor authorization for you'll to add to my credit report and I want it removed now!! I WOULD LIKE TO SEE THE ORIGINAL APPLICATION NOT THE ORIGINAL CONTRACT, A FULL COMPLETE AUDIT TRAIL and if you CAN NOT PROVIDE ME WITH THIS, I WANT THOSE ACCOUNTS DELETED NOW!!! In Section 611 ( a ) it is plainly stated that a failure to investigate these items 30 days gives you a reason to immediately remove those items from my credit report it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. I don't understand why the XXXX I have to keep going back and forth with you people because you keep doing some illegal and unlawful stuff to my accounts on my credit report. I, XXXX XXXX XXXX, the federal protected consumer have already sent in all of the identification needed for authorization but I will upload them again for CFPB purposes. My information was also impacted by the XXXX and XXXX data breach and may have got into the hands of the wrong person. When I spoke to XXXX on XX/XX/2021, The representative lied and said that my DL, SSC and utility bill was NOT in my file and when I spoke to his supervisor, the supervisor said it WAS ON FILE. This is the stress I have to deal with because I'm afraid of my identity being stolen again! Plus, Under Regulation V, CRAs only need sufficient identifying information to match you to your credit profile : Name, Address, DOB. So I'm not giving you my ID, SSC, bank statement to utility bill again that can be stolen from your database again.
|
| 02/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I'm one of the owners of XXXX XXXX, we sell printers and plotters here in Michigan. We purchased a large plotter from XXXX XXXX XXXX in XXXX XXXX XXXX. We contracted with XXXX XXXX to pickup the plotter and deliver it to us as per their quote price. They were told what our loading bay was like and we told them that our hi-lo was broken so we would have to have liftgate delivery which is an addtional charge. We expected that they would back up to our standard bay and unload the machine into our warehouse. Instead they dropped it off in the parking lot and then using a pallet jack, rolled it into our warehouse. This is nothing unusual, happens frequently. At some point we get a message from them saying that there we extra charges involved. I contacted XXXX XXXX and they said that there was an additional charge of {$96.00} to have the driver roll the machine into the warehouse. The driver never mentioned that there would be an additional charge or we would have moved it ourselves. Since we are dealer for this equipment, we have technicians and pallet jacks to move this equipment around. XXXX XXXX said they would appeal the extra charge with their carrier which of course was denied. We then disputed the extra charge with XXXX and they ended up refunding the charge back to our corporate XXXX card, we thought that was the end of it..
In XXXX XXXX XXXXXXXX I became aware that my personal credit score dropped dramatically. On investigation I found that XXXX XXXX had Eastern Account Systems file a collection on me personally. I never personally had anything to do with this transaction and, in fact the only thing they had was my name relating to XXXX XXXX XXXX XXXX They improperly and illegally obatained my personal information including my home address, social security number, etc., I never provided them with any of this information and they have no signed agreement where I personally guaranteed to pay anyting related to XXXX XXXX.
|
| 08/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My name is XXXX XXXX I received my consumer reports and notice that this company is unlawfully reporting a collection account. I am demanding this collection agency to provide validation of debt pursuant to 12 CFR 1006.34a ( 1 ) ( a ) Validation information required. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication. Pursuant to 12 CFR 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.1. Statement required by 1006.18 ( e ). Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ).
|
| 04/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
This a notice of intent regarding the continued reporting of a debt owed to XXXX not to Eastern for ONE account NOT 2 as Eastern Account Services continues to report. In fact, XXXX shows not debt having been owed to them whatsoever with no record of me as a customer and have repeatedly attempted to sign me up for service.
In the cases of XXXX XXXX and XXXX XXXX and untold more, Eastern Account Systems continued to illegally report my accounts while in dispute with XXXX, XXXX and XXXX, which is a clear violation of the FDCPA punishable by fines and penalties. In the 2 cases I just referenced both cases found Eastern Account Systems guilty of violating the rights of the consumers and were fined as well as all costs paid to the plaintiffs. I would like for the CFPB to note my case in any future litigation and or class action lawsuits against Eastern Account Systems and for them to be forewarned that I intend on filing a lawsuit against them to include any fines, penalties and court costs allowed by law in addition to financial harm and damages due to my lower credit score and any lost opportunities that Eastern has directly caused me in their continuous and intentional reporting of 2 accounts instead of 1. they have blatantly and intentionally changed account names, statuses, dates and amounts over the course of 3 years with every credit bureau and I have records to prove. Since law is set by precedent I am confident that with my numerous records and history I will prevail in court. Eastern Account Systems should reevaluate their business model because all of these legal cases are costly and bad for business. Since they have cost me exceptional financial damages I want this to be record of another consumer who is going to exercise their rights under the law so that other consumers are not victimized by this company who cares only about the challenges of extorting money rather than the people behind their accounts.
|
| 12/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Eastern Account System Original Creditor : XXXX XXXX XXXX Open balance : XXXX After reviewing my credit profile. I identified this INACCURATE FRAUDULENT ACCOUNT under Eastern Account System. I have not received any correspondence from the creditor to validate this account is correctly belonging to me, nor has my credit report been updated to reflect this account is disputed and therefore a XXXX validation letter was sent out on this day, After reviewing credit report again on XX/XX/2022 there has been no updates and account is still reflecting on my report. This account does not belong to me nor does the creditor have authorization to access the account nor authorization to attempt to collect on this account and the account continues to negatively affect me.
At this time, I will also inform you that your offices have reported invalidated information to all XXXX credit bureaus ( XXXX, XXXX, and XXXX ) this action will constitute fraud under both Federal and State laws. Due to this fact. If any negative mark is found on any of my credit reports by your company that you represent I will not hesitate in brining LEGAL ACTIONS against you and your client for the following Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collections Act, and Defamation of Character.
15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C.
Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
|
| 11/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
I, XXXX XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with Those reporting agencies./// These company ( EASTERN ACCOUNT SYSTEM, XXXX XXXX XXXX, XXXX XXXX XXXX ) willfully violating the FCRA. Without my direct written consent these reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf./// Those reporting agencies based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// Those reporting agencies are harming my reputation, by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) Those reporting agencies need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by Those reporting agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) Those reporting agencies may NOT furnish negative information to my consumer credit report without with my written instruction. No consent is identity theft//// THEY NEED TO REMOVE AND DELETE THESE ACCOUNTS IMMEDIATELY from my consumer credit report. Failure to delete will result in immediate action in Federal District court, and I will be seeking damages under 15 USC 1681n
|
| 11/18/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Hello, Im shocked, surprised, stressed out both physically and mentally to find this XXXX collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him.
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
|
| 11/06/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On XX/XX/XXXX there was a debt collection owed in my name for {$250.00} for " XXXX '' internet services through eastern account system. This was an internet provider that I had used when I lived in Georgia from XX/XX/XXXX- XX/XX/XXXX. In XX/XX/XXXX I cancelled my internet plan and turned in my equipment and from that date to XX/XX/XXXX I was stationed in XXXX XXXX. I have never received any formal notice from the company or the debt collector that I owed this amount of {$250.00}. I used my banks credit score checker to see that I have never had any bad remarks on my records for years, this wasn't until I applied for my XXXX XXXX card in XX/XX/XXXX and saw that I was denied due to my FICO score being too low. While my banks credit score shows I was in the clear however, FICO showed a debt of almost 3 years unpaid. Since this discovery I paid the debt off immediately and tried to dispute the case through XXXX I have waited almost a month for the results to find out there are no changes to the report. I called Eastern Account System and told them the situation and since they told me I paid the debt there was nothing they can do about it. I believe this is unfair and unjust due to the fact that there was never any action taken for these companies to reach out to me. No phone call, email, or a mail to any of my addresses on my credit record. I called to see if I can dispute this case off of my credit report and they told me there is nothing they can do for me. I am writing this because I feel this is not fair, I have done everything to pay my bills and my credit cards off on time and this unpaid debt of 3 years is not a mistake of my own but the debt collector and the internet companies lack of communication with me. I can not show physical proof that these companies haven't reached out to me because there is no physical evidence whatsoever except for the case I created through XXXX.
|
| 08/08/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Eastern Account Systems , Inc. of CT closed out CFPB complaint XXXX, claiming it was a duplicate of complaint XXXX. However attached to XXXX were documents regarding its business activities in Michigan. Michigan law requires that outside firms register as foreign entity. Moreover, foreign entities engaging in activities that are regulated by the State of Michigan are also required to obtain a license in order to transact in their line of business/profession. According to the documentation attached to XXXX, Eastern Account Systems registered to transact business in Michigan and instead of stating the nature of their business akin to " any and all activities for which a firm may legally transact/conduct business in MI, '' their dumb-asses declared the field " Collection Agency, '' and then failed to register with the appropriate agency for a license to collect on debt within MI. records from the MI Department of Licensing and Regulatory Affairs ( XXXX ) show neither a current license for Eastern Account Systems to collect on alleged debts in MI, nor shows they have ever been licensed to do such in MI. Therefore, Eastern Account Systems is hereby advised they have been turned over to Michigan Bureau of Professional Licensing under complaint Record XXXX. Moreover, copies of this information are being furnished to the Michigan Office of the Attorney General, the CT Office of the Attorney General, the US Attorney 's Office for the XXXX XXXX XXXX Michigan, the Michigan Department for Civil Rights, and the Federal Trad Commission As I am someone that holds or has held security clearances, should Eastern Account Systems attempt to contact me in any way moving forward, I will report their attempts at contact to the FBI. Any and all attempts to contact my family, friends, acquaintances, employers, etc. regarding this alleged debt will result in legal action and will be reported to the FBI.
|
| 03/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him.
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
|
| 04/23/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a procedure at XXXX XXXX XX/XX/XXXX. The company never sent me a bill because they recorded my address incorrectly and did not double check their error. Sold my debt to Eastern Account System of Connecticut , Inc. ( Creditor XXXX ) I received a call, out of the blue, on XX/XX/XXXX from this company demanding payment for something I had no clue I owed. I advised I would be in touch with XXXX XXXX and sort out that debt. I spoke with XXXX XXXX the same day ( XXXX ) who advised they had the wrong address and did n't bother to cross check before sending to collections. She stated she would pull back the collection and send me a proper bill, which I stated I would pay.
The next call I receive is XX/XX/XXXX from the collection agency stating they are still owed. I explained my conversation with XXXX but he saw no note that the debt was pulled. It was late in the day Friday.
I spoke with XXXX at XXXX XXXX on XX/XX/XXXX who stated that XXXX did pull the collection back but did not reset the cycle and it was sent back to collections. She advised she would have her manager ( XXXX ) call the debt collector to explain/remove. I sent a check for the amount owed to XXXX XXXX on XXXX. USPS tracking XXXX XXXX XXXX. This check was cashed.
I mistakenly thought this was all settled but today ( XX/XX/XXXX ) I receive a letter from Eastern Account System of Connecticut ( dated XX/XX/XXXX ... ) that the debt was not paid and that since I did not dispute their letter from a month ago ... which I did not receive, that the debt has been reported to a credit bureau.
I am buying a house in 2 weeks and my career depends on a spotless credit rating. Their bush league antics have caused me XXXX and could affect my livelihood. Please do something about these criminals.
|
| 07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
" upon further research I found this company isn't even licensed to collect in my state ''.
This is the second time i have complain about Eastern Account System of Connecticut they completely ignore my first complaint so i'm resubmitting. here is a copy of their response- I am happy to assist you, additional information is required to accurately locate the account in question. Please provide account number ; if you do not have the account number the amount reporting on your credit as well as the additional creditor. Please verify your date of birth as well. Thank you Please contact me @ XXXX- thank you
|
| 04/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Signed up for XXXX XXXX XXXX XX/XX/XXXX. Tech hooked up service at like but did not receive modem to use service. After several attempts to obtain modem, I got frustrated and cancelled service. when I cancelled XX/XX/XXXX, local office said they can cancel but can not take care of Bill that was {$66.00} roughly. I contacted customer service line shortly after and spoke to billing dept. They stated it would be taken care of. I moved out of residence shortly after and thought it was taken care of. I received an email early XXXX about disputing. I did dispute and don't remember receiving a reply about it after. I checked credit report XX/XX/XXXX and saw derogatory statement. I contacted XXXX and they said it had been sent to XXXX XXXX XXXX collections. I called and they said my dispute was denied earlier in the year. I asked if I was ever contacted about Bill not being resolvex. They stated they sent mail that was returned multiple times. They stated they called XX/XX/XXXX at XXXX. As I am a XXXX, I do not carry phone while working. They said they couldn't leave voicemail. They also said they called only once because that's all they are required. I asked while I was never notified of Bill via email. They had no answer. I also asked why I was never notified of dispute being denied. They had no relevant answer.
I wouldn't mind paying the {$66.00} Bill if I ever had access to the services. Because I could not obtain a modem, I was never able to use the internet service. Not one single time. I refuse to pay for a service that I could not use.
Their initial hookup stated the technician should hook up devices outside and inside of the house. They did not provide services stated in frontier website. I will continue to fight this.
|
| 03/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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I noticed a collection had been placed on my XXXX credit report on XX/XX/XXXX in the amount of {$71.00} for a debt with Eastern Account System , Inc. Since I had never been contacted by this company in any form and had never done business with or even heard of them, I assumed this debt was incorrectly assigned to me and I contacted XXXX to have it removed from my credit report. XXXX responded on XX/XX/XXXX that they supposedly investigated and claimed that the debt was valid and mine.
I then contacted Eastern Account System by phone on or about XX/XX/XXXX to inquire. They claimed that the debt was from an unpaid medical bill from XX/XX/XXXX and that the original creditor was XXXX XXXX and XXXX XXXX. I responded that I had paid all of my bills with them on time and had never received a notice about an unpaid bill. They said they would investigate and get back to me. I contacted them again a few days later to say that I had proof of the payment of the bill from a charge on my credit card statement from XX/XX/XXXX in the amount of {$71.00}. They again said that they would investigate and get back to me. After not hearing anything from them for 3 weeks, I called again and they said that they hadn't heard back from the original creditor, but that they would contact me within the next week. To this day, more than 45 days from my original call, I have never heard back from them in any form.
On XX/XX/XXXX I filed a new dispute with XXXX explaining the situation in detail and providing the credit card statement ( also attached to this complaint ) showing that the debt had been paid on XX/XX/XXXX. Yesterday I received a new response from XXXX stating again that the debt was valid but providing no other information.
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| 05/27/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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( This complaint is being generated by the consumer to whom it concerns. ) on XX/XX/2022 I, the original creditor, consumer and Natural person checked my credit file and became aware of a third party debt collector furnishing an alleged debt to my consumer report in the amount of {$170.00} as well as another alleged amount of {$100.00} for a combined sum of {$270.00}. EASTERN ACCOUNT SYSTEM is and has been furnishing negative information on my credit report without my lawful authority and is in violation of 15 USC 1681s-2 ( 7 ) E. EASTERN ACCOUNT SYSTEM it is a third party and has no standing to deny my claim. I am aware that EASTERN ACCOUNT SYSTEM can be held liable for any violations that they have committed pursuant to 15 U.S. Code 1640 and I intend to hold EASTERN ACCOUNT SYSTEM liable for these violations. I have reasonable cause to believe EASTERN ACCOUNT SYSTEM is a debt collector furnishing an alleged debt to my consumer report as a means of coercing me to pay this alleged debt and further extort me and cause harm to my credit reputation. I am aware that collection of extensions of credit by extortionate means is a violation of 18 USC 894 and carries a criminal liability of up to 20 years. I have reasonable cause to believe EASTERN ACCOUNT SYSTEM HAS VIOLATED THE LAW knowingly and without remorse. Furnishing knowingly fraudulent information such as collections is a violation of 15 USC 6821 ( a ) ( 2 ). I am aware that 15 USC 6823 ( a ) states whoever knowingly and intentionally violates section 6821 shall be fined under title 18 or imprisoned for up to five years or both. I have reasonable cause to believe EASTERN ACCOUNT SYSTEM is in direct violation of 31 U.S. Code 3729 - False claims.
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| 07/09/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I was admitted to XXXX XXXX in XX/XX/2017. Documentation as to whether or not I received intravenous contrast dye was poor. Middle record records indicate I received the contrast dye after the procedure was completed. The radiology company administering the test identified an error in their medical record system that they have not corrected. Thus they can not prove objectively that contrast was administered except to look at the radiology films which they have not provided me in a readable format. Despite the radiology company having my correct address and telephone number, I never received any bills at my residence for this service. They then sent the bill to the respondent for debt collection. Despite having the correct address and telephone number for my residence from the radiology company and having access to my credit report, the debt collector made no verifiable attempt to give me a call by telephone or send me a letter. They claim that they sent me a letter via regular mail but they can not prove its being sent or being received. Despite having my correct address and telephone number and access to my credit file, The debt collector continue to call an unrelated individual with the same last name. After not receiving a satisfactory response or payment, they placed the adverse account to my credit report. This caused me to lose a high security job offer worth {$180000.00} in salary annually.
If the bill is in the road, I would like to pay it. However I expect to be compensated for my damages as a result of the deck collector not providing me with the opportunity to dispute the debt in a timely fashion or providing me with any notice that a debt actually was owed.
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| 04/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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My problem is with XXXX XXXXXXXX. I do not owe them any money. But after I closed my account, they " claimed '' I still had some of their cable boxes. During the pandemic, they closed all of their offices so you can't deal with anyone in person. You have to return everything in a drop box or mail it to them. After I returned everything, I starting getting these bills saying I owed them for their returned equipment. I call numerous time and told them I had nothing that belong to them. This went back and forth for a couple of months and I assumed everything had been worked out. Then one day out of the blue I was notified by credit monitoring service that I had an account that was now in collection. I checked my credit report and discovered that some company called Eastern Account System had placed this collection on my report. I had NEVER spoken to anyone at this company. My excellent credit score dropped by XXXX points. After disputing the charge, one of the three credit bureaus ( XXXX ) removed it. The other two did not.
Then I discovered something else last week. I discovered that one of the local Homeowner Associations has now issued a warning to its members. Everyone in theier association that had dropped XXXX was being hit with this same bogus claim of not turning in their cable boxes and being threatened with collection. This is quite an extortion scheme this company has going. Either pay up or we will turn you over to collections. I did some checking with others and discovered the same thing. This needs to stop and I want my excellent credit restored. This company should also be hit with a class action lawsuit for their business practices.
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| 12/23/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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I received a letter from Eastern Account System in an attempt to collect a debt for {$480.00} on behalf of XXXX. I already settled this debt with XXXX through their collections debt, XXXX, on XX/XX/2022. I spoke with a representative at XXXX the remaining balance was a mistake on their part. They did not record receiving my equipment back and they charged me 4 months of internet after I cancelled my service. Because of those two issues they verbally agreed to credit my account for the full amount of {$480.00}. I sent a recording of this conversation to XXXX, who then discharged the debt as invalid.
8 months later, on XX/XX/XXXX, Eastern Account System reported to my credit that I owed a debt. I called them and the representative, XXXX XXXX, refused to accept any evidence I had of the account being settled. She attempted to hang up on me 3 times and would not provide me with an email to forward my evidence to. She lied on the phone and said she had access to my account at XXXX and that she could see the balance and the reason for it, however, I logged into my account at the same time and it says I owe {$0.00}.
All other attempts of communication with Eastern Account System has been met with resistance, as they refuse to settle this matter. On top of calling them I have emailed them through their system and have only received automated responses that refuse to provide any resolution. This is unacceptable, trying to collect a false debt lowers my credit score, cost me time and money. I am reaching out to you to see if you can help me resolve this issue with Eastern Account System and have them remove the debt from my credit score.
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| 09/04/2018 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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In XX/XX/XXXX I received a letter stating that I owed a XXXX bill from my old telephone/tv service account as an early termination fee. I did not terminate service I merely moved across town and kept the service, they would not resolve the debt and it was in the hands of Eastern Account System of Connecticut. At that time, I made a payment of XXXX. The remaining balance I did not pay, it was a complete oversight. I DID NOT receive a reminder call, letter or email. I sold my house and am in a new home, I am a widow and mother of XXXX seniors going to college, I would have expected a little understanding with my situation. I am financing my new home now and a collection debt for XXXX is on my credit report lowering my rating dramatically. I called up the company, I made another {$25.00} payment and said I would like to settle this account, the balance is XXXX, I told the agent " XXXX XXXX '' XXXX ext. XXXX, I would like to pay it in full, she was rude and said she was not going to remove it from my credit report, I can pay it but her company DOES NOT remove negative or derogatory remarks from credit reports. This collection agency " Eastern Account System of Connecticut '' did not follow up with me, they DID NOT make any attempt to clear this up and when I am now trying to resolve this matter, they will not remove the negative from my report, lowering my score 30 points! I am trying to move forward and this company is abusing its power and is not working with consumers for a positive result, they appear to be against the consumer and on a mission to ruin people 's credit scores regardless of whether they pay or not.
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| 10/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Eastern Accounts Systems of Connecticut , Inc has created a faulty account in my name, alleging that I owe them a debt of {$160.00}. According to their claim, they sent me a letter 30 days ago, which I did not respond to. However, I have never received any such letter, nor do I recognize any debt owed to this company. Additionally, they have failed to provide any receipts or proof that I am the rightful owner of this debt, or that they did indeed send the alleged letter.
To emphasize my stance, I have not made any payments to this company, and I firmly contest the validity of their claim. They have initiated an unauthorized, unverified, and inaccurate request for payment of a debt that does not belong to me. Moreover, Eastern Accounts Systems of Connecticut , Inc has threatened to report derogatory information to my credit report, which is not only unwarranted but a violation of the FCRA ( 15 U.S.C 1681b ). I have never provided consent for this company to report any information to my credit report. Within the letter they sent to me states they have already reported this information to my credit report.
This situation is particularly troubling as it appears to be a case of identity theft or misuse. I hold Eastern Accounts Systems of Connecticut , Inc accountable for their unauthorized use of my credit and demand that they immediately remove, delete, close, or eradicate any inquiries, accounts, or claims related to this issue from both my credit report and this includes all major credit bureaus such as XXXX, XXXX, XXXX and their business system.
A certified letter has been mailed to the company today
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| 01/23/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I canceled my service with XXXX XXXX XX/XX/22 online, confirmation number XXXX. I returned my equipment on XX/XX/22. I was told at the end of both interactions, that I would not owe any money. The next month, I noticed an autodebit payment was made to XXXX for services dated XXXX in the amount of {$83.00}, dates I didn't even have the equipment to use the service. I called XXXX and they told me " the cancellation didn't go through, '' and they would refund my money in sixty days, which I found unacceptable considering they wrongfully took this money from me. I disputed the charge with my bank and the amount was refunded to my checking account shortly after by XXXX. Weeks later, I received a refund check in the mail from XXXX in the amount of {$85.00}. I had already received the money back from my bank, and I thought that meant everything was settled, so I mailed the check back to XXXX. Then, in XXXX, I received a bill in the mail stating I owed {$83.00}. I called XXXX and spoke with XXXX different people, none of which could tell me what this bill was for. I of course did not pay this bill because my service was canceled and I did not even have the equipment for the service dates billed. XXXX has now sent this " debt '' to collections. I have disputed this with the debt collector and now apparently it's in XXXX 's hands to determine if my dispute is legitimate or not. I am not paying a debt I do not owe and I do not want this affecting my credit. I have spoken to many people who have said this exact thing has happened to them with XXXX and its appalling to me that they are getting away with this.
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| 07/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Older American |
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I'm on my third dispute resolution for the same problem with the XXXX company. Both XXXX and XXXX resolved my dispute in my favor on the first request. It seems that XXXX is unwilling to contact XXXX XXXX regarding the information and dates I have provided them, and rather checks only with the collection agency, Eastern Account System. To no ones surprise, XXXX continues to say I owe a $ 52 monthly charge that was billed after I closed my XXXX account.
The dates in question are as follows : On XX/XX/2021 I called XXXX XXXX and closed my account. I also turned off my autopay feature online on that same date. I was told and got a subsequent email to the same effect that my account closure would be immediate, as in that same day. My autopay billing cycle each month ended on the XXXX, and since XXXX bills a month in advance per their statements and website, I was paid up through XX/XX/2021. I was told on this same phone call to pay the {$10.00} termination fee which I did online.
While traveling the following month I received a bill for {$52.00} for another month of service from XXXX XXXX, and by the time I returned I found out it had been turned over to Eastern Account System for collection. I filed disputes with all three credit agencies and XXXX and XXXX deleted the inaccurate charge from my credit report upon my first request, but XXXX for whatever reason seems to have no interest in doing so as well.
I would greatly appreciate your assistance in getting XXXX to carefully review my complaint and invalid charge with XXXX XXXX and ask them to remove this entry from my credit report. Thank you
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| 01/25/2023 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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The amount they are stating I owe in debt is {$260.00} on my credit file yet when I call them they state that the amount is actually a much higher over {$1000.00}. I know for a fact that the medical service was not that high as I saw the bill from XXXX XXXX ( I believe the information was archived after the debt was sold to collections as I can no longer see the exact amount ) Additionally, I reached out to the agency telling them that I had insurance at the time ( due to covid it was medicare ) and that they told me it would fully cover the expenses of the therapy. They told me they would call me back over 4 months ago and no information has been updated or given to me as of today. I also sent a letter asking them to verify the debt to which there have been no results. However, XXXX seems to have stated in my latest dispute attempt that they verified and updated my file. The information shown on my file is only of name, address, and amount owed- all of which is relevant to the case. This means there was likely incorrect information regarding the debt that they updated only after my dispute and letter.
Lastly, I tried filing a dispute through experian multiple times to which they denied me and said that the debt was valid despite me informing them not only on the insurance that I had at the time of scheduling the appointment. They continued to deny me when I told them that the debt was also invalid due to HIPAA as I never gave permission to XXXX XXXX to release my medical data nor signed any documents allowing them to do so. As such I would like to report both XXXX and Eastern Account System
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| 06/03/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I recently discovered, through my credit reports, that Eastern Account System, located at XXXX XXXX XXXX, XXXX, CT XXXX fraudulently reported to the credit bureau that I owed it {$220.00} on behalf of XXXX XXXX XXXX ( Cable/Cellular ).
I have never done any business with Eastern Account System, XXXX XXXX XXXX, or any Connecticut corporation. I do not have any cable service and my cellular service is through XXXX which my account has never been in default and is up to date. The supposed account that Eastern Account System alleges is pure FRAUD. Nevertheless, they reported to the credit bureaus that I have an account that is in collections.
I disputed the fraudulent information with all three of the bureaus, and two of them found that the account was indeed fraud. As such, they deleted it from my report. The third, XXXX, indicated that they reached out to the company who allegedly verified the debt. Rather than remove the false report, they merely noted ( in the comments section ) that I disputed the account I have reached out to Eastern Account Systems numerous times in an attempt to learn more about this supposed account. They do not answer the phone or call me back. Additionally, I have never been contacted by Eastern Account Systems or XXXX XXXX XXXX regarding any open accounts in my name, any bills due, or any collection attempts.
Again, I have never done ANY business with either of these companies and they should not be reporting fraudulent accounts/collection attempts to the credit bureaus.
Please fine both Eastern Account Systems and XXXX XXXX XXXX for their blatant fraud.
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| 03/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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XXXX and I had worked out a payment arrangement due to divorce and I was not living at the residence at the time the phone was being used and bill was getting over limit ( s ).
Contacted FCC, XX/XX/2019, regarding matter about them not turning on my phone after I had already paid over {$150.00}. Complaint sent to FCC in XXXX.
Fee responded, etc. XXXX explained I would not be able to have phone turned on until I " applied '' again and I would incur a fee due to past history.
XX/XX/2019 received a call from Eastern Account Service, LLc asking if I was XXXX XXXX, I stated yes, ( they called private cell # ), they explained who they were and asked me to give them personal information. I said not going to do this, and send written notification to my address. They asked me to verify my address. I also refused.
XX/XX/2019, I have Eastern account listed on my credit report. I HAVE NEVER RECEIVED ANYTHIGN FROM THEM. I am paying XXXX {$25.00} each pay check and paid them in XX/XX/2019, My bill owedis {$50.00}.
I have sent complaint to FCC as well for fraudulent collection practices. After contacting a law firm that is suing Eastern for this very type of practice.
On XX/XX/XXXX, I called XXXX to file complaint. At XXXX that afternoon, my mail had a letter from Eastern stating that they had sent me something 30 days ago and I FAILED TO RESPOND.
I AM DIVORCED, I HAVE BAD DETS DUE TO THIS divorce. I am diligent about my outstanding debts, etc. I have a payment arrangement with XXXX. I am contacting an attorney to sue both XXXX and Eastern for bad faith on XXXX and fraudulence on Eastern.
|
| 09/18/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I noticed an erroneous debt on my otherwise flawless credit report. The account was a {$130.00} debt from XXXX XXXX that was reported by a collection company called Eastern Account Systems. I have full insurance and pay out of pocket for all other medical expenses so I know that this debt was satisfied. I disputed it with all three credit reporting agencies and it was deleted from XXXX but somehow was verified on XXXX XXXX and XXXX So, on XX/XX/2020 I sent a certified letter to Eastern Account Systems asking for compliance with the Fair Debt Collection Practices ACT to validate this debt and show me proof that this is my debt, that I actually owe it and how they acquired my information. They signed for the certified letter but never responded with the required documentation, a signed contract, statements, detailed billing history in accordance with the FDCPA. So I sent another letter on XX/XX/2020 asking Eastern Account Systems why they did not respond to my validation demand and gave them another opportunity to send me the documentation required by law to legally report or collect this debt. I allowed them the 45 Days in accordance with the FDCPA and even waited an extra 60 days for a response because of COVID 19 and they never responded. The evidence is clear that they are in non compliance of the FDCPA and the Fair Credit Reporting ACT by reporting and verifying this information with the credit reporting agencies. This appears to be a predatory debt collection company that is operating illegally and not in accordance of State or Federal Laws.
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| 03/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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Collection : Eastern Account Systems - {$300.00} Back in XX/XX/XXXX I had a medical procedure done at XXXX XXXX XXXX in XXXX, CT. My health insurance ( Connecticare ) was informed prior and all costs were to be covered 100 %.
In XXXX, I was reviewing my credit report with a financial advisor and it was discovered that there was a collection outstanding that I did not know about. I was instructed to take action and send a certified letter to the debt collector ( Eastern Account Systems ), which I did on XX/XX/XXXX. I have never received any validation from them about this issue.
On XX/XX/XXXX of this year, I noticed on my XXXX Credit Report that this had finally came off of my report, I had hoped that it was over. Now today, I checked my XXXX Credit Report and it has suddenly re-appeared.
This seems to be a clerical error from the original creditor ( XXXX XXXX ) due to a coding issue with the insurance company that they never resolved.
In XXXX, I had the same procedure at the same surgery center which only uses the above Anesthesia company without any issues. Prior to the procedure I contacted XXXX XXXX to make sure that it was going to be coded properly for payment by the insurance company. At that time, I was informed that they did in fact change their medical billing company since XXXX due to issues.
I am trying very hard to have this taken off of my credit report with disputing with the collection agency and also XXXX and having no luck.
Please feel free to reach out to me if you need any additional information.
Thank you.
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| 10/03/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
|
On XXXX XXXX XXXX I terminated my total services with XXXX, and returned all of their equipment to their local office. The local office told me that I would receive a credit and would be mailed a Final Accounting by mail which I never received. I continued to look at my on line account and saw various charges appear changing from time to time with no explanation.
On XXXX XXXX XXXX, I called XXXX accounting dept. and had a phone recorded conversation with a representative who referred to herself as XXXX. After much discussion, she told me that the balance on the account was XXXX Thinking it was settled on XXXX XXXX, XXXX I received an inquiry from a collection agency XXXX XXXX XXXX XXXX ( XXXX ). I responded in writing and sent them documents. Did not get a written response and then called them and they said they were still processing and would get back to me which they never did. I then saw they had contacted XXXX to affect my excellent credit rating. I disputed it with them XXXX XXXX XXXX and after their investigation it was deleted from my credit report. No further inquiry from XXXX.
In XXXX. I received another Written inquiry from another collection agency XXXX Accounts System ( XXXX ) about the same issue. I responded by mail with the information I received from XXXX and since have received numerous phone calls from XXXX which I have not responded except to tell them to respond to my written reply. To date no written reply.
To date no one has ever responded to the discussion I originally had with XXXX XXXX XXXX XXXX.
|
| 08/02/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Upon pulling my Annual Credit Report i have noticed a listing with XXXX credit bureau from Eastern Account Systems for XXXX. The listing stated under the comments that is was for XXXX XXXX service. I submitted a dispute with XXXX Credit bureau because i do not recall ever owing a bill to XXXX XXXX service provider. I have recently acquired an account with XXXX XXXX for Internet and cable services. Upon applying for service the representative pulled my credit to be sure i would get approved for service with them. I told the representative about the alleged bill with Eastern Account Systems that is listed on my credit reports for an account with them and asked would he be able to see if i owed them a balance internally. The representative informed me that after doing an extensive search with my social and name that he did not see anything in their system for me. He also informed me that if i had an old account with them that is not showing up in their system it would ONLY be because the account is outside of the statute of limitations. A debt that long ago XXXX legally could not go after and that would not keep new customers from opening new accounts with XXXX. He also stated that i should definitely look into this matter because this account was not ASSIGNED to Eastern Account Systems by them and that if this debt happened to be ours it is by now outside of the statute of limitations for any collection agency to collect on anyway!! He also stated that this agency should know the collection laws and should be abiding by them.
|
| 10/10/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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Eastern Account System I Fraudulently added this account to all 3 of my credit bureaus reports with no proof of verified documentation from me on XX/XX/23 for {$510.00} of which was paid in full not by me I was told on XX/XX/23 or XX/XX/23.
I've never had an account with this company nor have ever owed them any money. Nor have ever been in collections for any company they work for.
They fraudulently added an address to my name that I've never lived at on my credit reports.
They have part of my info for this account, which I have no idea of how it was obtained, the other half of the info belongs to someone else.
They've Fraudulently said they've verified all information. The question is with whom?
I'm entitled by law to know the list of names & addresses of all that was contacted to verify of this said account that was said it belonged to me, which it does not. And the names of persons who said they verified this fraudulently proof of documentation on this account. Also requesting copies of all proof of said documentation.
I have never opened a account nor lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX or XXXX. I've lived in Illinois for almost XXXX.
This debt has never been mine nor my responsibility.
Eastern Acct System I is to contact XXXX, XXXX XXXX XXXX & have this Fraudulent account removed immediately from my credit reports.
I've been inconvenient long enough with this emotional rollercoaster of someone in their company not doing their job correctly affecting my livelihood.
|
| 07/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
On or about XX/XX/XXXX I called Eastern account systems for XXXX XXXX. about a account that Ive disputed several times with all 3 credit bureau. When I called them on or about the XX/XX/XXXX. Their own system couldnt verify any debt tied to my phone number. Which Ive had since XXXX. After waiting on hold for approximately 45 min a gentleman named XXXX XXXX got on the phone. And was very rude. He kept cutting me off when I try to explain what the issue was. And after I gave him my full name. He wanted me to verify address, social security number, date of birth. I told him no for my security I need them to verify this debt. And I would verify any information they might have. XXXX XXXX got angry and stated he doesnt have to do anything and that he was personally going to make sure it stayed in my credit until the day it was paid in full. And only at that time he would think about removing it. When I asked him for his supervisor he simply laughed and then hung up on me. I still dont know what this debt about or any information because Ive never received a verified debt notice. They cant seem to give me the basics of information about this debt. On my credit report has no account number. It says its from XX/XX/XXXX but i was homeless due to hurricane Ian up till XX/XX/XXXX when the VA got my family into a home and out of the hotel. They had to pay a extra XXXX deposit for a total of over {$9000.00} just to be able to rent a house do to this negative and bogus reporting done by Eastern Account System on behalf of XXXX
|
| 03/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028. They brought my data from a defaulted note purchased from XXXX XXXX XXXX XXXX XXXX buying defaulted notes is a violation of UCC 9-110 and UCC 2- 401. This company has stolen my identity unlawfully and is trying to extort money from me. They use the Credit Reporting Agencies to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with EASTERN ACCOUNT SYSTEM INC. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). EASTERN ACCOUNT SYSTEM INC can not and will not ever produce a contract between me XXXX XXXX and EASTERN ACCOUNT SYSTEM INC because that contract does not exist.
|
| 03/24/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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When living at my former home in XXXX, the electricity bills became extremely high and unsustainable. I therefore called the electricity company, XXXX, to inquire as to how I could get the bills under control. At the rate at that time, I would be forced to sell my house because we could not afford the electricity bills ( we did indeed have to sell ). The representative that I spoke with offered " budget billing ''. It was explained to me that this was a flat monthly fee. The representative at no time disclosed that I would be liable for any electricity used above that flat fee. When I later called to close the account, I was informed that I would have to pay all electricity charges above the flat monthly fee that were essentially being accrued, which resulted in a bill of over {$1500.00}! I immediately contested this as I was never informed that I would have to pay any accrued amount that would be accelerated upon closing the account. I immediately put my dispute in writing and told XXXX to contact me to resolve and I would pay an appropriate amount. Instead, they chose to send my bill to a debt collector and my credit score has dropped nearly XXXX points as a result. My dispute was in writing as required by the FDCPA, XXXX should have contacted me ( which they did not ), and my account should have never been sent to debt collection. The debt collection agency informed me that XXXX was aware of my dispute, but validated the debt even though they had failed to contact me as the consumer.
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| 04/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XX/XX/XXXX Eastern Account Systems reported a {$3000.00} debt to my credit report, showing that the debt was from XX/XX/XXXX. I reported this several times in XX/XX/XXXX and now have started reporting them again for falsely reporting the start of the debt date, which was in fact, XX/XX/XXXX.
XX/XX/XXXX I submitted a claim through XXXX that the date was incorrect & XX/XX/XXXX I was notified by XXXX that the EAS is reporting that the information is correct.
XX/XX/XXXX I opened a new dispute and provided the bill directly from the hospital to XXXX, showing that the debt was from XX/XX/XXXX and not XX/XX/XXXX. XX/XX/XXXX, I was notified that again EAS is stating that what they are reporting to XXXX is accurate.
Eastern Account Systems is falsely reporting a medical visit start date and is falsely stating to the credit bureaus that what they are reporting is accurate. I also had insurance at the time of service so this may even be an attempt at double billing.
I have/had no contract with this collection agency and do not owe Eastern Account Systems any money directly. Eastern Account Services has directly violated the HIPPA act of 1996. I never signed anything for this company to receive any medical information, the only information they are allowed to receive is date of service and amount due. They are still inaccurately reporting the date of service ( account opened ) as XX/XX/XXXX.
This debt being reported to the bureaus in XX/XX/XXXX caught me off guard as the date is so old.
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| 12/27/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Eastern Account Systems ( Collector ) claims that I owe a debt from a medical office back in XXXX from XXXX XXXX. I did not recognize the debt so I issued credit bureau disputes of the debt and the credit bureaus ( XXXX, XXXX, and XXXX ) and they reported after 6 months of disputing as " verified as accurate '' with no proof it was actually validated ( I understand they won't disclose how they verify it ). I took it one step further and had a consumer representation firm contact Eastern Account Systems. Upon further discovery, the company had disclosed on a recorded line that when they received the first request for debt validation in XX/XX/XXXX they had not received the verification of the debt until XX/XX/XXXX ( 9 months later! ). This is a gross moral and legal injustice as they continued to report to my credit reports that they had verified the debt as accurate and per FDCPA guidelines they have only 30 days from the initial request for validation ( XX/XX/XXXX ). So not only did they breach the 30 day mark, it took them roughly 270 days to actually verify the debt. I have even gone one step further and reached out to Vice President XXXX XXXX regarding this issue and it has fallen on dead hands. This company is disgusting in their actions and have ruined my chances at getting proper credit representation which I hold very highly. I pray for this company to dissolved and discredited in all of their actions. Absolutely terrible functionality and arguably illegal.
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| 03/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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There is a {$590.00} collection account from XX/XX/XXXX on my XXXX credit report. I have disputed this multiple times, and it still remains. Eastern account system is the collection agency, and XXXX XXXX is the original account.
When XXXX came to my door in XX/XX/XXXX, XXXX XXXX promised lower distribution rates than XXXX for electric, so I signed up. After months of being over-billed dramatically, I called to cancel and be refunded and XXXX refused.
They did not hold true to their promises. Recently, upon my investigation, I found there is a class action settlement against XXXX XXXX for services provided from XX/XX/XXXX through XX/XX/XXXX for OVERCHARGING CUSTOMERS. I am a part of this settlement. I should have never been overcharged. XXXX charged me a total of {$890.00} ADDITIONAL on my electric bill from billing periods XX/XX/XXXX through XX/XX/XXXX. Of this, {$590.00} was unpaid once I caught on.
I have called XXXX and a new dispute was opened since I discovered the class action settlement. Per the results, Eastern Account System validated the collection amount and stated it will NOT come off my credit report.
I have contacted Eastern Account System 2 weeks ago, and they stated there is nothing they can do.
I have attached all XXXX bills which include over charges for XXXX XXXX. I have also attached my current XXXX credit report, and the dispute results.
**Any and ALL information can be found at XXXX XXXX XXXX regarding the class action settlement.
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| 07/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
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| 07/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 05/07/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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When I moved into XXXX XXXX XXXX in XX/XX/XXXX, It was stated in my lease agreement that under the rent amount, it covered various things such as INTERNET ACCESS. XXXX told me to call XXXX XXXX and set up a time for them to come and set up the router and equipment. When I called, they said that it is covered by my complex but I can opt in for extra things that would be up to me to pay for such as higher speed internet, but I did opt out of those. Going into my next lease for XX/XX/XXXX, XXXX included in emails that they would be switching providers from XXXX to XXXX. XXXX collected their router from my apartment because it is not in the laundry room anymore, now we have XXXX. Beginning shortly after we discharged XXXX, I began receiving bombarding calls and letters from them stating that I have a pending bill to pay. This is incorrect because I never opted for anything extra and we dont use that provider anymore. My complex advised me to just ignore them were handling it, so I did just that. After a couple more months, my credit score tanked more than 40 points. I called the debt agency and made a dispute but XXXX has since rejected it. I called my complex and they again said they were handling it. It has been a month and my credit score has sunk another 90 POINTS. This is an incorrect fraudulent fee from a company and I closed my account MULTIPLE times but they did not end up closing the XXXX account for me. My credit went from above 760 to almost 650
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| 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
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|
Web |
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I'm doing a follow-up the an earlier complaint account numbers : XXXX XXXX Under the Fair Debt Collection Practices Act, you are required to respond to my request for validation within 30 days of receipt of my communication. However, it has been more than 30 days, and I have yet to receive a response. Under both State and Federal consumer law I have the right to get have my debt validated, and you are obligated respond within the statutory time limit.
Failure to respond to my requests for validation is a violation of the Fair Credit Reporting Act and may result in an investigation of your company by the Federal Trade Commission.
Any attempt to collect on this debt without properly validating would be in violation of the FDCPA and State consumer protection laws. Should you continue to attempt to collect this debt without validation, I have the right to sue you in small claims court and subject you to a fine of {$1000.00} per violation, as well as my attorney fees and court costs as damages.
In addition, I would like to remind you that you are legally obligated not to report a debt that has not been properly validated to any of the credit bureaus. I understand we had communication through the cfpb system but I have never received a validation letter and still you sit on my credit report. I will not hesitate to report these violations my State 's Attorney General, the Federal Trade Commission, and file a complaint with the Better Business Bureau.
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| 01/23/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
|
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Subject : Urgent Demand for Investigation and Resolution of Fraudulent Accounts and Inaccurate Credit Reporting To Whom It May Concern, I am writing to you as a victim of identity theft and a distressed consumer who has encountered significant barriers due to the negligence and noncompliance of your organization with federal consumer protection laws. Despite my diligent efforts and the clear provisions of the Fair Credit Reporting Act ( FCRA ) Section 605B, the fraudulent accounts opened in my name have not been addressed appropriately, causing substantial harm, including the inability to secure housing for my newborn daughter and me.
As previously communicated in my letters sent to your company dated XX/XX/year>, accompanied by a comprehensive identity theft report, a detailed list of the fraudulent accounts, and a signed affidavit, these accounts were opened without my authorization. The documentation provided should have sufficed to initiate an immediate investigation and removal of these erroneous entries from my credit reports as mandated by the FCRA.
However, it has been nearly a year since my initial report, and the lack of action from your side is not only disappointing but also in direct violation of consumer protection statutes. The persistent inaccuracy in my credit reports has unjustly tarnished my financial reputation, causing undue stress, barriers to essential services such as housing, and jeopardizing the well-being of my family.
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| 08/11/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
|
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I have been trying to get an invoice for the amount I owe XXXX XXXX. I have sent letters including pages and pages of documentation proving that I only owe payment for services from XXXX XXXX XXXX to XXXX XXXX XXXXThe Facts : ~My last payment was {$73.00} on XX/XX/2023. That brought my balance due to {$0.00}.
~My next bill was not due to be paid until XX/XX/2023.
~I completely lost all internet service on XX/XX/2023. I spent hours of troubleshooting over the phone. XXXX could not resolve and could not send a technician to my home until the beginning of XXXX.
~I work from home as a project manager. This delay in internet service would have cost me my job.
~After giving XXXX a few days without resolution, I called XXXX and had their internet installed that day.
~ I alerted XXXX several times to close my account as they were no longer needed.
~I have proof that I sent back all equipment and that it was received by XXXX.
They chose to ignore all evidence and sent my account to EASTERN ACCOUNT SYSTEM INC for debt collection.
On XX/XX/2023, the day I received the letter from XXXX XXXX XXXX XXXX, I sent them all documentation proving that this inflated dollar amount was fabricated by XXXX XXXX.
Today, XX/XX/2023, I received a letter from EASTERN ACCOUNT SYSTEM INC who merely sent me another invoice and stated that it was validation of the debt owed. This is clearly a purposeful misrepresentation of the amount owed.
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| 01/31/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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XXXX XXXX is currently trying to collect XXXX in which i am not responsible for. The charges are for unreturned equipment. At this time i was living in XXXX XXXX and was relocating out of state. I informed them of this moved and tried several attempts for them to retrieve their equipment. I then would inform XXXX XXXX that I would drop their equipment off at a nearby location. This location was located in XXXX XXXX on the corner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX on the corner. I have contacted the creditor, I have contacted XXXX XXXX directly. I have asked for a breakdown of charges in which I was denied. I also asked in the case that I decided to pay the death, I was not responsible, for if I can have a promise to delete let her in return, in which I was also denied. At this time I am asking for this debt to be removed off of my credit, because I do not feel as if I am responsible. I have reached out to the creditor, and the company itself with no resolution. I have tried to dispute this with the credit bureaus in which the company has stated this amount is accurate. The equipment comes with a barcode that can identify the customer. It's hard to believe that they were not able to locate this equipment to show it was returned. Again, I do not feel I am responsible for this account as I've done everything in my power, and also returned their equipment. As I stated I would before I left the state of Connecticut.
|
| 05/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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I have submitted several request to have the inaccurate information removed from my credit report and provide proof of debt owed. Eastern Account Systems answered the initial complaint with the CFPB and by their own admission stated the name was not the same as mine and as they stated was missing a " letter ''. However, on the screenshot they mailed to me it was more than missing a letter. It was missing a letter and misspelled. Again, per the FCRA any inaccurate information CAN NOT be reported to the Credit Bureaus yet they are by their own admission reporting inaccurate information which if unresolved after this attempt I will be forced to seek legal action as well as report to the BBB. Also in their answer they stated XXXX as the original creditor with ONE acc ount number but they are reporting 2 s eparate accounts on my credit report. Also they stated they are licensed to collect in Alabama but failed to provide entity number as I searched and there is no record of their entity in Alabama. Also requested they show my original account contract with charter showing where I opened this account. They only provide the same information as their initial response and no actual proof or information. I am emotionally stressed over this as this is the only collection account on my credit report and they are preventing me and my family from moving forward with personal matters that require positive credit history.
|
| 04/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Please be advised this is my 2nd written request to the credit bureau and reporting agencies and the unverified items remain my credit report violation of federal law. It is understood that under the FCRA They are required to have a copy of the original creditors documentation on file to verify the information is correct and is mine as results to the 1st investigation they stated in writing that they verified these items being reported correctly When I inquired who verified these accounts or how they were verified I was met with extreme condensation and attempts at intimidation The investigation took longer than allowed they have not provided me with a copy any original documentation, signature, or contract nor any results of the second investigation supposedly conducted required under section 609A1A and section 611 5A of the FCRA which requires them to promptly delete all information which can not be verified. now the laws very clear on the civil liability and the remedy available to me for negligent noncompliance also in section 617 if they fail to comply With the statute therein. In attempts to verify some incomplete and inaccurate data on my files they have manipulated my information to match these accounts which I was a direct witness to in and in reply they said they were just doing their job which was quite disconcerting to me knowing that this data is inaccurate and has been proven thus forth.
|
| 05/15/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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No knowledge of this account. I was in hospital for XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX was my insurance provider at the time and paid my medical bill according to their statements. I never once received any hospital bill after XX/XX/XXXX and was under the impression everything was paid off, nothing owed by myself or insurance. Three years later, Eastern Account Systems showed up on my credit report alleging I owe a {$2700.00} collection account with a date opened as XX/XX/XXXX. This is not only unbeknownst to me but why three years after the fact does this randomly pop up on my credit report? Not to mention, Eastern Account Systems has repeatedly harassed me on a daily basis calling from fake phone numbers, changing the city and state on caller ID each time a call is made. This not only interferes with my job but also is a major nuisance day to day on a personal level. I have NO knowledge whatsoever of this collection account. For all I know, this is identify theft. I was never sent any bills as normally would receive if money was owed by me. Why three years later does this appear on my credit report? This mysterious and bizarre collection account is damaging my credit that I have worked so hard to build. I pay ALL of my bills on time. I want this nonsense removed from my credit report as well as this bogus company, Eastern Account Systems, held liable for harassment and fraud.
|
| 12/20/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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On XX/XX/XXXX, I called XXXX to cancel an old XXXX account that was put into my name by my landlord and in return set up a new account completely run by me. XXXX said they could cancel my account and that I wouldnt owe anything on it after XX/XX/XXXX. I had no issues until XXXX of XXXX when I got an email about overdue payments. I called XXXX and they hadnt cancelled my old account upon request and were still charging me but I had received no bills about this for those XXXX XXXX. After talking with multiple people on multiple attempts, I was able to speak with a supervisor that told me he would cancel the accounts and amounts owed with no problems. I hadnt heard anything or had an issues until I received a debt collection letter on XX/XX/XXXX. the letter stated that I hadnt contacted them regarding a previous letter ( a letter that I never received ) and that now it would be effect on my credit report and that I owed XXXX money. I called XXXX to dispute it but XXXX states that there is no record of any of this and that the amount stands. So now I am trying to go higher up to save my credit report so that Im not being hurt due to lazy XXXX representatives.
Unfortunately I have no documentation other than the bills and statements of payment for my current account because everything was done over the phone and when I asked for email receipts of the conversations, they were never give.
|
| 10/29/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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On XX/XX/19, I called XXXX XXXX to find out what date I was paid through. I was told I was paid to XX/XX/19 and I requested to cancel service on XX/XX/19. I was told service will be canceled and to ship the equipment to avoid charges. At midnight XX/XX/19 my service was not connected in the house. On XX/XX/19 I received a text from XXXX indicating boxes to return my equipment was shipped. A few days later I received a XXXX bill to cover for service in XX/XX/XXXX {$180.00}. I did not pay it because I canceled service and did not have it. On XX/XX/19 I called to ask specifically which equipment to ship back to avoid charges. I was told service was off as of XX/XX/19 and to ship only the TV cable box and remote. On XX/XX/19 I received a text from XXXX confirming the shipment was received. A couple of weeks later, early XX/XX/XXXX I received a letter from Eastern Account System of CT to collect a debt for XXXX for {$180.00}. In that letter it states to call within 30 days to pay or dispute the charges. On XX/XX/19 ( well within 30 days ) I called to dispute the charges. The male phone representative said he will submit the dispute. On XX/XX/XXXX I receive a letter dated XX/XX/19 stating I did not respond so they assume the debt is valid and reported to the credit bureau. I have NEVER had a derogatory against my credit and now my credit score dropped over 60 points!
|
| 06/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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*THIS IS NOT A DUPLICATE COMPLAINT* *THIS COMPLAINT IS IN RESPONSE TO COMPLAINT # XXXX I am writing to request debt validation for the account number XXXX, which your company, XXXX XXXX XXXX, acquired from XXXX XXXXXXXX XXXX XXXX XXXX with balances of {$1200.00} & {$240.00}. As the account holder, XXXX XXXX, I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).
To ensure the accuracy of the debt, I kindly request the following information and documents : 1. Copies of all statements and invoices associated with the account, including a detailed breakdown of charges, interest, and fees.
2. Proof of the original agreement between XXXX XXXX XXXX XXXX XXXX and myself, XXXX XXXX, establishing my liability for the debt.
3. Verification of XXXX XXXX XXXX ' license to collect debts in [ insert your state ].
Please provide the requested validation within 30 days, as mandated by the FDCPA. Until the requested information is received, I expect all collection activities and credit reporting pertaining to this debt to be suspended.
Kindly respond to this request in writing and use written communication for any future correspondence regarding this matter.
Thank you for your prompt attention to this request. I look forward to your timely response and the provision of the requested documentation.
|
| 01/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
Servicemember |
|
This was resolved, they sold the information again to another 3rd party collection agency called > ( eastern account system ) Here is the information from my dispute XXXX Complaint # XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Debt collection ISSUE Communication tactics We received your complaint. Thank you.
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.
YOUR COMPLAINT They called me at XXXX XXXX XXXX harassing me multiple times and threatening me, I sent a debt validation letter XX/XX/XXXX, they never show me any proof of validation. [ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX ] They added a derogatory marks on my credit reports, they never validated anything at all, Upon further research, this account was transferred /sold to a third party collection agency they did not verify this collection. Also there was no written form of contract or signature. I'm aware that section 609 of the FCRA requires that you have a contract with my signature. please forward me all documents on this account or remove it from my credit report.
|
| 04/23/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Eastern account systems sent me a letter with my information to collect {$420.00} for a Doctor that I never saw. I explained this to them numerous times and receivedno help to resolvethe issue. I spoke with the doctors office they were trying to collect debt for and confirmed that no one visited that office using my name or information so filing a police report for fraud was useless. Eastern account systems reported this debt to my credit which resulted in a XXXX point drop, I am extremely upset about this. On the same day I was notified they reported this to my credit, I called them and only then did they say they discovered that the wrong Doctor information was put on the notice they sent me and it was in fact now my doctors office listed. I immediately called my doctors office to verify and ask why I was never notified by them directly. I paid the {$420.00} in full that day directly to my doctors office. Eastern account systems still has not removed the debt off of my credit and has not updated the information. They have ruined my credit due to their incompetence and none of the employees care to do their job correctly. This is such an extreme example of misuse of power and they should not be allowed to ruin people 's lives. I want this company to be investigated so they can never have the power to do this to anyone else, this is such a travesty.
|
| 01/02/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
In XX/XX/2020, I was scheduled for several medical appointments with various providers by XXXX XXXX XXXX ( XXXX ) on behalf of the Veteran 's Administration ( VA ) for Compensation and Pension ( C & P ) exams to determine the validity of my XXXX claim with the VAXXXX One of these appointments was for x-rays at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX XXXX, who scheduled the exams, assured me that all appointment costs were covered, and they even reimbursed me for mileage to and from each appointment.
When I attended the appointment, after the x-rays were completed, I talked to a receptionist at the front desk and told her that XXXX and the VA cover the appointment. Several weeks later I received a bill for this appointment totalling {$140.00}. At this time, I called the medical center directly and again told them to direct this bill towards XXXX. I then called XXXX directly and attempted to have them reach out to the medical office to take care of this debt. I received several more bills for this debt, and each time tried to get the medical center and XXXX to take care of it. It is now on my credit report as in collections, and I have disputed it to no avail with all three credit bureaus.
The appointment was on XX/XX/2020 The appointment location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
|
| 07/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Eastern Account Systems and XXXX XXXX XXXX are negatively reporting on my credit report with XXXX in the amount of {$390.00}. I filed police report # XXXX and Report # XXXX regarding identity theft that occurred in XXXX TN with the XXXX XXXX Police Department. I have provided a police report, affidavit, and lease agreement where I resided in XXXX TN at the time of the ID Theft. I have presented this information to both XXXX and Eastern Account Systems. When I spoke to the Id Theft Department for Unauthorized Charges at XXXX they were unaware of Eastern Account Systems reporting to XXXX and explained that Eastern Account Systems should not be reporting. I have submitted information on more than XXXX occasion and disputed information with XXXX and Eastern Account Systems continues to report that I owe {$390.00}. I attempted to have cable services installed through XXXX on XXXX XXXX and they canceled my installation appointment without notice after I took off from my job. They gave me a new appointment then after having cable for 3 days they then disconnected my services because of the unauthorized charges from someone in XXXX TN in XXXX and XXXX. I do not owe XXXX or Eastern Account Systems any money. I have lost time from my job and wages because of this as well a major blemish to my credit report for several years.
|
| 06/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I applied for new credit and was notified that Eastern Account Systems Inc is reporting a delinquent account to the credit bureaus. There are 2 accounts reporting for 2 different amounts.
The first account is for XXXX XXXX account # XXXX with a reporting date of XX/XX/20 in the amount of {$230.00}. I have no idea what this account is for. I have never received equipment from a company that I haven't paid for or was supposed to return.
The second account is for XXXX XXXX, account # XXXX with a reporting date of XX/XX/20 in the amount of {$290.00}. Again, I'm not aware of a service of any equipment I received from a company XXXX.
I've sent a certified validation of debt letter that was returned to me yesterday. I've tried reaching out to the company via telephone to no avail. I would like this debt validated with the original contract from the company that is claiming that I owe the debt. Eastern Account Systems will state that they work for the company and that they have not purchased this debt. I would like proof of a contract between Eastern Account Systems Inc and the creditor claiming that I owe this debt, showing that 1, they are allowed to collect a debt in the state in which I reside, and 2. this debt has not been sold by the creditor and purchased by Eastern Account Systems Inc . I do not owe this debt.
|
| 08/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Spoke with agent XXXX XXXX XX/XX/22 approximately XXXX XXXX- I Wasn't aware of debt until found on credit report-XXXX said XX/XX/22 XXXX got my new address XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX the day after they received acct XX/XX/22 and sent first and only collection letter- no corespondance was sent to new address although they identified a new address for me- I advised XXXX I hadnt lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX since XXXX XXXX said it isnt their responsibility to check their files for new addresses before credit reporting- I told XXXX I dont know if its my debt because Ive moved and XXXX ( original creditor ) has my correct phone number and I havent received any calls and she didnt offer debt validation/verification letter- Representative wouldn't answer questions about debt, said she didn't want to argue with me-Requested supervisor transfer agent refused and as she will have supv call back but she doesnt know when- When I asked her to document on my file they had my correct address the day after they received acct she said no-Said she will only document acct for supervisor to call back and there is no formal dispute process- XXXX implied repeatedly no action will be taken- I want this removed from my credit report because no attempt for contact was made after they got current address
|
| 07/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Eastern Accounts reported two debts on my credit report which are in collections ; one for {$72.00} the other for {$100.00} original merchant XXXX. I paid the {$72.00}, not knowing if I actually owed the amount, since I was unable to receive a bill for the charges. I contact XXXX, and they were unable to confirm that I actually owed {$72.00}. Nevertheless, I paid the {$72.00} for the sake of the having this account deleted from my credit report. To my surprise, the account was updated and marked paid as agreed, but I needed the account to be deleted, which I was told that it debt would be deleted once I made the payment. I contacted EA the representative stated the debt will not deleted the account from my credit report after I made the payment. The account for {$100.00} I was told was owed for XXXX equipment, which I returned to the company over two years ago. However Eastern stated they could resolve the issue and sent a letter for this debt to be deleted from my credit report. My point, these companies could rag your credit, place debt onto your credit report without your knowledge and yet do not want to remove the collection from my credit file. I truly do not understand this process or when the company was paid and paid without any proof of owing this debt. Please HELP this process is so unfair!
|
| 12/28/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This complaint is a followup to complaint # XXXX Upon review of the documentation you provided as alleged verification of the debt, I must inform you that a simple bill from Frontier does not meet the required legal standard for verification under the Fair Debt Collection Practices Act ( FDCPA ). To lawfully validate a debt, you must provide detailed documentation that clearly establishes : 1. Proof of the original contract or agreement between the consumer and the original creditor.
2. A detailed account statement showing the breakdown of the amount claimed, including any fees and charges.
3. Evidence that Eastern Account Systems is authorized to collect this debt on behalf of the creditor.
4. Proof that I, specifically, am the individual responsible for the alleged debt.
As of this communication, you have not provided adequate documentation to verify any of the above requirements. Simply providing a bill is insufficient as it does not prove that the alleged debt is mine or that the amount is accurate and owed.
Under the FDCPA, consumers have the right to dispute inaccurate information and ensure that any data reported to credit bureaus is accurate and complete. The failure to properly verify the debt and continue collection activity without proper verification is a violation of my rights.
|
| 04/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I informed my car insurance company that I am moving back home to IL in XXXX of XXXXand will be paying for car insurance in IL I will not be coming back to FL. They knowingly tried to charge me for FL car insurance when I was already paying for car insurance in IL after I left the state. They reported me to all 3 credit biuros for non payment, that is fraud. I can not pay for car insurance when I do live or drive in their state any more. I have had insurance with XXXX from the day I drove across IL XXXX line. I am living on XXXX, I only have money to pay one insurance, once I paid my rent, phone and insurance here in IL, there is nothing left in my checking account, they caused me a lot of trouble trying to fraudulently charge me for months I no longer lived there. Now their report is ruining my good credit. I tried to remind them I told them I no longer live in FL and I pay for insurance where I live but they continue to try to get the money through a collection agency. These people are dishonest and trying to steal what doesn't belong to them. I went to check my credit and I see 2 derogatory reports lowering my good credit score. This below is it. Please help me fight these frauds.
Collections EASTERN ACCOUNT SYSTEM, Opened XXXX {$100.00} EASTERN ACCOUNT SYSTEM, Opened XXXX {$120.00}
|
| 05/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I was informed by several credit bureaus that there were late payments made on several accounts that I was not aware I even had. Apparently XXXX XXXX XXXX is a collection company that XXXX XXXX uses on past due accounts yet was never given any information as to the placement of any accounts as required. Additionally, I had ONE account with XXXX not two, and never had any dealings with XXXX yet they were reporting false late payments against me with the credit bureaus ruining my credit. My debt with XXXX has been PAID IN FULL and they will verify that this information is true and correct but I am unable to dispute this with the credit bureaus since I have disputed this with XXXX in the past. Since I don't owe XXXX or XXXX I would like this negative and false information removed immediately as it is the only collections I have on my credit report and since I am a XXXX individual on very low income and the spouse of a XXXX veteran it is not easy to qualify for any loans and I am forced to sell my house and buy a single story for my spouses mobility issues and recent blindness for fear he will fall down the stairs again. I am attempting to make sure my credit reports are as up to date and accurate as possible. Thank you in advance for your assistance in helping me resolve this issue.
|
| 07/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am aware that my SSN belongs to the ( XXXX XXXX Social Security XXXX and anything purchased with that identifying number Is an obligation of the United States In accordance with 18 U.S.C 8 and being that you Eastern Account System of Connecticut INC is attempting to collect a debt from I, the consumer makes you guilty and In violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733.
Eastern Account System of Connecticut INC is In violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me Into making payments on alleged debt not owed.
I DID NOT AND DO NOT CONSENT to you Eastern Account System of Connecticut INC furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A.
This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This ls also a NOTICE exercising my rights to prevent the processing of my personal data by Eastern Account System of Connecticut INC for the account you alleged that i owe.
Delete the account from my credit report immediately, you have XXXXdays period.
|
| 09/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I, XXXX XXXX, have received 3 notices from Eastern Account System of Connecticut , Inc . They are saying that I owe {$310.00} or if equipment returned, debt would be {$210.00}. A person at Eastern said person who incurred this debt used my name, date of birth and address. My date of birth is XX/XX/XXXX. My address is XXXXXXXX XXXX XXXX XXXX Fl XXXX. My SSN is XXXX. I have learned that the address of this person is XXXX XXXX XXXX XXXX, XXXX Il XXXX. The period charged is from XXXX XX/XX/XXXX. XXXX 's phone number is XXXX -- XXXX or Account number is XXXX. This amount is shown on my credit report. I want it removed please. I did contact the XXXX Sheriff 's office at XXXX. I was transferred to a nice deputy for the area. He said it is an apartment complex that is now vacant. It was purchased by XXXX XXXX, in XXXX XXXX, Mo. I tried calling them and left a message. Call not returned. Their phone number is XXXX. XXXX Credit Bureau has Eastern Account system down twice. One is for {$210.00}, and the other is for {$100.00}. My local sheriff 's dept says it is out of their jurisdiction so wouldn't take an ID Theft report/fraud. I was given a phone number by XXXX for this person as XXXX they haven't tried to call the number. I don't know if Eastern has tried or not.
|
| 01/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have contacting many different times to XXXX for them to send me a box to return the modem. I contact them on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/2022 XXXX XXXX and XXXX XXXX XXXXThe representative from XXXX kept letting me know they are sorry for me not receiving the return box from them, to wait from 7 to 10 days. I received a collection notification from them on Friday XXXX XXXX for the amount of {$220.00}. Contacted Eastern Account System of Connecticut phone # XXXX and they advise me to contact XXXX.
I contacted XXXX again today XXXX XXXX and XXXX advise me to wait 7 to 10 days for the return box to arrive. I want to complaint about this. They are not sending the return box for me able to send the equipment back to them. They provide the XXXX location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where I went to dropped it on XX/XX/2022 and they have a box with different equipment 's on the floor but there was nobody on the site collecting them. It was raining and I contacted XXXX to let them know I was not able to see anybody to return the box but just a box outside getting wet. They advise me to drop it there and wait up to 10 days. I asked them for the box and until now XXXX XXXX not receiving any box. What can I do?
|
| 09/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I had been a loyal customer of XXXX XXXX XXXX for over twenty five years. I switched services ( closed my account with XXXX ) on XXXX XXXX, 2016. Eastern Account Systems, per XXXX XXXX XXXX ( called twice on XXXX XXXX, 2016 ) told me they ( EAS ) received this account ( # XXXX ) in their office on XXXX XXXX, 2016 a mere twenty two days after my account was closed. My account with XXXX XXXX XXXX was not past due nor was it delinquent. My private and personal account information including S.S. #, phone number, D.O.B. and XXXX address were all given to a third party debt collector before the account was delinquent or even past due. The company stands by this policy as answered in XXXX XXXX XXXX complaint " ticket number XXXX ''. I was given an extremely hard time when trying to close my account and was subjected to many different departments all trying to retain my business. I took well over two hours XXXX simply close this account. These collection efforts are another effort to make me pay for my decision to terminate their service. As XXXX from XXXX told me " this is what happens to everyone that disconnects service with us ''.
Eastern Account Systems of Connecticut , Inc .
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 02/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I am sending this request for the third time in response to a notice I received from you, on several occasions I have one disputed the item two sent 2 complaints in regards to this matter.This is not a request for " verification '' or proof my mailing address, but a request for Validation made pursuant to the above named Title " XXXX '' I respectfully requested that i was provided with competent evidence that I have any legal obligation to you. What I have not received was the following -- -- verification or copy of any judgement if applicable -- -- prove the statue of limitations has not expired on this account -- -- show me that you are licensed to collect in my state, and -- -- -provide me with your license numbers and registered agent If your offices have not reported invalidated information to any of these three major Credit Bureau 's ( XXXX , XXXX or XXXX , ) said action might constitute fraud under both Federal and State Laws.due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate bringing legal action against you for the following Violation of the Fair Credit reporting Act Violation of the Fair Debit Collection Practices Act Defamation Of Character
|
| 10/02/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
In response to the previous complaint First of all that is not accurate you are in fact reporting it as paid as proof by my documentation provided by XXXX when it should have been removed.
Secondly, the documents have already been provided to you via certified mail that prove there is NO DEBT and will not be provided again.
Thirdly the secondary document was provided by you, eastern account systems, and was what you sent me in an attempt of validation of debt after I disputed it with you. What you sent me and lets be perfectly clear Was a statement with a zero balance. You sent it to me so You cant really be this XXXX XXXX.
I have ample documentation and your continuing to pursue this matter despite having all the facts and a preponderance of evidence in negligence and intent to inflict harm. Good luck arguing against the now 4 fcra violations ..
You do not have permission to contact me again regarding this matter ( 4 fcra violations now ) the information will be removed from each credit bureaus regardless of what you keep attempting because I have the facts and documents so your only wasting your own time but hey XXXX XXXX again Ill surely enjoy that XXXX per violation since its so evident you have negligently and willfully harmed me.
|
| 09/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
3 years ago we moved and our final bill was paid to XXXX. A few months later I received a bill from a collection agency in the amount of {$280.00} on behalf of XXXX. I immediately contacted them and told them I paid this to XXXX. Back and forth between them and XXXX, XXXX states they did not receive my last payment. At that point I paid this to XXXX XXXX XXXX. It is still showing as a collection account and the terms are showing one month. My wife keeps calling this company asking them to remove this and they keep shutting her down and stating you knew you were calling a collection agency and you paid a collection agency! We paid it because we had no choice because XXXX asked us to. My wife was told this account was not being reported because it was less than a month. We paid this account immediately when we found this error. This is hindering my ability to obtain a mortgage all over {$280.00}! I need this removed and I can not get anywhere with this company. They are ignorant and treat my wife like she is a low life who does not pay the bills. I do not have any other negative information on my credit report but this. It has been 3 years and they are still reporting negative information all for {$280.00} that was paid immediately.
|
| 07/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX DOS : XX/XX/XXXX went to XXXX. My Medical Ins Requires I pay {$80.00} copay. Copay was paid to XXXX XXXX XXXX, however, XXXX XXXX XXXX has continued to collect and report on my CR. XXXX XXXX billed was {$570.00}. I paid 2 payments, XX/XX/XXXX & XX/XX/XXXX of {$25.00} each. Which I am due a REFUND. XXXX XXXX XXXX were included in the hospital bill submitted by XXXX XXXX XXXX claim. I pd my required {$80.00} copay. For 2.5 years I've spent hours & hours contacting my Ins. company & XXXX, even conferencing in the 2 companies with myself to resolve this issue prior to it going to collections!! I have made several disputes through XXXX XXXX, including one today, XX/XX/XXXX to resolve. It indicates to contact XXXX directly. I tried on-line today to dispute and appears I have to pay {$19.00} membership. I have previously submitted documents on-line via XXXX XXXX & XXXX. My Credit report indicates marked derogatory. XXXX XXXX owes me a refund of {$50.00} and my Credit reports need the collection removed. This happened before and took 5 years for me to get it removed from my CRs.
Why does this happen? When you have a copay via medical insurance and are still billed for a service that was contracted and included in the copay??
|
| 10/08/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have two accounts from the same collection agency Eastern account system # XXXX and # XXXX. I have no knowledge nor was I contacted about this debt. I never received a phone nor did I receive a bill or statement of these two accounts. I have called to see what the debts were the man on the phone said it name was XXXX and that I owed nearly XXXX. He explained it was for medical bills. Any medical bills I had were paid by my insurance. He advised one was for a medical scan and the other was medical testing. I disputed these bills after never receiving validation. Per credit report it states unable to locate. My credit report and doctors whom I still use currently have accurate information and neither my doctors nor creditor agency have a issue locating me. I have never been made aware that is a bill/bills with unpaid amounts of money. I would like validation and all proof that these debts. Never received information nor option to dispute the information reported to XXXX.
Acct number ending in XXXX is dated XX/XX/XXXX {$350.00} Acct number ending in XXXX is dated. XX/XX/XXXX {$370.00} The amounts of money are similar.
Recently XXXX reports that collection agency attached one of the accounts as a brand new collection.
|
| 01/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
This company Eastern Account Systems randomly appeared on my credit report in XXXX stating I owed approximately {$2500.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from just a couple years prior. I did not open the account and did in fact dispute this account but apparently it was somehow verified. However, from XXXX to XXXX I was incarcerated in the glorious XXXX XXXX XXXX system, XXXX to a XXXX XXXX where I live for another 2 years and then to XXXX XXXX which is where I reside today. None of the housing situations I just explained require anyone to need ANY utilities of there own or at all really. Not to mention the timeline does not allow me to open an account like this from XXXX to today. And if this account is older than XXXX its too old to be on my credit report. I have asked XXXX to take it down but from what I hear they are not easy to work with and In my situation I was basically ignored and the account remains on my report where it doesn't belong. Not to mention I was never contacted by XXXX or XXXX regarding any of this it was all a complete surprise. My attorney and checking to see if there is any legal or civil actions I can take against this company unless this report is removed in a timely manor.
|
| 04/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I opened an account with XXXX after moving to a new address. At installation I was told that I had 60 days to cancel service if not satisfied. After receiving my first bill, I was charged for a premier package that I did not authorize and charged installation, and various other charges such as pay per view movies at XXXX each. I called XXXX IMMEDIATELY regarding these charges and was told that someone called in and made these changes which was not me or anyone in my household as nobody was home during the times they stated. I told them I was cancelling and they told me no problem they would zero out the {$620.00} bill. Well to no surprise after reading other peoples comments on XXXX XXXX page they did not do as they said. Seems to be quite an issue of them overcharging and saying oh well well send you to collections. I disputed the collection account with XXXX which they did find fraudulent and was removed. XXXX said the consumer disputed my dispute and was not removed and I just submitted the dispute to XXXX. I need to have this removed from my credit IMMEDIATELY before I have to involve an attorney for the company fraudulently using my social security number to try and overcharge me for something I did not consent.
|
| 05/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
So it seems maybe I entered my follow up complaint of this company incorrectly. This is a follow up complaint to my initial complaint. This third party debt collector Eastern Account Systems stated they received my validation request XX/XX/22. This was a lie that I have proof of which I will include again. They received my Debt Validation request XX/XX/22. In any event, I still have YET to receive any correspondence from this third party debt collector except for their response to me filing a claim with you the CFPB. According to the law, they need to respond to my request XXXX writing with ALL of the contents Ive requested pursuant to XXXX XXXX XXXX. This company DID NOT respond whatsoever to my request within the allotted 30 day time frame from XX/XX/22 ( in which I have proof they received it ) or the XX/XX/22 in which they claim. Pursuant to this law, my debt is INVALIDATED AND NEEDS TO BE REMOVED FROM MY CONSUMER REPORTS AS WELL I A SEEKING DAMAGE RELIEF. It may have seemed like a duplicate complaint, but it was actually addressing Eastern Account Systems response. Also, If they had any legal right to collect on this alleged debt, they would not have to seek any validating information from anyone else.
|
| 11/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My Name is XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. I have been legally XXXX for 7 years due to XXXX. I have never lived outside of Illinois due to my XXXX. During XXXX I was hospitalized for XXXX weeks fighting for my life and after XXXX I am now living on XXXX XXXX throughout the day. I am needed to move to a be care location and was informed that my credit needs to be at least XXXX in order to qualify. After pulling my credit, I learned that I am not eligible due to my low score. I discovered many errors on my credit report and fraudulent usage. After contacting credit bureaus most reporting creditors were removed due to never living in California, Texas and Virginia at the same time and while XXXX and hospitalized with XXXX. EASTERN ACCOUNT STSTEM ACCT # XXXX remains on my credit today even after showing proof of my residence. The company is reporting that I lived in XXXX Maine. I have never visit and can not point to it on a Map, even if I had vision. I am not certain what service was used in my name but they are unwilling to share. perhaps we could find out who lives there and arrest the user or owner. Further more, I have a voucher ( section 8 ) and I have lived on a XXXX for 7 years in illinois.
|
| 01/14/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
On XX/XX/2016, I was involved in an accident where i had to be taken to the hospital. Somehow, my social was written wrong and XXXX did n't cover it until i spoke with them, and they corrected it leaving me with a 0 dollar deductible and 0 dollars owed. XXXX mailed a letter that stated " we received an inquiry regarding patient billing on the above claim. the patient 's cost share and/or copayment was {$0.00}, and we applied {$0.00} towards the patient 's deductible. the claim originally denied because it was submitted with an incorrect member identification number. this has since been corrected and the claim has been paid, leaving no patient responsibility.
our files show that although you are not the network provider, your claim was submitted indicating you agreed to accept assignment. therefore, you have agreed to accept the XXXX maximum allowable charge as payment in full. the beneficiary is only responsible for copayments, cost shares, and/or deductible amounts. if the patient paid more than the copayment, cost share, and/or deductible for these services, please refund the payment to the patient within 30 days from the date of this letter. '' somehow this still is being charged as a collection.
|
| 11/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is a phone debt for my mother in law for XXXX. She passed away on XX/XX/2022. We attempted to contact them to close out the phone & settle up the bill. We needed a PIN before they could talk to us, which we had no clue what it was. They said they would need to mail us the info that we would need to provide before they could do anything. We let them know that there is an 'autopay ' that is being paid to them & that it needs to stop b/c that account had been closed. It was pulled b/c we didn't know the PIN. We were charged a {$25.00} returned payment fee.
The final bill came for {$88.00}. Being that we owed {$63.00} for her existing service, we paid it but did NOT include the {$25.00} charge. We tried calling them to have them reverse the fee b/c the charge came in well after she had passed away, but we were told 'it 's a computer-generated fee ' & refused to waive it. We paid the {$63.00} only.
For one, this is not our debt. Two, they charged {$25.00} for a deceased account when we had tried to clean up everything & wouldn't work with us, even though we had the XXXX XXXX. Three, it was for a returned check fee & they even though they can see how everything went down, refuse to waive it.
|
| 08/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
1. On the credit report from XXXX, there is a " collection '' record from EASTERN ACCOUNT SYSTEM. The balance is {$560.00} first reported on XX/XX/XXXX. On " Payment History '' it shows " Failed to Pay '' on XX/XX/XXXX. 2. A check was made payable to XXXX XXXX XXXX dated XX/XX/XXXX with the amount of {$560.00}. ( this is the exact amount of service requested, rounded up in credit report to {$560.00} ) 3. OnXX/XX/XXXX, the same check was deposited by XXXX XXXX XXXX in XXXX CT with proof of check image attached.
4. The credit report is incorrectly showing " Failed to Pay '' on XX/XX/XXXX, this collection is reported 3 years after the check was deposited by XXXX XXXX in XX/XX/XXXX 5. An online dispute was submitted to XXXX to correct this. However, XXXX did not make the proper correction and still shows this collection record and " FAILED TO PAY '' in current credit report 6. A email was sent to EASTERN ACCOUNT SYSTEM requesting correction. No response was ever received.
7. Called XXXX XXXX XXXX Office and was promised to correct the record but it never happened.
8. A mortgage loan was rejected from XXXX XXXX XXXX in XX/XX/XXXX due to the false record of collections showed inXX/XX/XXXX
|
| 11/14/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am purchasing a home, When my credit report was run a Medical collection came up from a XXXX XXXX for XXXX they said they performed sevices in XX/XX/2015 I checked with my doctor and my records show no procedure was performed in XX/XX/XXXX of that year I did have a proceedure done in XX/XX/XXXX at a hospital where my insurance covered 100 % I contacted the Collection agency Eastern Account Systems They told me that XXXX who administers the Self funded Plan for XXXX County XXXX XXXX XXXX plan was disputing the charge. The Collection agency did not have the billing statements for the debt. When I told them that there was no record of the procedure the agent told me they would request a copy of the billing and get back to me when they had heard back from them. Also when I researched the XXXX XXXX I could find no record of them. XXXX county has been in touch and said that the XXXX procedure would normally be covered and they contacted XXXX who said they don '' t have access to the records and I would have to request in writing for them to search there archieves.My closing is XX/XX/XXXX the mortgage specilist assigned to me said that one collection is affecting my score almost 40 points
|
| 02/04/2024 |
Yes |
- Debt collection
- Telecommunications debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
XXXX XXXX, FL XXXX You have to call or go into the store to cancel your internet-TV service. You can't email them or go to the website to do it but you can activate a new account that way. That in itself should be changed. So I cancelled my service on XX/XX/XXXX via a phone call to customer service. It showed cancelled in the billing on XXXX on their account page. Then somehow was reactivated on XXXX after I sent all the equipment back via XXXX then next day XXXX. I called and cancelled again in XXXX and he said the account wasn't showing cancelled, SO again I cancelled it. I received another bill, and called again and was told to ignore it as it wasn't showing the credit of the equipment yet. Then on XX/XX/XXXX I posted to the billing support group who advised me to go to the chat feature about it and no result.
Months later I started receiving collection calls, This is all for {$100.00} and as I told them during the 3 calls I made to XXXX I am not about to pay for something I didn't even have access to as I had returned the equipment and had no access to the service after XXXX.
Now another collection agent Easter Account System of Connecticut is trying to again collect.
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| 03/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Older American |
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In XX/XX/2020 I cancelled service with XXXX! In that process I overpaid them by {$100.00} ( XXXX Statement included ). When I realized that, I put a stop payment on the check since I had been having billing issues with XXXX, such as ongoing fee increases. ( copy of check and stop payment fee of {$30.00} statement from credit union attached ).
In the interim, XXXX sent me a letter acknowledging the overpayment and then sent me a debit card. I did not activate the card since it was not my money to have and shredded it. ( I do not have the letter or card ).
I started getting contacted by Eastern Account System of Connecticut for the {$100.00} amount, which I assume is the amount that was on the debit card. I contacted their XXXX # and was advised they would put a flag on my account as disputed. I then received a letter from them stating they had put a lien on my accounts with the credit agencies ( copy of my response to Eastern Account attached ) My credit rating has now dropped from XXXX to XXXX, a XXXX point drop in one month due to their action ( copy of credit score trend attached ). Can you assist in helping clear this matter and get my credit rating restored?
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| 04/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have made this same complaint regarding XXXX. XXXX keeps deleting my mortgage with XXXX XXXX XXXX ( XXXX ) off of my credit report. Equifax recently added my mortgage back to my credit report, but as of XX/XX/XXXX, it is reporting that my account is closed and has a {$0.00} balance. This messes up my credit age, the amount of my revolving accounts, and the mix of my accounts. This is affecting my credit score and my ability to refinance my home. This is incorrect as my mortgage should be reported as open as I am still paying on it.
My credit card with XXXX XXXX was recently removed from my account, and I don't know why as this is my account and it is open. Please add back to my credit report.
I do not see XXXX XXXX XXXX on my credit report. Although this account was paid in full and closed in XX/XX/XXXX, it should still be reporting on my credit report.
Also, please note that XXXX XXXX is not my employer. I have been employed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX.
My XXXX account limit is {$6300.00}, the limit needs to be updated.
Again the two collection accounts with Eastern Account System do not belong to me.
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| 04/05/2021 |
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
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Web |
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I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to XXXX and XXXX regarding an account being reported by EASTERN ACCOUNT SYSTEM XXXX Original Creditor : XXXX XXXX XXXX ).
The letters were informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. I later realized that these medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job.
These letters were sent to both the credit reporting agencies and the collections agencies. XXXX responded that the account was unable to be verified and deleted it from my credit report but XXXX and XXXX failed respond to any of my complaints and continues to report this account as being 100 % accurate.
As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report. to this day the information is still being reported inaccurate and false information is being reported.
|
| 10/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
|
This company Eastern Account System is trying to collect {$350.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Eastern Account System with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Eastern Account System. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Eastern Account System. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
|
| 11/04/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This company Eastern Account System is trying to collect {$350.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Eastern Account System with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Eastern Account System. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Eastern Account System. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
|
| 10/25/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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XXXX XXXX sent me a bill via email XX/XX/23 to pay {$270.00} for dates of service XX/XX/23 to XX/XX/23. I contacted XXXX XXXX via phone to explain the bill. I was also on the Federal Broadband program. First I was told that my services were temporarily suspended XX/XX/23 and permanently disconnected XX/XX/23. Then I was told my services were disconnected XX/XX/23. I have called several times about the bill I received XX/XX/23 The billing reps had no idea what was going on with the bill. Calls were escalated and those reps couldn't tell me why I received a bill for dates XX/XX/23 to XX/XX/23 of service when I did not have service. I also requested a disconnect notice and have not received it.
I do not owe XXXX because I did not have service for the period XX/XX/23 to XX/XX/23.
Eastern Account System has reported this to all of the credit bureaus and has made a false and fraudulent representation of this dept as an installment as well as another that this is a collection that I agreed to. I do not have any agreements with Eastern Account System. This account should be removed from all of my credit reports and returned to XXXX XXXX.
|
| 01/17/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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This is in regard to the collection agency Eastern Account Systems, XXXX XXXX XXXX, XXXX, Ct, XXXX. My husband passed away in XX/XX/XXXX. In his files I found a notice addressed to him from EAS dated XX/XX/XXXX regarding a balance due to XXXX XXXX XXXX in XXXX, NY. I called the hospital 's patients accounts department, they told me that : the balance was paid at the time of service, they do not use EAS as their collection agency. I sent EAS a certified letter stating this information, citing the Fair Debt Collection Practices Act, and told them not to contact me again. In XX/XX/XXXX I got another notice from EAS stating that our son showed a balance due to the same hospital. I called the hospital and was told they did not use EAS as the collection agency. I was routed to the agency they do use and was told there was a XXXX balance on the account. I wrote a letter same as outlined above. In XX/XX/XXXX, I received a third notice from EAS stating that my husband showed a balance due to the same hospital -- this time I did not bother communicating with them. EAS uses unscrupulous methods to try to get payment for debts not owed.
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| 01/12/2024 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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In XX/XX/XXXX I received an email from my credit monitoring saying that an account was placed in collections. I had no info so I called the collection agency to find out what it was. It showed for an account from XXXX for {$320.00}. I already have a current account with XXXX. So I would have no need for another. I called XXXX and they keep giving me the runaround. Wouldn't give information stating that I need to supply info to them. I sent them a copy of my DL that shows my address. It's the same address that I've had for 5 years. I was also told by the collection agency that my maiden name was listed on the account which is a name that I haven't used in 20 years. This account was opened from what I understand in XXXX. My credit history shows the addresses and names that I've used. The address listed on the account is not an address that's ever been affiliated to me. XXXX and credit agencies refuse to thoroughly investigate. Was also told by a XXXX rep that there was no SS # provided to open this account. This tells me that this was an inside job by a XXXX employee, opening up fake accounts. My address history is attached.
|
| 10/15/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I have been disputing with a collection agency by the name of Eastern Account System that has reported a bill to the credit reports that is inaccurate. The company was contacted numerous times in writing and by telephone. I have certified letters that were sent to the company dating XX/XX/2019, XXXX 2019, and my third letter will go out tomorrow as that will be another 30 days the company has refused to reply.
In my letters to the company, I requested validation, made pursuant from the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, to validate competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Eastern Account System.
Also, I had informed them that any negative marks found on my credit report XXXX from their company or any company that they represent, for a debt that I DON'T owe, is a violation of the FCRA & FDCPA ; therefore, if Eastern Account System can not validate the debt, they must request that all crediting reporting agencies delete the entry.
Again, they have not sent any evidence nor have they responded to any of my letters.
|
| 08/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
Older American, Servicemember |
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Eastern has not tried to provide real information on my credit reports. They use ready made answers to avoid having to actually verify a debt that their clients claim. Why is it that a Mortgage, car loan, bank loan, credit card, pay day loan or any other debt EXCEPT a false medical debt, includes two things : 1 ) A Contractual agreement. 2 ) A SIGNATURE. How is it? If the Consumer Finance Protection Agency will not help then perhaps the Texas Courts will. It is illegal to put false claims on ones credit, yet, Eastern has done it for their client. There is no proof of my being given the opportunity to challenge their false claims by notice as required by law. They only say so, no proof of service. They claim I owe money, yet they can not provide a contractual agreement or any other document save their invoice. Anyone can make up one of those. Thank goodness not many other crooks do this. Their placing this on my credit reports is just blackmail to get me to pay something I don't really owe. Texas law does not allow for any debt to be claimed or collected without a signed contract. Both parties must be signatories.
|
| 03/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I recently disputed a medical account with Eastern Account System in to validate an account on XXXX In which they received by mail on XX/XX/2020 at XXXX XXXX and still to this day I have not received a single letter for them. I think this is very unprofessional from a company to not respond to a request and this is over 4 months old and I've been patient enough and now I want answers I want them to validate this debts I have with their company. I asked them to provide my HIPPA release because I understand that the HIPPA does allow for limited information about me but any details may only be revealed with the patient authorization but I do not remember signing for them to release my medical information to any collection agencies including this one.
I want them to provide a copy of my signature with the provider of service to release my information to Eastern Account System. I will provide proof of documentation that I sent the company and will provide the certified Mail receipt with tracking number so you can review I feel really disappointed having to wait over 4 months and never to be responded to.
|
| 02/17/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
Servicemember |
|
My Father passed away XXXX and had to move locations. Living at my new location I have not received any information regarding this debt from Eastern Account System. I was unaware of this and it was sent to collections. This XXXX XXXX my wife and I will be XXXX. We were aware of this debit while reviewing my credit score during our process of trying to purchase a home. If I knew this debit it would of been paid off in full along time ago if I received any statements or letters. On XXXX/XXXX/XXXX I have paid all debit in full and I am requesting this to be taken off my credit. When reaching out to Eastern Account System they seemed to not empathize with how important this is to be taken off. They also did not give me any options on how this can be erased. My wife tried contacting Eastern Account System leaving messages to the Manager XXXX. We have yet to hear back from them. I know if they are a collection agency it can be very frustrating to not be able to collect money from people and the same goes for me. I am frustrated that because I paid in full they do not care to contact me back to erase this.
|
| 08/02/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Older American, Servicemember |
|
XXXX XXXX has sent an invoice from XXXX XXXX XXXX which has several charges that are duplicates or over charges for the same procedures. They seem to be padding their bill, on top of the fact that it was never sent to my address. It also clearly lacks any signature by me. Furthermore, it clearly does not disclose that I am in any way liable for the billing or was ever made aware that I would be. After further investigation on my part, I have found that ; since I never asked for credit from XXXX XXXX XXXX and never contracted to pay them, they have no right to act as though I did! This means they have no right to place it in Collections or place it on my credit reports. In Texas they must have written, contractual, signed permission to inquire of my credit report and to post to it. Further, they have yet to prove they ever sent me a notice, as I have stated numerous times before. In Eastern 's reply to my last complaint, they admitted as much when they claimed they had sent notice twice and made no reference to XXXX 's having done so and on which dates. Never the less, none were ever sent to me.
|
| 04/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
|
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EASTERN ACCOUNT SYSTEM Account # XXXX have a a unverified account from EASTERN ACCOUNT SYSTEM. I had previously disputed this account this account. I have never done business with EASTERN ACCOUNT SYSTEM. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt EASTERN ACCOUNT SYSTEM purport I owe. I request thatEASTERN ACCOUNT SYSTEM Provide verification of the following : XXXX. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that EASTERN ACCOUNT SYSTEM Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
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| 03/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
|
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I received a notification from Eastern Account System of Connecticut, INC dated XXXX/XXXX/16. The statement indicates a balance of {$77.00} due from the original vendor, XXXX XXXX XXXX. The notice reads : Your account has been placed with this office for collection. To avoid further collection activity, pay it in full. If you can not pay in full or have a problem, contact this office.
On XXXX/XXXX/16 I contacted XXXX XXXX XXXX to inquire about a recent bill I received from them indicating a balance owed of {$21.00}. In my discussion with XXXX XXXX they verified my service was disconnected on XXXX/XXXX/16. I was being billed for unreturned equipment. This equipment was returned on XXXX/XXXX/16. The CSR from XXXX XXXX indicated that my account would be updated and a credit balance of {$55.00} would be returned to me. I then asked the CSR if this account had been submitted to Easter Account System of Connecticut and the CSR responded by saying no.
I then attempted to call Eastern Account System of Connecticut on XXXX/XXXX/16 and the number listed ( XXXX ) only goes to voicemail.
|
| 10/01/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Ample documents have been provided to you, eastern account systems, all of which have provied there was never a debt owed and XXXX radiological was to be responsible for any balance. This information has been provided to you, eastern collections via certified mail. Yet you have continued to ignore it and willfully and intentionally violated fcra causing me damages.
I find it concerning that The balance line that you speak of in our last complaint ( which was specifically sent to me AFTER I disputed this erroneous debt by your company, eastern account systems ) was noted and reflected as zero. This information was also provided to the Texas attorney general as well as CFPB. My current credit report lists this as a paid debt and not a removed debt as you claim. ( Your third fcra violation by the way ) You were provided the information to dispute the debt via certified mail and placed it for collections regardless another of your many fcra violations. At this point I am seeking legal counsel and you can consider this my intent to sue. Do not contact me again regarding this manor.
|
| 06/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I previously put in COMPLAINT on Eastern Account Systems. I told them the account they have ILLEGALLY put on my credit is NOT MINES. I provided an identity theft report and a note to furnisher since i NEVER received documentation of this alleged debt. The responded and stated i needed to contact WOW and complete an identity theft report with them and file a report with the police. I contacted wow and they could not pull me up because the debt was sold to EAS so they can no longer complete an identity theft report. I tried to call EAS to do the dispute with them but i do not feel comfortable giving y information for a debt that is not mines. I do not have an account number for this alleged debt or address. My address is XXXX XXXX XXXX XXXX, AL XXXX. I've STAYED HERE FOR OVER 5 YEARS. I was told a letter was sent to me about the debt, but i have never received a letter, EVER. I am attaching the identity theft report again and the police report i had the XXXX police waste their time completing. THE WOW ACCOUNT DOES NOT BELONG TO ME. Where i stay WOW is not even a service provider.
|
| 04/04/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
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After reviewing my credit profile on XX/XX/XXXX. I identified discrepancy with account listed under EASTERN ACCOUNT SYSTEM and validation was requested as this was an account that I did not recognize. I reviewed my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. This company has been threatening me saying they are attorneys and I'm being sued. 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.
|
| 01/16/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I sent the credit bureaus letters asking them to verify a debts on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies.
15 U.S.C 1681s-2 ( A ) ( 1 ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
According to XXXX this company does not have a license to collect ANY debt in the state of Texas.
I would like to know how this company is reporting an alleged collections account as an open account with a past due amount as valid and accurate. This alleged account is listed as a Collection with a PAST DUE BALANCE OF {$260.00} - ACCOUNT # XXXX This is a violation of FCRA and also in violation of requisite XXXX XXXX COMPLIANT reporting standards and must be permanently removed from my consumer report. If you can not provide me with your method of validation then please delete due to inaccurate reporting.
|
| 11/05/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
There are two medical bills from XXXX Hospital, one from XX/XX/XXXX and one from XX/XX/XXXX that is now in the hands of Eastern Account Systems a collection agency. This hospital either failed to submit to the insurance companies or is trying to get paid twice for the same bill. I never received a bill from the hospital for services stated above only an invoice from the Collection Agency dated XX/XX/XXXX. My insurance companies of XXXX and XXXX would of covered the services on the dates mentioned above. Now I have a Collection Account on my credit reports from the shady Eastern Account Systems. I was forced to hire a Financial Consultant to assist me with this scam company. They refused to work with him stating they " are not authorized '' to speak with a third party. Who gives them such authorization? It cant be me since technically its not my account and they are not even authorized to speak with me since there is a cease and desist order! All this company did was send me a shady so called " invoice '' that looks made up and is not even verifiable.
|
| 12/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
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Web |
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I contacted Eastern Account Systems multiple times through phone calls and letters for a contract that this debt is my debt. I have not signed a contract with Eastern Account Systems. Easter Account Systems sent a bill summary from my doctor 's office. This is not a contract with my signature that I have a debt with Eastern Account, on the bill it has been written off which means Easter Accounts has paid a small amount for this debt to try to collect from me, which is we do not have a contract that states it is my debt. Additionally. I live in NC, Eastern account is not license to collect from me in NC. I have attached the bill with the NC address and I also have attached the states Eastern Accounts is license to work in. NC is not one which means they have not authority to even attempt to collect the debt, which once again I do not have a contract for or signed stating this is my debt.
Additionally, XXXX deleted this collection account off my credit report and according to the law all credit agencies must report that same information.
|
| 07/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
On or about XX/XX/XXXX, I noticed a sudden massive drop in my 800+ FICO scores. Upon checking, I discovered that a negative comment had been logged by a collection agency in XXXX. ( Eastern Account System of XXXX XXXX XXXX ) I called the agency. They were very unprofessional and uncooperative when I asked for the reason behind their claim. I asked for copies of any evidence they claimed they had. To date, I have received nothing.
I disputed the claim with the credit bureaus but they tell me that I have to obtain any corroborating evidence from the non-communicative agency.
According to what I see on my credit report, this pertains to a non-payment to XXXX XXXX XXXX XXXX in XXXX of XXXX. While we did live in XXXX, we moved to XXXX in XX/XX/XXXX and have no knowledge of any debts. You can tell from my credit history that I have been paying my bills on time for over 50 years!!!
This collection agency never contacted me before filing negative comments on my credit history. I have no idea who they are nor what they want, nor why ...
|
| 09/17/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I have been more involved on what 's being reported on my credit report. I signed up for XXXX and noticed that there was a collection on my report that I was n't aware was on there. I called the original creditor which was XXXX and spoke to a rep. I provided my information the rep and informed her that XXXX is reporting me to a collection agency in which I currently had service with them. I provided the rep with additional info to search for this account that 's in collections and the rep provided me with an address that I have never resided. I informed the rep that I have a fraud alert on my credit report due to my identity being used before which the rep noted on this fraudulent account she pulled up. I thought thing would be resolve but it was still appearing on my credit report. I then disputed online to the collection agency who is reporting me in which after the investigation the results was that the debt was valid. I never lived at this address, never agreed to this fraudulent debt being mine, and never owed any debt to XXXX.
|
| 12/04/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
The medical bill is wrongly billed. Instead of medical office billing government insurance issued from medicate and or workers compensation from the United States postal service they have falsely billed me. I tried contacting medical office but everyone keeps giving me the run around stating I need to speak to another person. I contacted debt collector and they stated I have to specific information such as workers compensation case number and etc. They also said to have my medicate insurance policy number in which led me to call medical office so I can retrieve this old information. I have given all this information to medical office when I was seen and yet they still billed me wrong. I shouldnt have to suffer any longer for medical office mistake. Depot collector should verify information since they took the debt. Both parties need to communicate and vindicate my name / credit because I am not responsible for this debt. Please help me because no one at the medical office is willing to help me with any information of billing.
|
| 01/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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My mother, XXXX XXXX, lived in a XXXX XXXX XXXX before she passed away. I opened a cable TV account for her in my name with XXXX/XXXX. The account was a direct bill to my credit card. When my mother passed away I called XXXX to cancel the service and a few days thereafter, I returned the equipment that belonged to XXXX. The next billing period on my credit card I saw a monthly charge on my credit card for the cable TV service. I called XXXX and have documentation that the charge was removed from my credit card service company. Since then, a company representing to be Eastern Account Systems, has been calling me ( several times ) trying to collect the monthly charge for the cable Tv service that XXXX removed. I've tried to explain to them that there was an error on XXXX part and the charge was removed but Eastern is trying to get me to pay the charge. The Eastern Account Systems phone number they call from is XXXX. I'm told by the last person that called me from Eastern that the owners of this company are XXXX and XXXX XXXX.
|
| 07/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
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I have been receiving a phone call that leaves a voicemail that is as follows : XXXX Voicemail We have an important message from Eastern account system. This is a call from a debt collector. Please call XXXX.
Upon calling this number, it went straight to voicemail. The last two times I picked up when this number called, I asked the caller to identify why they were calling and what the call was in regards to. The first time prompted the caller to hang up as they would refuse to talk until I verified who I was. The second time the caller exhibited the same behavior and I asked that they again identify what the call was about and again they refused.
Today I received a letter from the same company ( Eastern Account System ), and they claim there is a service balance due on my cable bill. Upon talking to the cable company they believe that I am a victim of fraud and recommended contacting a credit monitoring service. My credit monitoring service directed me to file a complaint, and if the caller persists file a police report.
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| 10/31/2023 |
Yes |
- Debt collection
- Telecommunications debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX sent an account that I was to be removed from years ago to collections for equipment that was returned years ago. My email address was still tied to the account. While XXXX accepted the actual account holders documentation that I was no longer responsible for the account and per csr sent Eastern account services a notice to pull the derogatory information. They have refused to do so and have resubmitted since they were told the information was incorrect per my conversations with XXXX. They have added an address to my credit report where the infraction occurred. I have never lived there. I was never contacted before this was sent to collections by XXXX who I hold a current account with that has never been late ( autodraft ) or Eastern Account systems inc. who has an obligation to do so. They were contacting the account holder and sending me to collections. My rights as a consumer were and continue to be violated by Eastern account systems. From looking on line they have roughly one complaint a day sent in to the cfpb.
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| 09/24/2022 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I Sent a certified letter to the Eastern Account Debt collection agency on XX/XX/XXXX asking for validation of contract I have with Eastern Account according to the Fair Debt Collection Act and FCRA and any information Eastern Account has on file with my signature to validate the debt of XXXX dollars is my debt that is listed on my credit report.
The debt collection agency has not responded to my request of asking for information. In fact it was updated on XX/XX/XXXX on the credit reports again as late payments. I can not be late on account that I do not have a contract with. I asked Eastern Account to provide contract with a signature or remove the debt on my credit reports from the two credit reports.
( XXXX and XXXX ) Additionally, the Debt account is being reported differently on 2 different credit reports with different with different account numbers.
I understand my rights and this is defamation, negligent enablement of identity fraud. I plan to pursue my rights by any means until this is resolved immediately.
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| 06/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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On or around XX/XX/2023 received a letter from Eastern XXXX System # XXXX requesting verification/ validation of original application/agreement no reply disputed with XXXX XXXX XXXX account came back verified/FCRA requirements meet how is this when collection agency didnt respond to my letter XXXX is reporting inaccurate, incomplete an non verified information on my consumer report I thought everything is supposed to be 100 % percent accurate this is a direct violation of XXXX regulations, my consumer rights under the FCRA an FDCPA 15 USC 1692a ( a ) without consent of consumer/court jurisdiction a debt collector may not communicate with a consumer in regards to any debt 15 USC1692 ( e ) ( 8 ) failure to communicate debt is disputed 15 USC 1692g ( 4 ) notice of debt content FCRA 15 USC 1681b permissable purpose 15 USC 1681c ( a ) ( 4 ) information excluded from consumer reports 15 USC 1681e Accuracy of report 15 1681s-2 ( A ) ( B ) reporting with actual knowledge of errors an after notice of confirmation of errors
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| 12/12/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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This company without conduct any validation process reported a debt that docent belong to me, in my XXXX credit report ; this unverified information causing me to get denied a car loan. Section 1006.30 ( a ) ( 1 ) provides, in relevant part, that a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ), information about a debt before taking one of the actions described in 1006.30 ( a ) ( 1 ) ( i ) or ( ii ). Each of the actions includes conveying information about the debt to the consumer. The validation information required by 1006.34 ( c ), including such information if provided in a validation notice, is information about the debt.15 U.S.C 1681 section 602 A. States I have the right to privacy. S15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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| 03/19/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I had a hospital bill that I was unaware of because they called a phone number that was outdated and did not send notices to my updated mailing address. As soon as I found out about the debt I processed payment to have the account settled. I requested for deletion of the account because I was unaware of the account, but those requests are being denied for a policy that they refuse to provide me in writing. The first request for deletion was in XXXX of XXXX, then again in XXXX of XXXX, following XXXX of XXXX. I have yet to receive any formal policy in writing why this medical account can not be deleted from my credit profile. The response I receive verbally is because of the age of the account and the date in which I made payment. They did confirm with me that all notices and collection attempts were made to outdated contact information. I verbally informed the company that I will be filing a complaint and that I feel that the continued reporting of this account is in violation of HIPPA laws and regulations.
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| 07/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Older American, Servicemember |
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I never contacted, contracted, hired or caused XXXX XXXX XXXX to do anything for me that I am obligated in any way to pay them for.
They have no agreement or any other legal claim for payment from me. I owe them nothing, I don't even know who they are.
I have never been contacted by them prior to them causing Eastern Accounts to place a collection item on my record with the CRA 's.
Just because XXXX XXXX verifies the amount, does not in any way prove that I owe them anything. I have no knowledge of why they think I do.
It's very simple to claim money. It is very difficult to prove you are owed, without any type of contract or other document, signed where I agree to pay or even have caused to be paid.
No company should do work or try to charge for work without some document stating that the person the are trying to collect from has knowledge of and agrees to the charges and intends to pay them for said services.
Provide written proof I hired a service from you and I'll pay it. Otherwise, I will not.
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| 07/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. As a result, this account should be deleted.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no co
nsumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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| 09/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Servicemember |
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On XX/XX/2022, I noticed on my credit report a collections being reported in the amount of {$1800.00}. I began the disputing process, and after waiting months for a resolution, on XX/XX/2022 I requested a debt validation letter from the collection company known as Eastern Account Systems. After waiting over 30 days, I called the aforementioned collection company to demand that the debt be removed. To which I was informed that a debt validation letter had already been sent to a previous address. I believe this is a blatant lie, as my address had been updated over a month prior to this company even receiving the debt with both the USPS and NYS DMV. In addition the USPS had instructions to forward any mail received to my current address for an additional 90 days. I believe this a a malicious violation of my rights guaranteed by the Fair Credit Reporting Act, and demand that not only the debt be removed from my credit report, but also I am compensated for my time and distress in regards to this matter
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| 05/10/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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The Collection Agency : Eastern Account System is reporting a Medicall Bill that is not mine of {$170.00} since XXXX. I called them back in XXXX and spoke with someone name XXXX and she explained me that this bill was related to medical bill under my daughters name from her pediatrician XXXX XXXX. I explained her that I got divorce in XXXX and faxed her my divorce agreement where it clearly states that I am not responsible for the medical bills. My exwife got a new job and changed her insurance company , XXXX XXXX was unable to update her file and decided to report the bill as uncollectable, funny as we still remain my daughters XXXX. Anyway, at that time, I had to suscribe to Experian to track this resolution and yes, after a couple of months it was removed. Years later, now in XX/XX/XXXX I did realize that the bill is again back in my Credit Report, this has impacted my FICO score and I was financially affected at the time I requested a car lease. I demand resolution and an a formal appology.
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| 10/22/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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i disputed these accounts with the creditor and the representative told me to stop disputing because it was reporting correctly and the information on my credit report is still reporting inaccurate information which is a violation of the FCRA also i have provide a copy of my account thats reporting inaccurately. i alos ask the company to provide the following Agreement with my information that was grant collection agency name the authority to collect this alleged debt.
Signed agreement debtor has made with debt collector, other verifiable proof debtor has a contractual obligation to pay debt collector Any agreement that bears the signature of debtor, wherein agreed to pay creditor.
All statement while this account was open.
Have any insurance claims been made by any creditor regarding this account?
Have any judgment been obtained by any creditor regarding this account?
Easternaccos ( WOW ) ACCT # XXXX XXXX inaccurate information Easternaccos ( WOW ) ACCT # XXXX-inaccurate information
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| 11/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
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I have reached out several times to this company and filed a dispute about this account. I have never lived here nor signed a lease agreement to this property. I have always lived at one address in XXXX, Georgia. This company has failed to comply with me as a consumer protecting my credit profile. In fact they are in huge violation of the FCRA and CFPB. I have informed them numerous times of the violation but instead they send stall letters, re-age the account by updating the date of last activity in hopes of keeping negative information on my profile. They have never provided me with proof or anything. I have been a victim of identity theft and they can retrieve the police report and FTC Report which is linked to my credit profile. This is a nightmare and I ask you please to remove this from my profile. When I spoke with XXXX they said they didnt care if I file a complaint with you guys because CFPB does no t matter and the rep hung up the phone on me. I ask you please to have this removed.
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| 07/25/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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In XX/XX/2018, I moved. I cancelled XXXX service at my old apartment on XX/XX/18 and then went into their office on XX/XX/18 to set up service at my new address since when I spoke to someone on XX/XX/XXXX, they said they were not able to simply transfer services between locations. While I was there, the agent offered to take payment for my final bill of {$60.00} at the old address, which I provided ( I still have the receipt from XX/XX/XXXX and my bank shows the payment went through on the next business day, Monday XX/XX/XXXX. ) XXXX has continued to email, mail, and call me about this final bill saying it is unpaid and has now turned it over to a collections agency, Eastern Accounts. The woman there was helpful when we spoke today and took a copy of my receipt to send to XXXX since the last payment the records they sent her reflect was from XX/XX/18 for {$110.00}. So far this week alone ( the week of XX/XX/18 ) I have received a piece of mail, an email, and a phone call about this.
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| 07/12/2018 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Older American, Servicemember |
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Eastern Acct. Systems has sent me a letter ( unsigned and undated ) which they said " enclosed, showed their verification of my debt '', that they had in collections for XXXX XXXX XXXX.
1 ) It shows an address for me at which I have never received mail. A good indication that their customer merely constructed a debt leveled against me and never notified me of same.
2 ) It has multiple charges for the same item # s.
3 ) It, in no way, shows any documentation signed by me or indicating I agreed to pay, nor that I had any knowledge of the charges.
What I have been given as support to their claims only validates my rejection of them. Incorrect addressing, dating that shows three dates of service and only 30 days or less, prior to being turned over for collection. Where is the evidence that they ever sent a notice or invoice notifying me of the claim and opportunity to deny same?
Nothing Eastern has sent in their XX/XX/XXXX post marked letter substantiates any part of their claims.
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| 08/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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On XX/XX/XXXX, I pulled a recent credit report to review my credit because I 'm in the process of establishing a business and I need to apply for a line of credit. I noticed there was a Collection entry by Eastern Account System that totally alarmed me. I was never notified that is account when it was added to my credit report in XX/XX/XXXX. My rights under the Fair Credit Reporting Act were violated because I would have disputed first this. I recently sent a dispute to all XXXX credit reporting agencies and of course it came back verified. How could this be? I 've been working extremely hard to maintain my credit report, and I would have addressed this immediately. And not to mention that I still have XXXX services and I have had services for years. Eastern Account Systems derogatory marks on my credit reports are preventing me from establishing a business line of credit and becoming a business owner. I had no knowledge of this account until recently and it ' does belong me.
|
| 02/21/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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This is not an inquiry it's a complaint. First, one of Eastern Account System 's employees XXXX XXXX has been unethical concerning a debt collection activity. Eastern Account Systems claims that I owe {$370.00} based on an account that I previously had with Wow cable. I paid Wow cable directly on XX/XX/2022. On this same day, I spoke with XXXX XXXX ( XXXX ) who acknowledged that I had paid the debt and told me to send the paperwork/receipt of payment via Wow and it would be taken care of. She said nothing of extra communication with Wow or anything that would've made me think there was anything else that needed to be done. Today, I call Eastern Account Systems and their epresentatives are still trying to collect a debt that I do not owe? I was told that Wow needed to send the paperwork over and that they had not done that. Well, I spoke with Wow today, they said they have sent the information that is needed. This is all unethical behavior and this account needs to be closed.
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| 12/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
Servicemember |
|
Eastern Account System , Inc. is attempting to collect a debt from me that is the result of identity theft. Eastern Account System , Inc. claims that the last four of my social security number matches that of the one used on the account, but the address that is listed on the account does not, nor has it ever belonged to me. The addresses listed on my consumer reports that Eastern Account System , Inc. has wrongfully and illegally placed this debt, as stated in my previous complaint, does not list the address for the alleged account. Furthermore, this points to the fact that Eastern Account System , Inc. and the credit bureaus did not do a proper investigation into this matter. In addition, Eastern Account System , Inc. sent a copy of a bill as validation of this debt. This is not a proper validation at all. As I previously stated in my initial complaint, there is more than one person in XXXX that has the same name as I do. This debt does not, nor has it ever belonged to me.
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| 05/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
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|
Web |
|
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HELP PLEASE!!!!
I was applying for a hybrid home equity loan. There is an old PAID delinquent MEDICAL account which the reporting company refuses to remove from my credit report. This one MEDICAL item has turned my credit score from XXXX to XXXX. It resulted in my not being able to get that particular loan and will result in higher interest rates for the next loan I am trying to secure. This one {$200.00} PAID item is going to cost me thousands of dollars over the length of the next loan.
I contacted the credit reporting company and they refuse to remove it from my record even though it is paid. It is criminal that this one very small {$200.00} collection has negatively affected my credit score to such an extent.
The item in question was a very old medical collection I wasn't even aware of. I had moved from XXXX to XXXX and was never made aware it even existed. I paid it several months ago when this debacle began yet they refuse to remove it from my record.
HELP!!!!!
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| 08/01/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
|
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On XXXX/XXXX/2015 I looked on my credit report and discovered there was A collection entry on my report that I was n't aware of nor did I know why it was there. The collection agency Eastern Account System reported to all 3 credit bureau that I have an unpaid bill balance to XXXX XXXX for the amount of {$1100.00}. Now The fair credit act states that I am supposed to be contacted by any one that collects a debt against me. I was not no notices no phone calls not even an email. Secondly, I have been a XXXX customer for 9 years or so and still to this very day. No deliquincies on my account nothing. Now how do I have another account with the same company open. Fraud this does not belong to me this should have never been reported and it should be removed right now!! People work had to mintain their lives every single and I do n't need his hindering me from my dreams. You have scarred my credit. My credit has taken a hit because of this and you need to rectify it right now
|
| 05/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
Servicemember |
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In XX/XX/2021, I became aware that Eastern Account System was reporting that I missed payments to XXXX XXXX. These accounts do not belong to me. I sent a letter to Eastern Account System on XX/XX/2021, notifying them of the error and requesting that they correct the error with the credit reporting bureaus. According to the USPS, the letter was received by Eastern Account System on XX/XX/2021. I also disputed the accounts with XXXX, XXXX, and XXXX. XXXX and XXXX removed the information from my report, but I'm still waiting to hear from XXXX. Today, I was notified by XXXX XXXX alert notification system that the accounts have one again been reported by Eastern Account System as delinquent accounts. I will have to now start a new dispute with the credit reporting bureaus. I still have not received a response from Eastern Account System to my XX/XX/2021, letter, even though they received my letter over two months ago. My credit score has dropped by over 100 points.
|
| 07/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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I pulled a copy of my credit report and notice the 3 major credit reporting agencies were reporting eastern account systems inc collections account. I ask them to do an investigation because I thought it was an error on their part. The credit reporting agencies responded stating that eastern account systems inc verified that the account is reporting accurately. I wrote a letter directly to them asking them for the following information Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). Full chain of assignments from charge off to present ( 7 ). If Purchase the debt from the original creditor then proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract To date I did not receive a response from them
|
| 01/16/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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XXXX5 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' EASTERN ACCOUNT SYSTEM financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent.
Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, EASTERN ACCOUNT SYSTEM whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
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| 11/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
In XXXX of this year I went to XXXX to begin cell phone service since I had just gotten a divorce and wanted a new phone and account. At that time I was told they could not offer me service because I had an outstanding bill. I have never had an outstanding bill. So I called XXXX and they directed me to a website that looked unofficial. On that website all it said was to fill out the form and submit my drivers license, social security card and other personal date that I was not willing to submit. I did speak to the collections agency a month later and they said not to worry about it because it was being being reported. I have had medical issues since then so I dropped it. Now I have disputed it through experience two times and no one can give me proof that it was my account. The company can not prove that I bought anything or signed anything from XXXX at my home address.
I need to know what next steps I can take to repair my credit Thank you XXXX XXXX
|
| 03/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
There was a debt of {$250.00} for a medical bill for my daughter reported by Eastern Account System. I do not have XXXX or XXXX XXXX of my daughter, her mother, my ex-wife, has XXXX XXXX of our daughter. I was unaware of a medical bill, or even that she visited the XXXX. I only found out about this debt from an alert on my XXXX account, once I saw the debt I paid it the same day I received the alert since it was such little money. I never once received a notification, all the bills went to my ex-wife place of residence and she never once informed me of this bill. Since she has XXXX XXXXXXXX, she uses her phone number and her address for the doctors records, hence why I never received or was aware of this bill. I called the doctors office, XXXX XXXX, to see if they can take this collection report of my credit report and they referred me to the collection agency Eastern Account System, I told them the situation and they were unable to help me.
|
| 09/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I received a Collections letter from Eastern Account System of Connecticut , INC . for Creditor XXXX XXXX.The letter was for a past due account payment in the amount of {$76.00}. I responded to XXXX XXXX and Eastern Account System of Connecticut with written correspondance attached to this document sent via USPS. No response from the above named participants have been sent to me.
On XX/XX/XXXX a credit service notified me of a collection account being attached to my credit report by Eastern Account Systems of Connecticut reducing my credit score by XXXX.
To highlight the letters attached : The account in question was closed on XX/XX/XXXX and payment rendered on XX/XX/XXXX in the amount of {$66.00} for the month of XXXX.
On XX/XX/XXXX the modem was returned by verfied XXXX deliver to XXXX XXXX.
The past due date letter XX/XX/XXXX is way past the termination of the account.
Please assist, thank you so much
|
| 12/01/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Have two medical collection accounts with Eastern Account one for {$210.00} and on for {$270.00}, I made a payment ( after weeks of trying to contact EAS- their phone system is horrible, no one returns your calls and they keep you on hold for half hour at a time ) on XX/XX/XXXX for both accounts for a total payment of {$490.00} which cleared my bank account on XX/XX/XXXX.
One of the accounts ( one for {$270.00} ) has reported closed and paid on my credit report, while the other one has not. I called EAS AFTER 3 hours of trying to reach someone I finally get growing, I was told they update on the XXXX of every month and I have to wait. I asked how is that possible since the other account was update on XX/XX/XXXX as closed and paid? I left a message for senior management- and I have n't heard back from anyone. How can the same company report one account closed and not he other when one check was n't paid for both accounts?
|
| 09/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
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 : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account 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/item which do not belong to me or were opened without my permission.
XXXX XXXXXXXX Date Opened : XX/XX/21 Balance : {$78.00} 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.
|
| 11/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XX/XX/2018 I canceled my cable and internet service with XXXX due my moving to an area that XXXX did not provide service for. Close to a month later I received a bill for XXXX dollars and XXXX cents. In early XX/XX/XXXX I spoke with a customer service rep and told her ( can not remember name ) that I was scheduling a payment. I scheduled the payment to come out mid XX/XX/XXXXand I AUTHORISED XXXX to debit my checking account for the amount owed. On XX/XX/XXXX they finally debited the amount from my checking account. On XX/XX/XXXX a debt collector mailed a collection letter to me that arrived to my address on XXXX stating that XXXX has placed me for collections with them. The companies name is Easter Account System of Connecticut. I have no idea when I was actually placed for collections however I was told by a customer service rep that as long as I scheduled the payment I wouldn't be placed for collections.
|
| 01/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have already filed a complaint earlier but would like to add on as I respond to the response the company gave. I would like clarification on how no HIPAA laws were violated as I never provided my signature to consent XXXX XXXX to disclose any of my information. Additionally, I called stating that my insurance was supposed to have paid in full and talked to a representative about it who said they would " get back to me via phone call '' to which they never did. I have never received any additional calls after that request. XXXX XXXX called me multiple times asking me to verify my insurance to which I did so the fact that this went to collections in the first place is beyond me. Lastly, I never received any mail from the collection agency. You state that it was never returned as undeliverable but this would mean that there was an incorrect address on file which puts in question the validity of the debt.
|
| 05/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : EASTERN ACCOUNT SYST Original creditor : XXXX Balance details 0 % paid off Balance {$270.00} Balance updated - Original balance {$270.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Account Status Unpaid Status updated XXXX XXXX ontact info Name EASTERN ACCOUNT SYST Address XXXX XXXX XXXX XXXX, XXXX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
|
| 07/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
talked to XXXX rep from excutive response team XXXX on issue with being charged on acct that does not belong to me and had to pay XXXX to pay it off because it is reporting as collection on my credit report. informed if i pay it will show paid but will not be removed as collection. this acct number XXXX is not my acct and does not belong to me and was to be closed in XXXX of XXXX as i spoke to XXXX reps multiple times on this. they forced me to pay the acct off due to defaming my character via credit reporting. the issue still persist and want corrtected and all credit reporting in negative manner removed immediately. this is a act of fraud and i was informed that info on this acct was in my name but at another address not my home address and under another telephone number that does not belong to me and paid by credit card that does not belong to me. need this resolved or litigation will follow.
|
| 09/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have been receiving updates from credit reporting agencies showing delinquent and inaccurate information being reported on my credit files. I have been a victim of identity theft for over 10 years, and I have provided proof on several occasions to prove this claim, such as police reports, FTC reports, OPM letters, social security card, ID, and proof of address. Accounts appeared inaccurately on XX/XX/2023 ; Eastern Account Systems for the amount of {$62.00}, XX/XX/2023 ; XXXX XXXX XXXX for {$10000.00}, XX/XX/2023 ; XXXXXXXX XXXX for {$12000.00}, and XX/XX/2023 ; XXXX XXXX for {$6000.00}. I have filed several disputes with XXXX, XXXX, and XXXX about the inaccuracies, and nothing has been done in reference to the misleading and inaccurate reporting on my personal credit files. As a result, my credit reputation is being ruined and I am unable to gain a trustworthy credit history with companies.
|
| 03/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In reference to CFPB claim XXXX and the documentation, I received on XX/XX/2022. The documents are unresponsive to my demand. I requested proof that I owe Eastern Account Systems, Inc. money. However, the documentation sent to me refers to an Internet, TV, and Phone company named XXXX. I sent a letter to Eastern Account Systtem , Inc. on XXXX, requesting they provide me evidence that I owe Eastern Account Systems, Inc. money. If they can not provide such documentation, they should remove the erroneous collection from my credit file with XXXX and XXXX. They chose to ignore this letter and did not respond. I am now invoking my right to have the account this erroneous collection removed/deleted from my credit file with XXXX and XXXX. I have not been provided proper documentation showing that I owe Eastern Account Systems, Inc. anything, and they have not responded to my letter for over 45 days.
|
| 05/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I sent a letter through certified mail to Eastern Account System in relation to the alleged debt they are claiming I owe through furnishing information to my consumer report stating I owe {$340.00} to the alleged original creditor XXXX XXXX XXXX. I sent a letter of Debt Validation pursuant to 15 USC 1692g. This company flat out ignored my request. I sent this letter of request and they received XX/XX/XXXX. I know this because I sent my request through certified mail. This is bad business as well as a clear violation of my rights. Especially since they are acting as a debt collector to an alleged debt they have no right to collect on. They even have the wrong dates of this alleged debt. They state this alleged debt started XX/XX/XXXX when I have been living in an apartment I don't have to pay for gas for the past 2 years. So how can I have a gas debt starting last year.
|
| 01/25/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The XXXX Credit Bureau is failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of UNCONFIRMED information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please reinvestigate the whole information especially the account type, date opened, balance, comments, and payment history. This information seems to be misleading. This will need to be remove pronto.
XXXX Original creditor XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance {$900.00} ;
|
| 09/18/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is a fraudulent report. This debt does not belong to me. I have communicated this to XXXX multiple times via phone and in person. I have an active and paid up account with XXXX in my name. I had to dispute this to even get the account. A collection agency reached out on behalf of XXXX via mail on XX/XX/XXXX. I called immediately to dispute this matter. I was instructed by XXXX to share by email XXXX ) photo ID XXXX ) copy of my lease for the dates of XX/XX/XXXX to XXXX and then to fill out the XXXX ) fraud affidavit packet. I submitted all of this information on XX/XX/XXXX. I never received any follow-up communication or additional debt attempts. Collection told me they would freeze reporting on this. Again this is fraudulent and not my debt. Someone used my information to get this service. I did not live at the address they listed. this is not ok to report on my credit.
|
| 09/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
XXXX XXXX I filed complaint against XXXX XXXX operating credit card reader for my private practice as XXXX. I enrolled as result of XXXX advertisement claiming a 1.59 % per swipe fee. I had been using XXXX - but decided to switch over. When my first invoice arrived I was shocked to XXXX that in addition to 1.59 % there were other fees and charges totaling almost 17 %. I called to cancel and was informed that I had three year contract and would be billed per month regardless. XXXX XXXX, XXXX I filed complaint with XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX I received email notice of closure of my account.
On XXXX XXXX XXXX I received Debt Collection notice from Eastern Account System of Connecticut , Inc. in the amount of {$76.00}. I contacted them by phone - and contacted XXXX XXXX XXXX XXXX XXXX regarding this alleged debt for which I have documentation of account closure.
|
| 05/15/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I received a bill from XXXX XXXX XXXX around XX/XX/XXXX for {$320.00}. I immediately called and disputed the validity of the bill. My insurance had already paid the hospital {$5300.00} for my medical care at time of visit ( XX/XX/XXXX ). I also informed them that they filed the XXXX claim under the wrong SSN which was an indicator to me I was billed erroneously for service not received. I was not contacted again until XX/XX/XXXX when Eastern Account System sent me a debt collection notice. I responded to the office via phone and letter within the 30 day allotted time disputing the validity of the debt and the services. I received an alert from XXXX that a collection was placed on my credit report dated XX/XX/XXXX. This medical collection is less than 180 days old and should not be on my credit report in accordance with the National Consumer Assistance Plan 's initiative.
|
| 05/24/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I have been receiving periodic medical services fr om XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX for the past 2 years. My health plan covered most of the cost with a portion being my responsibility. I verified with XXXX ( XXXX rep ) th at I only have XXXX account with XXXX showing a balance of {$460.00} of which {$410.00} was forwarded for collections but broken down into XXXX different amoun ts. Eastern Account System ( XXXX ) XXXX , the collection company, is reporting the XXXX XXXX account as XXXX separate accounts which I believe to be excessively punitive and unfair. The community needs to be made aware of this, especially before havin g medical services rendered by providers with this company. There may also be violations of law with the State of Texas, Fa ir Credit Reporting Act a nd Federal Consumer Protection Bureau.
|
| 11/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I, the consumer, have identified information in my consumer credit report that is a result of identity theft. This account is not related to any consumer credit transaction completed by me nor initiated by me. Please remove this account immediately. My written permission was not given to this company to report this information as true and accurate as I was not disclosed the true nature of such information is requested. As a consumer, I have the private right to privacy and as of now the privacy of my personal consumer financial information has been violated and disposed to everyone who has viewed a copy of my credit report. To date, Eastern Account System contains false, misleading, and deceptive information that have been sold leaving the consumer denied credit among other injuries.
acct : Eastern Account System account : XXXX address : XXXX XXXX XXXX XXXX, ct XXXX
|
| 12/12/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I canceled my services with XXXX and paid the final balance of {$110.00} on XX/XX/23. That payment cleared my checking account on XX/XX/23. I received a letter dated XX/XX/23 from XXXX XXXX XXXX XXXX stating that they were attempting to collect a debt from XXXX in the amount of {$110.00}. I chatted with XXXX to verify there were no problems with my final payment. They assured me my account showed a zero balance and had been paid in full. I then called XXXX XXXX XXXX XXXX and gave them the details of the payment that I made. I then filled out the dispute form attached to the letter and mailed it along with a printed copy of the chat that I conducted with XXXX verifying that my account was paid in full. I have now received a letter from EASTERN ACCOUNT SYSTEM OF CONNECTICUT INC stating they are attempting to collect a debt for XXXX XXXX XXXX in the amount of {$110.00}.
|
| 08/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Upon checking my credit report i see that your company put this collection on my account after i asked for the debt to go back to the original creditor and after your company said that you guys was no longer handling this account. Now i am asking for compensation from your company do to your mistake. I am asking for your company to permanently removed this collection from my credit report. the original creditor agreed with me that this was a fraudulent account in my name do to identity theft. I was hoping that your company would keep your word by not putting it on my credit and yet your company did exactly that. I was also told by a representee of your company saying that you guys did not respond to my complaint and that the debt was gone be place on my credit report. I don't want this on my credit report i want the whole account removed from all credit bureaus.
|
| 02/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
Servicemember |
|
Eastern account systems did not disclose that they were a debt collector they called my husband and stated that they were charter cable and for him to make a false statement. I have a false report from charter on my credit report and have been fighting this for a few years now trying to get them to remove it. They got him to set up payments thinking that he was paying for out cable TV I have now been calling them for a week now with no response from them and they continue to draft my bank account. They are not disclosing themselves as a debt collector they only stressed that they were from charter. They have now taken over XXXX from my bank account in less than 2 weeks this is ludicrous and I want my money back and for them to remove my credit bureau report that is false since I have never had them up until a few months ago. Please help me thanks.
|
| 12/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Called with my representative at XXXX CST to Eastern Account System as I wanted to settle this as I didnt know it was on my credit. We spoke to XXXX XXXX. She asked me to verify my mailing address but it was a previous address I had not lived at in the past two years, notification was sent to that address. Then I asked if I paid today if it would be deleted and I was told no. XXXX was informed that I had not received notification and asked again if I could pay this provided that it would be deleted and again was told no. XXXX was then informed that a complaint would be filed due to no notice being given and she had acknowledged that they sent out two letters to the incorrect, old, address. All I am asking for is for this to be given a chance to be paid without damaging my credit, as I was denied this when no notice was sent to my correct address.
|
| 07/03/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American, Servicemember |
|
Eastern Account Systems got the collection item XX/XX/XXXX and neither they or the originator, ever invoiced me or gave me the opportunity to challenge the claim.
I never hired or obligated in any fashion, to pay the amount that they are claiming in the collection. The collection came from a hospital visit on XX/XX/XXXX which was paid to the hospital by insurance.
The client of EAS collections has no claim against me for I never hired them, I never agreed to pay them any amount and I knew nothing of them at all until I found their collection item on my credit record at the end of XXXX.
EAS collections should have given me all my rights to challenge this prior to placing the collection item on my records.
I herein challenge the account in it's entirety and pray they provide written proof and documentation proving without question I owe this.
|
| 09/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2021, I received notification from my credit monitoring service of a new collection item added to my report by Eastern Account System. I performed a search to verify contact information reported, then originated a phone call to the collection agency to inquire about the item? The agent confirmed they are collecting account, I updated my address and ask them to send written validation about the debt as I am disputing it. On XX/XX/2021, I followed up with a written request via certified mail # XXXX. My certified letter was returned to me on XX/XX/2021. I still have not received any written communications about this debt. The collection account is currently reporting as closed with a full balance still owed, without validating the debt. Additionally, the agent did not provide me with the contact information of the original creditor.
|
| 09/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
The collection agency reported a collection account for a medial bill from XXXX XXXX XXXX to the Credit Bureaus in XXXX of this year. However they did not send me the initial notification of the debt until a letter dated XX/XX/2021. This did not allow me the opportunity to either verify the debt not take action regarding it. when I called them after receiving the letter in XXXX, I spoke with XXXX XXXX, and she informed me that they sent me letters on XX/XX/XXXX and XX/XX/XXXX. I never received said letters, and when I asked her to send me copies of them she refused. I do not believe the mailed any letters and are, therefore, out of compliance with applicable Federal law including FCRA. I therefore demand that this report to the credit bureaus be completely removed, and that I be given time to investigate and if necessary pay the debt.
|
| 12/28/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2023, I sent in a Lawful Notice of Dispute, I gave the company a period of ten ( 10 ) days from the date of your receipt of my notice and if not then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action. It's been over a month and they still have yet to provide this information or to delete this information from my credit report. They are now in default. They are also violating Fair Credit Reporting Act ( F.C.R.A. ), Violation of the F.D.C.P.A., Defamation of character by reporting this debt on my credit report while also violating 15 U.S. Code 1681b since they never got my permission to report this in writing, and also, the use of my copyrighted property. Their lead supervisor even admitted to committing fraud.
|
| 01/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I mailed a dispute letter to XXXX and XXXX on XX/XX/XXXX regarding 3 accounts on my credit report. I was notified within 15 days that the account was verified. I than sent a certified letter to both companies requesting a method of verification on XX/XX/XXXX. As of XX/XX/XXXX I had not received any correspondence. I called XXXX directly and spoke to " XXXX and " XXXX '' and was told by both managers that I was not allowed to receive verification ( a FCRA violation ) and that they communicated with the furnisher electronically and have not gotten any verification if this account was actually mine. As of XX/XX/XXXX, I have contacted my local smalls claims court to file a claim for clear violations of my consumer rights. I have been asking for verification of these accounts for several months and it has been futile. Please advise
|
| 06/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX a collection account appeared on my credit report from Eastern Account Systems of Connecticut in the amount of XXXX.
The original XXXX was XXXX XXXX. After contacting XXXX XXXX and confirming that I did not owe that amount and had a credit balance of XXXX XXXX.
I contacted Eastern account Systems to verify the accuracy of the account and complain that no notice or contact was received from the company. After complaining that they were required to allow me to verify the accuracy of the debt. They sent a first contact letter dated XX/XX/XXXX, with an inaccurate amount and the original creditor name and account number.
After disputing the accuracy with the three Bureaus, Eastern account systems continues to report inaccurate information on my credit report which is a violation of the fair credit reporting act.
|
| 02/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American, Servicemember |
|
I was in the process of refinancing my mortgage and discovered a {$35.00} debt from Eastern Account System ( EAS ). I contacted EAS on XX/XX/19 and spoke with XXXX to have this deleted from my credit report, and was told that if paid, EAS can not delete from the credit report.
Contacted EAS on XX/XX/19, and spoke with XXXX in second attempt to have the {$35.00} debt be deleted from my credit report, and was told " the only thing they would do is show a paid in full with a {$0.00} balance. '' Asked to speak to a supervisor, and spoke with XXXX, and was informed that EAS could not delete the {$35.00} debt from my credit.
I have never received any communication of this {$35.00} debt, nor did I receive any communication stating the {$35.00} debt would be put on my credit report, which has negatively impacted my credit score
|
| 01/10/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On a day XXXX 2021 I was sitting outside drinking wine when XXXX XXXX from XXXX XXXX came to my home to harass me to sign up for XXXX internet. I told them I already had XXXX. They began giving me compliments as a way to get me to sign up for XXXX. I agreed to have the technician come to my home to set up the internet. That same week the technician came to my home but told me he could not set up any equipment or internet at my home because the box in the neighborhood was locked. I called XXXX and told them there technician was unable to connect my internet and I was going to stay with XXXX. However, they continued to charge me for a service they never provided. They called me and harassed me many times and I told them over and over again that I am not a customer and I have never had any services from them installed.
|
| 12/10/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I cancelled my Internet service with XXXX in XXXX XXXX, and my last {$80.00} bill was paid for that month. The cancellation confirmation number they gave me was XXXX, and they also texted me a return QR code- which I used to return my equipment ( for which received a delivery confirmation via UPS ).
Nonetheless, XXXX sent me a letter dated XX/XX/XXXX, claiming that my " account was past due '' for the amount of {$140.00} ( without any breakdown or line item ). They then proceeded to forward the amount to collections agency Eastern Account System of Connecticut , Inc., who followed up with their own letter re. this amount.
I sent them an email ( I'm preparing a certified letter by mail, as well ), disputing the debt. I did not contact XXXX directly, as they already forwarded their claim to the collections agency.
|
| 11/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of the XXXX XXXX, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 USC 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC.
|
| 11/09/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
During XXXX XXXX XXXX XXXX local store was closed but had a drop box outside to return equipment. I returned my equipment on XX/XX/21 by putting it inside the drop box as they requested.
I thought everything was fine, however, later learned that they had turned me over to a collection agency for not returning the equipment because it showed up on my credit report causing me to pay higher interest rate. They never sent me a bill or letter or anything about it just turned me over to collections. I contacted them and they corrected it by showing it was paid and/or written off which does not take it off my credit reports even though they acknowledged I returned the equipment.
ALL 3 REPORTING AGENCIES STILL SHOW IT ON MY CREDIT REPOR WHICH HAS NOW CAUSED ME TO BE DENIED CREDIT EVEN THOUGH MY SCORES ARE XXXX.
|
| 05/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have not received a 1099-C form from the original creditor, which would indicate that the debt was cancelled or forgiven. Without this form, I believe it is inaccurate and unfair to report it as a write-off on my credit report per code 6050p of the Internal Revenue Service .
As a responsible borrower, I have always made an effort to pay my debts on time and in full. Therefore, it is particularly distressing to have a write-off reported on my credit report, especially when I have not received any notification or documentation indicating that the debt has been cancelled or forgiven.
I request that you investigate this matter and remove the write-off from my credit report until proper documentation is provided. Please provide me with a written response detailing the actions taken to resolve this dispute.
|
| 11/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
On XX/XX/2023 I came home and noticed my internet, phone and cable service wasn't working so I contacted XXXX XXXX XXXX I was told it was an outage and it should have been back on in the next 30 minutes. My services were not turned on I was told that everything had been suspended due to no payment I explained to XXXX XXXX that I never received a bill because they allowed all customers to keep there service on due to the pandemic and kids were homeschooling and parents were working from home and I explained to them there company allowed for services to stay so I shouldn't be responsible for the bill and they have been calling harassing me to pay {$2100.00} and they have also put this on my credit report and it doesn't show any late payments or passed due payments so this should not be on my credit reports.
|
| 10/05/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
There are two accounts on my credit from XXXX XXXX XXXX in the amount of XXXX other in XXXX frontier is still taking actions with one account and then they sent the other account to easterns account. I spoken to someone on the phone numerous of times trying to understand why do I have so many accounts in my name with different bills and how can I even open up a account if I had amount due they stated that when I move I always get a new account I asked how when my account is supposed to be transferred? I sent frontier a letter on XXXX and they received the letter on XXXX someone by the name of XXXX XXXX received my certified mail along with my return receipt he signed for it Its been 30 days havent received anything then I wrote another letter on XXXX still havent received anything and today is XXXX
|
| 07/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I contacted Eastern Account Systems and advised them that the account obtained by them from XXXX XXXX was a result of identity theft. The account was previously with XXXX XXXX XXXX and they voided the account as a result the account was removed.
The first representative i spoke with advised me to send my former complaint with CFPB. The second representative wasnt helpful at all and told me SHE could not clear the account. The service address for the account is somewhere I have never lived. I gave NO ONE my authorization to obtain a XXXX account in my name. I also was out of the country training for my job when the account was opened and obtained the account.
I am also mailing the " present '' collection agency an identity theft affidavit notarized, my dispute letter, and a copy of this complaint.
|
| 03/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is a debt that was charged by XXXX for internet after multiple attempts to close the account. I moved from the residence and was forced by XXXX to open a new account due to a new zip code and they did not close my old account and continued to charge me on both accounts- my new residence as well as my old one. my new residence 's account is still open and currently paid in full. this charge is not valid and i have tried telling the collection agency this, have given them my current accounts number, and disputed the collection on my credit report and they are still saying the debt is valid.
Details are as follows : Opened XX/XX/2018 ( 8 mos ) Account status Open Original Creditor Name XXXX XXXX XXXX Creditor information- EASTERN ACCOUNT SYSTEM, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CT XXXX
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| 08/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
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I want to hereby denounce Eastern Account System Inc. for continuing to violate the FDCPA and Experian for continuing to violate the FCRA.
Eastern Account System Inc.
On XXXX XXXX, 2015 I wrote to Eastern Account System to dispute the account being reported by them on my XXXX credit report, and I requested DEBT VALIDATION under FDCPA Section 809 - Validation of debts [ 15 USC 1692g ]. ( Letter enclosed ) Eastern Account System responded by sending a copy of a computer statement printout. ( Answer and computer printout enclosed ) A computer statement is not a Validation of Debt, and once again I demanded that the collection agency obtain verification of the debt.
Eastern Account System responded with the exact same computer statement printout. ( Answer and computer printout enclosed ).
|
| 11/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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I have ALWAYS had insurance, I go to the ER, had my insurance card and I get a call maybe a month later from a collections company about the ER bill, I explain I was / am fully insured and they did an " investigation '' that we all know is a lie because they are paid by their client not me... never heard anything back and it ended up on my report.
Disputed it XXXX times and since all MY info matches it " valid '' in reality this has stopped me from getting credit and on my latest vehicle raised my interest.
This only happened because their " client '' was too lazy to run my insurance and decided to bill me and when I challenged it they didn't care.. this is PURE 100 % fraud Worth noting that XXXX saw my evidence ( which I will upload here ) and removed it from my report, rightfully so
|
| 06/11/2019 |
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
|
|
Web |
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I have tried to request information on a particular derogatory account listed on all 3 credit reports for the past 3 months and have not received anything from the company nor the credit bureaus. I do not recognize it so I asked for a debt verification and never received anything. I've sent out a letter monthly to the company as well as XXXX, XXXX, and XXXX and have not gotten any type of correspondence. There is an account listed by a collection agency called Eastern Account Systems in the amount of {$310.00} and {$86.00}. I do not know who they are. I do not mind being held accountable for a debt, but at least show me that you have proof of ownership on these alleged debts. I have also provided a screenshot the date on the word documents for proof to show when these letters were typed.
|
| 08/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American, Servicemember |
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After numerous attempts to get the proof that Eastern and their client are relying on to prove up their claim I owe them money, all I get is that their clients unsigned invoice is validation of the debt and their say so is proof they noticed me properly. In what part of the Consumer Protection Laws does it state that " saying so '' makes it so? I demand proof of their claims. I never got noticed as required by law. I never agreed or obligated to pay any such charges they are billing to me. According to their invoice they did some thing on three different days, that seems more than ample opportunity to have gotten some type of signature on a contract to pay. But, it still does not prove I was sent proper notice, which leaves the issue of an illegal collection posting to my credit reports.
|
| 06/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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Eastern Account Systems is attempting to collect a debt from 14 years ago. This is not a valid debt and it is outside the statute of limitations being over 14 years old. The debt was opened from XX/XX/XXXX through XX/XX/XXXX for an account back from XX/XX/XXXX from WOW services. I am unfamiliar with WOW services. When I spoke with two different representatives at Eastern Account systems they had no documents or any records to explain this debt. I called WOW services myself and verified my account and they have no notes, documentation, billing statement explaining what the debt was for and told me to contact Eastern Account Systems. This has ruined my excellent credit score of 800+. In the past 14 years I have never heard of this debt on any of my credit reports which I check regularly.
|
| 03/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I received harassing phone calls from a debt collector by the name of " Eastern Account Systems '' based out of Connecticut trying to collect on an overdue account for " XXXX XXXX ''. It appears that XXXX gave out my personal information to this collection agency in an attempt to " phish '' for someone else 's delinquent accounts because we have a similar last name ( similar in last name ONLY! ) I 'm FURIOUS about this because for one - I did not authorize " Charter '' to release my personal information to ANYONE, and for two - they did not have " Just Cause '' to release my information. I want to know why this happened, and make sure that both of these Companies behave in a more professional manner by using accurate information - Also that they are not pursuing the wrong individual!
|
| 01/05/2024 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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On XX/XX/2023, I sent in a Lawful Notice of Dispute, I gave the company a period of XXXX ( XXXX ) days from the date of your receipt of my notice and if not then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action. It's been over a month and they still have yet to provide this information or to delete this information from my credit report. They are now in default. They are also violating Fair Credit Reporting Act ( F.C.R.A. ), Violation of the F.D.C.P.A., Defamation of character by reporting this debt on my credit report while also violating 15 U.S. Code 1681b since they never got my permission to report this in writing, and also, the use of my copyrighted property.
|
| 11/14/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
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Back on XX/XX/18, I was contacted by XXXX XXXX XXXX XXXX They called my cell phone a couple of times and left no voicemail. After finding out they were a debt collector, and due to the fact that I know that I don't owe anyone anything, I called them back to see what the problem was. They were looking for someone ( some XXXX ) who only shared a last name with me, and I had no idea who they were. They apologized and said they would take my number off of the list.
This morning ( XX/XX/18 ) I received yet another phone call from them, same situation, I don't owe anyone a cent. I tried calling them back, twice, at ( XXXX ) XXXX to remind them what was discussed, and all I get is dead air. I'm sick of these people calling me over a complete stranger 's debt. This is ridiculous.
|
| 04/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
|
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According to the Fair credit reporting Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below Your failure to positively verify this account has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed, if you are unable to provide me a copy of verifiable proof, you must remove the account listed below 1 ) account name : eastern account system. 2 ) account # : XXXXXXXX
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| 07/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
|
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I originally had a XXXX and had an account with XXXX XXXX XXXX. Eastern Account Systems, a collection agency, I assume, is reporting this account on my credit report. However, on XX/XX/2021, I called XXXX XXXX XXXX and was told that if the account could be paid online, it would be recalled from collection agency. I was able to pay the account in full through XXXX XXXX XXXX ' online system using my account number that same day. After I paid, I called them and told them that I paid the account with the original creditor and was told that they would delete the account on XX/XX/2021. Instead, they just updated the account to paid, as if I paid them. The account should have been recalled when I paid and deleted. I would like this account deleted from all three credit bureaus.
|
| 09/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
|
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I have been contacted repeatedly by a debt collector under the name of Eastern Account System Of Connecticut attempting to collect a {$79.00} balance on behalf of XXXX.
Since the latter provides my cable internet service and I have been current on my payments, I checked with them regarding this attempt and they promised to escalate the matter and ensure that no adverse information regarding a collection was placed on my credit history.
That was several days ago and nothing has changed.
I have attached a copy of the notice from Eastern Account Systems dated XXXX XXXX.
I have also attached the latest service bill from XXXX showing my account to be current at the same time period and the only amounts owed being the current monthly balance that was due on XXXX XXXX.
|
| 11/28/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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In early XXXX I was notified by my credit monitoring service that a derogatory item had been added to my credit file by Eastern Account System of XXXX XXXX, CT. The debt added to my credit file had already been paid in full ( {$310.00} ) to the original creditor, XXXX XXXX XXXX.
Eastern Account System persists in sending collection statements, despite a copy of my receipt being mailed to their address on XXXX/XXXX/2017 : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CT XXXX.
When they failed to remove it, I filed a dispute with XXXX ; XXXX contacted Eastern Account System and was told the debt was valid. I spoke with XXXX XXXX XXXX, and no one from Eastern Account System had reached out to them to verify that fact -- thus Eastern Account System is acting in bad faith.
|
| 02/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
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|
Web |
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I disputed a collection letter from eastern account systems representing XXXX XXXX. I did not receive a formal response to my dispute.
I had internet/ phone service with XXXX from approximately XX/XX/XXXX to XX/XX/XXXX. I NEVER received an accurate monthly bill having been required to call each and every month I had service to dispute the charges. Some months the bills were adjusted, some months they werent.
At the end of my service, I was asked to return there equipment in postage paid boxes which I did. I was billed for that also. All this information was provided to eastern credit which they apparently ignored? I have copies of all my bills with dates, names and resolution each time I called. No one has asked for any of this information!
Thanks XXXX XXXX
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| 04/02/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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This company has REAGED a debt. I have proof account was delinquent in XXXX. If I continue to look I can find one dated back to XXXX. This account was NEVER brought current. This agency is reporting date closed not date of first delinquency.
The specific law is called the Fair Credit Reporting Act ( FCRA ). Under FCRA 605 ( a ) and ( b ), an account in collection will appear on a consumers credit report for up to 7 years. To determine when an account will be removed by the CRAs ( XXXX, XXXX, and XXXX and others ), add 7 years to the date of first delinquency. The date of first delinquency is shown in credit reports. Subsequent activity, such as resolving the debt or one debt collector selling the debt to another collector, is irrelevant to the 7-year rule.
|
| 03/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My insurance XXXX XXXX XXXX recently paid off my XXXX bills on a 3 way call with the creditors. They was also informed that wasnt supposed to bill me because I have Medicaid and they told us on the call that it would be removed from my credit report after 30 days. Its still havent been removed after it was paid. I have disputed this matter multiple times and it either comes back verified or accurate. This is becoming a serious issue on my report and it wasnt supposed to been billed to me on the first place.
The person I spoke with about this matter was XXXX XXXX XXXX said XXXX would sent it to XXXX supervisor so it can be removed XXXX was from XXXX XXXX XXXX and XXXX XXXX from XXXX Account XXXX said to call bearus to be removed nothing has been changed!
|
| 06/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
This is not my bill. If it is, no one has contacted me. Reporting on my credit report like I'm missing monthly payments and no such arrangements have been made. They are sending mail to a relatives house who has tried to send back and they keep returning. Did they do an inquiry on my credit report for that address that I used while trying to gain employment in XXXX? Today they reported I missed a payment and my already poor score dropped drastically. This has to be illegal for this collection company to be doing this.
The XXXX complaint I went ahead and paid what my insurance company should have paid. I asked them to delete this record and they refused to. This is a medical collection that exposed my visit to them ... does this not violate HIPPA Laws?
|
| 07/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
|
|
On or around XXXX XX/XX/2022 I found an annotation on my credit reports for a collection account. The account indicates it is from EASTERN ACCOUNT SYSTEM I and indicates a collection on behalf of XXXX XXXX XXXX. I have neither received a collection notice from Eastern Account System nor have been contacted by XXXX regarding any balance on my account. I do not know what account this is for and do not believe I owe the alleged debt.
I do not live at a XXXX serviced address.I have had issues with XXXX XXXX and ported out around XX/XX/2022 becuase my phone kept being deprovisioned from their network and my account had to be reconstructed multiple times beginning XX/XX/2022. The porting process required that the balance be paid in-full before porting out.
|
| 05/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
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 states 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.C 1692C section 5 : states 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
|
| 12/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On or about XX/XX/XXXX, XXXX opened an unauthorized account XXXX using my Social Security Number in XXXX Georgia.
I did not live in XXXX Georgia on or about XX/XX/XXXX and did not authorize the account.
XXXX made no attempt to stop the unauthorized transactions and in fact, the unauthorized transactions continued through XXXX.
XXXX via their collection agency " Eastern Account System '' reported the fraudulent account as a charge off for {$1900.00} on XX/XX/XXXX on my XXXX credit report.
XXXX via their collection agency " Eastern Account System reported the fraudulent account as a charge off for {$1900.00} on XX/XX/XXXX on my XXXX credit report.
XXXX has repeatedly accessed my credit reports without my permission, a violation of the FCRA.
|
| 04/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX injury and defamation of character along with 60 plus days of no response. I have disputed this alleged debt collection with eastern accounts and the XXXX credit reporting agency. Asking for validation proof of debt proof of a signed contract over 60 days. I was told by the representative at eastern account that they do not have to show me proof of debt and she said that she will try to call original creditor to get proof but like i stated earlier that it has been over 60 days and no response from either company. Last communication via phone call was on XX/XX/2022.
|
| 07/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX I noticed a collection was placed on my XXXX and XXXX credit for {$83.00}. I noticed it was my final bill from the electric company. Instead of paying the collection agency, I paid the electric company directly .disputed the collection acct. Showed proof it was paid, these two companies removed the collection from Eastern account collections. 3 days later it was placed on my XXXX. I called them and disputed online. Collection report still there. I have disputed this 4 times with XXXX showing proof this acct was paid in full to the electric company. Its still showing on my credit. I have contacted the electric company about this. I was told Eastern collections was notified 2 days after my payment That the balance was XXXX ( paid in full )
|
| 09/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XXXX XXXX I opened for the second time a credit report dispute with XXXX about a collection account they are reporting on my credit report with Eastern Account Systems. The amount on this account is showing {$1000.00}. I requested core information on this account and or contract ( XXXX ) for services, just any verifiable proof that this account belongs to be. I was not given any information from either party involved in this dispute just a message that this account is verified. I would like a copy of any type of agreement with this companys letter Head and my signature to show I am responsible for this debt. NOT just an immediate response saying debt verified. I would like a copy of the information you used to verify this debt. Thank You
|
| 03/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
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
|
| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have made several attempts to get this known fraudulent account off my credit report and the company knowingly and fraudulently is trying to collect a debt that is not mine by repeatedly having its contracted third parties to report this debt inspite of the filed FTC identity theft report and the fact that I was not living at this account in XXXX our divorce was filed in XXXX and I was gone 6 months prior. I have attached proof of the third fraud packet filled out for XXXX. The following companies have this listed with very different amounts and dates which means there is inaccuracies.
XXXX Account # XXXX for {$610.00} on my report that they just reported again XX/XX/XXXX and responded to you XX/XX/XXXX that the amount was {$570.00}.
|
| 12/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
This is a follow up to complaint XXXX.
You closed the complaint even though it was never resolved. The company has yet to provide me with any shred of evidence that there is a debt. I have received no documentation to back up their claim.
You simply take their word that they are going to do something, then you cavalierly 'close the complaint '. Your chartered responsibility does not stop there. It is up to you to follow up with the company to ensure compliance, so please do so. This company is rude, unresponsive and unprofessional and it is your mission to protect consumers from predators such as this Eastern something or other.
Kindly reopen this complaint or open a new one, and stay on the case until there is action.
thank you.
|
| 02/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Eastern Account Systems claims that I owe them money as a debt collector for XXXX XXXX Previously I had an account with XXXX XXXX the pay-off amount for my account with XXXX was {$370.00}. That account was paid in FULL Friday, XX/XX/2022. ON that same day I contacted Eastern Account Systems and informed them that this account was paid in full and that I needed that noted. I spoke with a representative for them by the name of XXXX XXXX, she asked me to email her receipt of that payment and she would take care of it. I emailed her while we were on the phone and apparently, she didn't take care of it. Eastern Account Systems still has me owing them this debt. How? I have the paperwork attached to prove it, an official receipt from XXXX.
|
| 04/29/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
XX/XX/XXXX - I received a letter from Eastern Account System of Connecticut , Inc. attempting to collect a past due debt. The letter in question is fraudulent and an attempt to extort money from people. The letter only has an address and my name is not on the letter. The letter states over XXXX XXXX dollars is due to a cable company that we stopped using back in XXXX. Our XXXX XXXX XXXX contracts with the local cable company to provide cable TV to the whole neighborhood. In XXXX the XXXX XXXX canceled XXXX XXXX and subscribed to XXXX XXXX instead. I have now found that other homeowners in our neighborhood have received the same letter attempting to collect money or get them to call them. I can provide copy of letter if needed.
|
| 03/12/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX billed me for services I didnt receive. I closed an account when we moved in XX/XX/2018. XXXX billed for a month after the move stating that I didnt call in time before the new billing period. I did call and then called again when I didnt get the box to return the equipment. They claim that was the date I cancelled my service. I asked for a copy of the recorded call 5 different times and told it would be reviewed and I would be contacted. I never heard anything until I applied for a mortgage it showed on my credit report. The collection agency cant help me and XXXX just states the matter has been referred to a collection agency. I tried disputing it but they claim its valid. This is wrong!!! Ive always paid my bills
|
| 04/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I accepted a service from XXXX XXXX a few years ago and upon receiving the service I was unable to access the service, I called repeated complaining about the lack of service and I kept getting a run around from the company so I decided to tell them to disconnect the service.
After which their customer service rep constantly called me to pay for a service that I didn't get the use of, I refused to pay the {$260.00} so on XX/XX/2017 they sent my account to collection company EASTERN ACCOUNT SYSTEM, I have tried to dispute this many times but they keep reporting to the credit Bureau, this obviously affects my credit, I have been unemployed for almost 2 yrs and this bad report doesnt help my situation.
Please help me
|
| 02/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Debt originally owed to frontier communications and was passed to debt collections. Debt was due to frontier not turning off a service used at a past temporary housing situation. upon not staying at the address anymore directed frontier to stop service but unknown to me it continued to run. About a year and a half or more later I came to know of the debt as it was on my credit report. Disputed with all three bureaus and XXXX removed it but it remains on XXXX and XXXX. This debt is very old and should no longer be on my record and also I was never originally responsible for it. This derogatory report causes my credit score to be reduced and also is a negative impact when I'm reviewed by other financial companies.
|
| 12/03/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I had a research investigation request into my insurance company this year on the verification of the medical debt, it concluded in XX/XX/2023. The collection agency never contacted me, verified my medical amount owed or sent any ability to pay prior sending to the credit bureaus in XX/XX/2023. They have not sent me a bill until XXXX/2923. Ive been willing to pay on a payment plan with the practice directly for amount owed. The collection agency needs to remove this debt from my credit reports and set up a payment plan with the practice for amount agreed upon. The collection agency is using unfair collection tactics, never sent me a bill prior to sending to my credit bureaus and didnt have the amount verified.
|
| 10/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This collection agency is attempting to collect a debt for XXXX, and reporting this debt to the three major credit reporting agencies. This debt originated in 2011 ( found out after contacting original creditor directly ) which is well past the statute of limitations for collection of a debt or reporting to credit reporting agencies. Fraud case opened as this is an identity theft case. Past collection agency XXXX and XXXX already deemed this debt unverifiable. After multiple disputes with CRA, somehow eastern account systems keeps reporting back a debt as verified even though it is 10 years old. Considering legal action against all parties if collection activity and reporting to CRAs does not stop immediately.
|
| 05/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX, I received a letter from Eastern Account System , Inc. XXXX XXXX XXXX XXXX XXXX, CT XXXX, stated at I own XXXX XXXX {$240.00}.
On XX/XX/XXXX, I reply with a validation letter. I never heard back.
On XX/XX/XXXX, a letter of removal of inaccurate information was sent out. Never heard back.
On XX/XX/XXXX, a validation letter was sent. Never heard back.
On XX/XX/XXXX, a letter of failing to verify letter was sent. Never heard back.
Reach out to all 3 credit bureaus about the Eastern Account System, which violates the credit Act laws. XXXX, XXXX, and XXXX have ignored and refused my request to remove/delete my credit report. Due to Eastern Account System not obeying the credit Act laws.
|
| 06/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
The creditor refused to respond to my request of them to validate the debt pursuant to the FDCPA 15 USC 1692g Sec 809 XXXX b ).
The request I made was on XXXX XXXX, 2015, and to date they have refused to respond. Even worse, they placed this account for collection on my XXXX Credit report. These bully tactics on the part of this creditor are a clear violation of the FCRA & the FDCPA, and serve to only defame my character & ruin my otherwise good name.
The request I sent was sent " Registered, Return Receipt '' and you 'll notice that I have proof that the creditor not only received my letter, but they read it & still refused to respond.
Please help. I have no where else to turn for help.
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| 04/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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Collection on my credit report states that I owe Eastern Account System {$1300.00} for XXXX XXXX and XXXX XXXX. I disputed the debt and they responded saying it meets FCRA requirements. I contacted XXXX directly to find out what this debt is and they cant find any debt and cant even verify when I last had service with them.
I again contacted Eastern Account System and informed them that XXXX seems to have no record of me owing them money and asked them what their records show. They said the debt is from XX/XX/2019. According to the laws in NY if XXXX is saying I dont have a debt and the statute of limitations is 3 years in NY Im not understanding how they are claiming this is a valid debt.
|
| 05/06/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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Eastern Account System Inc. is reporting a collection account in my credit report that was paid on-time to XXXX XXXX XXXX the original owner. The account was paid with a XXXX XXXX XXXX check # XXXX. This check was sent to XXXX XXXX XXXX on XX/XX/2019. They cashed the check with a XXXX XXXX account XXXX. I have made several dispute with XXXX and the account was get updated as paid, however this account doesn't belong to me since it was paid on-time to the original owner. I have sent letters to Eastern Account System Inc. demanding that they remove the inaccurate from XXXX credit report but nothing has been done. They have remove the inaccurate reporting on XXXX and XXXX, but not on XXXX.
|
| 07/06/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I have been trying to resolve this problem for months with no avail. I have been disputing the validation of this debt due to the fact I do no owe it and it is not my account. This is my second complaint. I advised the company the debt was not mine, the sent back inadequate proof that it was with information that does n't match mine, I offered to even settle on the account just to get it off my credit report, which they agreed, and then never returned my calls when I left messages on the number they provided for me to call. I have filed an identity theft report with the FTC and sent it to the credit bureau and again disputed the debt and they still refuse to remove it from my credit report.
|
| 11/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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I owe apparently to care now but I never received a physical mail paper with any account number to where I could pay that amount online. so I attempted to call the collection company which the company is called Eastern account and they were not helpful they would not give me an account number and Ive been trying to pay this off for a while but its just been a struggle and I dont have any physical mail to prove that actually owe anything. I know that I did call care now and they told me I owe money to them but they would not let me pay through them I had to go through the collections company but I dont have an account number to prove that I owe money so Im not really sure how to pay this.
|
| 05/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Date : XX/XX/2023 Credit Report Information Request by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Original Creditor : XXXX XXXX : XXXX This company is the newest debt collector for XXXX XXXX XXXX. I do not know this debt, and it shows up 2-3 times a year with a different collection agency threatening to damage my credit and puts a new collection on my credit each year. I have no knowledge of this debt, it is not a family members, and it continues to attempt to harm me each year. It has been removed from my reports several times.
This particular company has threatened to contact the credit bureaus if I do not respond, and they have now reported the invalid debt to the credit bureaus.
|
| 05/18/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
|
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I had an account with XXXX XXXX # XXXX with secivce address XXXX XXXX XXXX XXXX tx. And I moved from the address on XX/XX/2022 and I called XXXX XXXX to transfer my service to my new service address XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas on XX/XX/2022. And the told me the don't have service on that address. Because the network is very poor and slow.
So I told the to disconnect my service.which I did And I switched to spectrum. Will send the proof.
XXXX XXXX kept billing me every month and I emailed see the attached. They keep saying the fixed the problem.
I have attached proof when I switched to XXXX The only thing I own them its the equipments and will drop the off asap
|
| 11/03/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I was unaware of this account. I never got a letter, notice, call or anything. I need to apply for a loan and saw it on my credit. I have contacted this company multiple tines, attempting to get information. I can't get a reply. I faxed the company on XX/XX/XXXX - since then COVID 19 has made life hard and my credit is still being hurt by this account. Even though they wont respond to me they have verified this account as accurate and it is still on my XXXX report. They keep updating every month - it was just updated XX/XX/2020! This is ruining my life and I want it removed from the credit reports .I pay my bills. I would not ruin my credit over something less than {$200.00}.
|
| 09/28/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
This company continues to report inaccurate information regarding the actual amount owed. I spoke with XXXX XXXX on XX/XX/XXXX and was told by representative, XXXX, that I had the option to pay them ( XXXX ) directly versus paying the debt collection agency ( Eastern Account Systems ). XXXX informed me that by doing this, Eastern Account Systems would report the updated balance and eventually have nothing to report, thus removing this information from my credit report.
Eastern Account Systems continues to report inaccurate balances. They refuse to send me copies of the contracts and information to validate this debt. Representatives have been incredibly rude to speak with.
|
| 05/31/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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My brother died on XX/XX/2022. As a courtesy I notified XXXX XXXX XXXX death.
XXXX has hired XXXX XXXX to collect the debt of {$370.00} and they have put it on my credit report.
I called XXXX Accounts to notify them of the issue and never received a response. I also filed a dispute with XXXX. XXXX stated " The company that reported the information has certified to XXXX that the information is accurate. '' I have provided information showing that my brother is the person listed on the account, and his address was the service address. I have provided information that I am in fact not my brother, and that I live at a different address. Further, I am executor of his estate.
|
| 12/13/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I was called from phone number XXXX XXXX/XXXX/XXXX Wed XXXX on my cell phone which has been registered for over a year on the do-not-call registry. They left a message which I transcribed as best I could : " We have an important message from XXXX XXXX XXXX. This is a call from a debt collector. Please call XXXX. '' I called back and reached them. They immediately asked my name.
Since I have no debts, I knew this was the start of some kind of identity theft scam, so I refused to give them my name and the conversation ended there.
I wanted to report that this company is using the kind of tactics which are a prelude to identity theft, making them a very suspicious company.
|
| 11/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I had already paid my debt owed of {$180.00} to my credit to a while and XXXX XXXX XXXX XXXX XXXX took over the account as a collection and send me a letter demanding payment that 's I paid again to the collection agency not realize that I had already paid my credit or there for the amount that I paid the collection agency which is {$170.00} is owed back to me because the balance was XXXX therefore I am requesting a refund of {$170.00} from XXXX XXXX XXXX XXXX XXXX The collection agencies account number is XXXX and the Creditor is wow the last 4 of my social security number is XXXX for some reason this phone will not allow me to enter this information the proper fields
|
| 08/29/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
All of the following phone and address are incorrect. I have a son with same and when he uses my address they attempt to associate his phone numbers with me. Please removed the addresses listed below. I have updated my licensee to say XXXX, to avoid further mix-ups.
XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX Telephone Numbers Reported : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
|
| 02/19/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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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
|
| 02/19/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
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
|
| 04/06/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Eastern Account System has placed a account on my credit that is n't mine from XXXX in the amount of {$320.00}. I 've reached out to XXXX on numerous occasions and the only information that was given to me that it is a account sold to Eastern Account System also that this account is 2 months away from reaching the statue of limitations in the state of Georgia and also could n't identify the debt as being mine. I wrote Eastern Account System to receive a debt validation, I have n't yet received any response. I 've called them at the number reporting on my credit report which is XXXX and left several messages on the their voicemail with no response.
|
| 03/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a copy of my credit report and am disputing an item.
Eastern Account System claim that I owe {$1500.00} for an electric bill. This was placed on my credit report in XX/XX/2021. A debt validation letter was sent to the company twice with no response. The credit bureaus were notified of the no response and XXXX and XXXX have removed the debt. XXXX sent notification that the debt is valid, but there has been no response from Eastern Accounts. The electric company is from NY, but I have lived in another state for over 10 years now. I would like this rectified as it has really dropped my credit score that I have worked so hard to maintain.
|
| 03/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
As of XX/XX/25 this was paid there was a payment plan and payments were automatically taken out. There company set up the arrangements and even after making payments never missed a payment still applied to my credit report after receiving their payments paid in full. This debt is not owed and has been paid last payment taken was XX/XX/25 in the amount of $ XXXX.This should show as paid and closed! False information reported!!! I want it removed from my credit and to reflect good standing as it was never in collections as there was an arrangement made and completed! Please see history of payments and completed transaction as proof its paid.
|
| 05/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
You are in Direct Violation of The Fair Credit Reporting Act ( Account XXXX XXXX XXXX XXXX ), has violated several of my rights.
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
|
| 03/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I called Eastern Account Systems today XX/XX/2022 at XXXX pm to advise them that I paid XXXX XXXX the total amount of {$270.00} as I did not owe anything to Eastern Account Systems as I never had an account with them. I advised them that I want them to remove this off of my credit report. The rep asked for confirmations which I gave her and at the end of the call she stated that they will update the account to paid in full which is incorrect. I did not pay them anything and I have all receipts paid to XXXX directly. I want this account from them removed immediately. I have had no other dealings with Eastern Account Systems.
|
| 05/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
Creditor 's CRAs XXXX report contains two ( 2 ) sets of two ( 2 ) collections accounts.
The creditor requested a goodwill removal of two ( 2 ) collection accounts, which happened one day but was reversed the next. Then duplicates of the same collections account with the date assigned for XX/XX/XXXX, resulting in the dropping of the creditor 's credit score by more than 100 points.
Currently, there are two ( 2 ) correct XX/XX/XXXX submissions : Account ending in XXXX XXXX XXXX XXXX with the date assigned of XX/XX/XXXX, is correct.
Account ending in XXXX XXXX XXXX ) has a correct date assigned of XX/XX/XXXX.
|
| 06/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I got internet from XXXX and during the installation they said they couldn't use my modem and substituted their own without telling me. When I terminated the service, I asked if there was anything I needed to return and they said no. I moved to a different state and they sent the bill for the modem to the old address. I didn't know about this until the new home owner forwarded the bill to me. I contacted XXXX XXXX 3 times before they sent the box to return the modem. I got the return box on XX/XX/2021 and then I mailed the modem on XX/XX/2021.
They have still not removed the collections from my credit report.
|
| 11/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Eastern Accounts Systems has 4 accounts under my name. 2 of the 4 accounts has been paid off and are still on my credit report. The 2 accounts are XXXX XXXX XXXX the amount of {$100.00} was paid off. Also, XXXX XXXX XXXX the amount {$98.00} was paid off as well. The other two accounts that are stated I owe a balance are XXXX XXXX XXXX in the amount of {$98.00} and another amount of {$480.00}. I have been disputing the two accounts for the past few years. The amounts are not what I owe based on the insurance I had with a previous employer. I have mentioned this to Eastern Accounts Systems for the past few years.
|
| 06/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have tried numerous of times to get XXXX to remove this fraudulent account. I have called and talk to numerous people about this account. every time i talk to one representative they move the collection to another collection agency. This account is not mines. I only ever check to see if XXXX comes to my residence which they do not. I have tried to resolve this account numerous of times with XXXX and no resolution. not only that XXXX have taken money out of my account numerous times for this account. i have a police report for identity theft and they keeping this account open is not accurate information
|
| 01/31/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
After reviewing my credit reports I discovered an account from Eastern Account System Inc. I have disputed these accounts several times with the credit reporting agencies and has gotten no resolution. So, I decided to dispute directly with the company who reported this information. I sent a letter requesting validation of debt for Account # XXXX via certified mail on XX/XX/year>. USPS Tracking states it was delivered and signed for on XX/XX/year>. I have given Eastern Account systems Inc over XXXX days to response and they have not. I wanted this information removed from my consumer report immediately.
|
| 08/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Medical bill was reporting to XXXX XXXX XXXX and XXXX. I contacted Eastern account To report the medical bill has been paid in full. They would not help me. I contacted XXXX XXXX and it has not been updated I cant get in touch with XXXX theyre always trying to sell me something instead of updating my report per my request. Should eastern accounts correct send a updated account history to thr credit agencys that it is paid. They are quick to send the bureaus that I owe money but when I ask for them to report to the bureaus I no longer only money they give me pushback it will not help me. Is that illegal?
|
| 06/29/2021 |
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
- Problem with personal statement of dispute
|
|
Web |
|
|
Paid debt in full to XXXX XXXX in XX/XX/2021 - this debt was also in collection 's agency @ Eastern account systems. Both parties were involved, I notified both parties nd both parties continue to report inaccurate information and refuse to update as stated 90 days was the limit for Eastern account systems, this status should have been updated and reported as paid in full as of XX/XX/2021. I have reached out to Credit agency, XXXX, and both parties disputing information-current status of reinvestigation states unpaid as of XXXX despite bank statements and emails submitted as proof of payment.
|
| 02/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2021 I filed a complaint about Eastern Account Services, a debt collector, to the CFPB. My complaint case number is XXXX. On XX/XX/2021 the CFPB sent me a response from Eastern informing me " Eastern Account System has ceased all collection activity per your request '' and closed the complaint. This afternoon, XXXX XXXX from Eastern Account System, called me about this same debt that is not owed. He claimed he has no notes in his system that they dropped the claim. I forwarded to him the case response I received from the CFPB.
Please contact them and ask them to stop harassing me.
|
| 07/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XXXX And Eastern Accounting System submitted a false workers comp statement to the credit bureau for {$200.00} which made my credit score drop 92 points. I tried contact both companies to remove the inarticulate information for my credit file. Workers comp bill should not be sent to collections and I also never received any written letter from XXXX XXXX or Eastern According System. The federal Fair Debt Collections Practices Act prevents debt collectors from engaging in abusive, deceptive or unfair debt collection methods. This method was unfair and it damage my credit.
|
| 10/06/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Thank you CFPB. I disputed this debt on my credit reports by using the dispute options with all XXXX credit bureaus. My dispute explained that the bill was paid on time with the original creditor and it was never in danger of going to collections. I had no idea it was in collections because I paid it. After I disputed the debt, the collection company still kept reporting the debt on my credit reports. This negatively impacted all of my credit scores by reducing my credit scores. This hindered me from using my credit while this collection account appeared on my credit reports.
|
| 07/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Received a letter from Eastern Account Systems stating that I owe XXXX to a dentist. I owe the debt so I paid on XX/XX/23 XXXX thinking that the issue was resolved. I checked my bank account and saw that they took the XXXX out three times, once on XX/XX/23, again on XX/XX/23 and again on XX/XX/23. Ive called them three times and have only received one credit back in the amount of XXXX. The last time I called they said that a supervisor would call me back. Ive heard nothing from them for a week. The person I spoke to said that it wasnt their fault that I paid three times.
|
| 03/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I tried to talk to a representative of the collection agency and they said that although I paid my collection amount through them, they refused to take the account off my credit report. When I pleaded with her to give me a valid reason for the refusal, she stated that they essentially just wanted to keep it on my record. The debt was for medical lab work for {$140.00}, which I paid in full. Is that right, can they just refuse to take my debt off my report? This happened about a month after I paid the collection agency, Eastern Account Systems, which was on XX/XX/2021.
|
| 11/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
|
| 02/02/2024 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received my credit report, and it stated that I opened an account with Eastern Account System on XX/XX/XXXX. I never opened and account with your agency on that date. I never signed a contractual agreement with Eastern Account System for {$260.00}. It's showing up as delinquent on my credit report for creditor : XXXX XXXX
I called XXXX XXXX on XX/XX/XXXXXXXX and they shared that my account was sold to Eastern Account System and XXXX who are collection agencies. I was never made aware of my account being sold to two collection agencies without my consent.
|
| 05/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act, Eastern Account System has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.XXXX Original creditor ( 2 accounts ... continue to open and close on each credit bureau, as well as the dates are not the same, continue to change, I have disputed this account multiple times. Spoke with XXXX XXXX, XXXX and XXXX. It is still on my account. )
|
| 06/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I checked my credit report and found a collections agency : Eastern Account System charge of {$550.00}. The original creditor is listed as XXXX XXXX XXXX.
Eastern Account System did not provide written notification of debt or EVER contacted me about this debt or gave me the right to dispute this debt.
The law : Within five days of initially contacting you, the collector must send written notice of the debt and include : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt
|
| 06/18/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The reason why I am asking for your help in this matter is in XX/XX/XXXX I have decided to check my credit report from all three credit bureau And as I was checking I notices I have 3 debt in collection with XXXX that are not mine so I did a online dispute .I was asked to sent in personal information so I did ..I notices that XXXX have not taken any action in remove those debt off my credit report. XX/XX/XXXX, Collection {$5100.00}, I have dispute it.
XX/XX/XXXX, Collection {$570.00}, I have dispute it XX/XX/XXXX, Collection {$250.00}, i have dispute it
|
| 04/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/- opened a collection.
Account -- N/A stating that I owe {$460.00} I have never signed any written document saying that I owe this debt to the collector.
They are violating my rights of the FCRA as a consumer.
I do not know who they are and have not written consent from my end.
Also, they have not verified that I owe this debt to this alleged company.
Please have this removed from all three credit bureus.
I do not owe this debt to this collector and have not written consent.
Please remove collection from my credit report.
|
| 07/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Per the FDCPA I requested verification of debt from EASTERN ACCOUNT SYSTEM OF CONNECTICUT, via certified mail. I do not recognize how the account is reporting on my consumer credit profile. I do not recognize, the account number, account status, high balance, or late payments associated with this account. The account does not meet FCRA. EASTERN ACCOUNT SYSTEM OF CONNECTICUT has not provided me with a purchase agreement with my signature and the account is still reporting on my consumer report which is a direct violate of 15 USC 1692 ( g ).
|
| 08/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
|
| 04/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A collection showed up on my credit report in XXXX of this year ( 2023 ) from an Eastern Account System. I made an attempt to reach out them to collect more information regarding this unknown collection, and to date, they have not been responsive. A letter was mailed out on the XXXX of XXXX of this year ( 2023 ) to both XXXX and XXXX ; however, I have received no communication as to what this account could have even been about. I requested original docs, signatures, and/or statements -- even allowed more than the 30 days turnaround.
|
| 02/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have attempted in past in writing about this debt. They are INACCURATELY REPORTING and it is a VIOLATION of my consumer rights. I called XXXX and my first date of delinquency dated back to XXXX. Which is TEN YEARS AGO. You can only resort for SEVEN years from first date of delinquency with ORIGINAL CREDITOR. Per my reports they claim XXXX which is FRAUD! They cant change the date.
I wrote them letters to PROVE my first delinquency was XXXX to NO RESPONSE. If they are claiming this as true, PROVE IT. Its not true and they know it.
|
| 11/17/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX says I owe them {$40.00}. I cancelled their service within 30 days pursuant to there satisfaction guarantee which states that I will owe nothing. I also was told that I owe nothing when I turned in their equipment at their store location in XXXX, MI. They have sent the false debt owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CT. I have notified them in writing months ago that I do not owe the debt and demanded proof that I do. They have sent me no proof that I do. Now they are calling several times a day trying to collect.
|
| 05/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
When I learned of this debt on my credit report I reached out to Easternaccos to send validation of this debt. They are reporting on my credit report that I owe {$3800.00} and I've never heard of this company. I never received a bill from them regarding this debt before adding it to my credit report. I have sent several letters certified and they haven't responded but they are still reporting to my credit report. My letter was sent certified and the tracking # shows my letter was delivered on XX/XX/XXXX, XXXXXXXX XXXX NY XXXX
|
| 10/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Eastern Account Systems actively pursuing that two accounts are for regular debt when they are Medical Debt incurred for scans while at XXXX XXXX XXXX hospital. They have refused to mark as such and continue to have it on my credit report properly. The company listed as the original debtor says XXXX XXXX and was incurred at XXXX XXXX 's hospital. XXXX XXXX 's even informed me that it was paid off by donations. They have also contacted me several times with spoofed phone numbers, multiple times a day on a work phone and mobile.
|
| 07/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
|
| 06/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
i requested validation from Eastern Account System XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX of XXXX via certified mail, They did not responded to my request. Eastern accounts is in violation of Fair credit Reporting Act 623-b and violation of the Fair debt collection Practices Act Section 807-80. They have Negligent Enablement of identity Fraud as well as Defamation. As of XX/XX/XXXX this debt continues to be reported negatively on my consumer credit report. I will also be filing a Small claims court case for damages
|
| 05/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act, Eastern Account System ( EASTERNACCOS ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX ( They continue to open and close this account, as well as the dates, continue to change, I have disputed this account multiple times. Spoke with XXXX, XXXX, and XXXX. It is still on my account. )
|
| 09/20/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Eastern Account System of Connecticut , Inc. , XXXX . XXXX XXXX XXXX , CT XXXX - XXXX , XXXX ( XXXX ) AGREED to delete the debt from my credit report upon payment in full on a recorded line. I did pay the debt in full. It is a medical debt and went to collection when I will still making payments in good faith to the original creditor. I checked today and the debt is marked paid in full and not deleted as agreed. The collection agency has not kept their word to me or made false statements to entice me to pay.
|
| 05/05/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received an alert from XXXX XXXX stating that I had received a derogatory collection account from Eastern Account Collections in CT. I immediately called the Company using the phone number provided by XXXX XXXX. The Collection Company confirmed that the account was paid in full and promised to remove the collection account from my credit report. More than a month has gone by and there has been no action to remove this derogatory account from my credit report. This account has caused my credit score to drop by 25 points.
|
| 10/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American, Servicemember |
|
I received an alert from the credit monitoring company that lowered my credit score. The alert was from a collection agency stating that I owed {$1500.00} to XXXX. I do not have nor have I had a XXXX account. The collection agency is Eastern Account System at XXXX. They are located at XXXX XXXX XXXX XXXX, XXXX, CT XXXX. I tried to call them to resolve the issue but my call was never answered. Since then, I contacted my credit monitoring company to report the incident. They suggested that I file a thief ID affidavit form.
|
| 09/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a phone call on XX/XX/XXXX from a so called Eastern Account Systems. They stated u had an accou t with XXXX that went to collection. I asked them to send in writing to validate the debt they were charging me with and they said that they couldnt discuss my account then. Now this so called company reported to my XXXX report the mentionrd debt that they didnt want to send any type of documentation on by mail or discussed it o er the phone because i refused to give them my social security number o er the phone.
|
| 02/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have noticed this specific charge-off on different credit reports for over 15 years and keeps going to different collection agencies and starting over the age of the account as well as the report date. I have put this same company/debt in my XXXX report years ago and seen it taken off, now it's back reporting negatively on my credit report hindering me from obtaining personal credit and business credit. The collection agency is Eastern Account System for {$1700.00} original lender name ; XXXX XXXX XXXX XXXX XXXX.
|
| 02/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have disputed this fraudulent account to XXXX and its third party collection company and they continue to re report this fraudulent XXXX Account to my report. I got a divorce and moved from XXXX XXXX XXXX in XXXX. XXXX says this account was opened in XXXX. When I left we had XXXX XXXX XXXX. If there was a XXXX there I DID NOT AUTHORIZE it. This is not the first account that was opened fraudulently in my name without my knowledge by a person of trust. The dates are inaccurate and the information is fraudulent.
|
| 08/15/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX around XXXX XXXX in the XXXX, I have received a voice mail from an Eastern Accounts System Representative, stating that I have a bill with the XXXX Hospital which totally disagree with that debt because the hospital bill took care of my hospital debt already with the help of XXXX who represents the Registration Department of the XXXX XXXX XXXX XXXX through a financial assistance hospital program, then the caller hung up without notifying myself about forwarding my debt to the credit bureaus.
|
| 07/29/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
XXXX/XXXX/2016 XXXX XXXX XXXX calling from XXXX, returned my XXXX returned call. XXXX called me at XXXX in the morning wanting to talk to XXXX, who has resided over a XXXX miles away, in Texas, for nearly a decade. We live in different states, with different area codes. He claims he did n't know. He is a bill collector, he knows where that relative lives. He knows that he is not to call before XXXX or after XXXX, it is his profession to know. XXXX XXXX said he would take my phone number out of their system.
|
| 04/06/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Reached out to XXXX XXXX XXXX and Eastern Account System about a {$570.00} PAID collection they keep putting on my XXXX credit report. This information is false and this XXXX related was paid over 2 years ago, with proof of cashier check from XXXX XXXX XXXX XXXX Bank. I have attempted to multiple times to get this removed. It is currently hurting me in closing on my house, I need immediate action taken on this false collection. I want someone to reach out to me immediately to get this removed or resolved.
|
| 09/17/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
on XX/XX/2018 I sent a certified letter to company XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX - XXXX XXXX XXXX XXXX with proper identification requesting to see Verifiable Proof ( a original Consumer Contract with my Signature on it ), of the account balance {$110.00} They are required by federal law to verify FCRA ( Section 609 ( a ) ) They did not provide me with a proof of verification, as a gesture of goodwill before litigation if needed, I am requesting removal of this account from my credit report.
|
| 10/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XXXX XXXX I sent Eastern Account System a check which they cashed a check from me in reference to an account that I owed them. I paid {$70.00} for them to delete the account and they said it would be deleted. I filed a bbb complaint and they said they would delete. Then I emailed them again in XXXX that it has been months since they were supposed to delete but it is still reporting and they gave me a 30-60 turn around time from the date they input the deletion request it has been way longer than that.
|
| 07/20/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX turned this to collections without informing me that the insurance coding is incorrect in order for my XXXX insurance to pay. XXXX, my XXXX, refused because of I sufficient coding. It would have been nice if XXXX had shared that with me so I could assist in getting a new code for XXXX to send to XXXX. Yes, you heard that right, XXXX is making me contact the doctor to tell them that they need to send XXXX a different billing code! This does not seem right but what else am I supposed to do?
|
| 04/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Eastern Account Systems has falsely tried to collect debts from me 3 times. Each time I file a complain and request the debt be proved and they change the items on my credit report to {$0.00} balance, but leave it as it had been in collection with {$0.00} balance. I have requested they remove the fraudulent statements on my credit report and they will not do it. They work for XXXX/XXXX XXXX ( particularly WoW ) who give them false accounts and then they just accept the dispute and put it at {$0.00}.
|
| 08/30/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Hello, I am been charge for 2 co payments from XXXX XXXX total {$50.00}, I disputed with them last year because I paid 1 already in the office but looks like they send the case to a collection company Eastern Account System of Connecticut but I did not received a notification in writing or a call from them, they said they did but I did not get messages or letter because I moved from XXXX to XXXX and the amount was disputed but arbitrary they place this account in my credit report without my consent.
|
| 02/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Please note XXXX XXXX are reportinga fraud account onmy credit. I ddint open this account, nor did I authorize anyone to utilize my information in order to open it on my behalf. Upon contatcing XXXX I informed them that the account is fraud, and I was informed that the account will be removed upon payment. I chose to make a payment instead of filing a police report for the sake of time. However, this account WASNT DELETED from my credit ... hence i have filed an FTC report which is attached below.
|
| 09/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Eastern Account System contacted me stating I had a bill with them in collection. I 'd never heard of them. They did not tell me who they were collecting for ( I have since found out ). I wrote to them, informing them I disputed ANY bill with them. I never heard from them again. About 2 months later, I received an email from a credit-monitoring service, stating I had 2 accounts in collection. They are refusing to remove these from my credit report, even though they clearly violated the FCRA/FDCPA.
|
| 12/04/2021 |
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
|
|
Web |
|
|
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX and XXXX Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
EASTERN ACCOUNT XXXX XXXX Opened XXXX XXXX, 2020 Balance {$210.00} ;
|
| 09/30/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XXXX I requested debt validation via a contract from Eastern Account Systems and it is clear that they could not properly validate the debt outside of what they consider statements. Which is NOT what I requested. Because they could not provide the requested contract they stated that they would remove their trade line from my account and cease all collection activities however it is now XXXX and their trade line remains on my credit report. Which is negatively impacting my credit worthiness.
|
| 11/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have no knlowledge of this original creditor. I have never lived in this city. I have had multiple fraudulent accounts appear on my credit report. I have had to call all 3 credit beaurus several times and place credit fraud alerts on my file as well contact the police. I now have to keep my credit files locked and a security freeze at all time. I just had fake names removed off my report. I asked for the addresss to these accounts as they are in XXXX Fl. I dont live there nor have I ever.
|
| 07/20/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American, Servicemember |
|
I filed a previous complaint about this claim in collection, whereas I never got notice of the debt or time to challenge it's validity. Eastern then sent me a copy of a invoice but never proved they or their client ever sent it to me during the 30 or so days prior to placing it in collections and placing it on my credit reports. Just because you make up an invoice does not prove I owe it nor does it prove I was ever given a opportunity to challenge it, this according to Texas State Laws.
|
| 07/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I asked the credit Beauru to do a verification of everything on my report. they did they stated everything was ok I did a thorough research and found improper inaccuraties on my account.
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
|
| 07/06/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have asked the company to removed this information from my credit report, but yet it has not been done, it is still showing up and my credit report as collection paid, closed I have disputed it with XXXX and also with the company .all I am asking for is to have it removed permanently from all of my credit files. XXXX 2016, {$570.00}. what I do n't understand is why should I keeping on disputing this from the first time I asked them to removed this debt I should have taken care of.
|
| 07/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX I received a letter from XXXX XXXX that a payment was due and if not paid by XX/XX/XXXX the account of {$110.00} would be sent to a collection agency.
On XX/XX/XXXX I mailed a check for {$110.00} to the creditor.
On XX/XX/XXXX the check was cashed by the creditor. ( per my bank account ) On XX/XX/XXXX I received a letter from a collection agency stating I owed a debt of {$110.00}.
They are trying to collect a debt that is not owed and has been paid for 24 days.
|
| 05/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
eastern account system incorporated is calling me when I got a new cell phone number saying I'm someone I '' m not.
They just called me a couple times on XX/XX/2017. One of the " agents '' hung up on me when I told them I was a different person than the one they are trying to contact.
When i called a second time to reiterate to them that they had a mistaken identity, i received no confirmation that they would stop calling or trying to collect the mystery debt.
That is all.
|
| 10/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. This collection was a corporate account and mistakenly reported on my profile. The XXXX and XXXX Credit Bureaus had their record-keeping been accurate, and NO payment history provided. The XXXX and XXXX Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, MUST correct or remove this collection account immediately.
|
| 01/26/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
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.
|
| 08/30/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
My wife and I moved to Indiana around XX/XX/2019. We subcribed to XXXX for T.V. Internet service against the advice of other residents that had the service. The service was so bad that we couldn't watch TV because it kept buffering and dropping.We always had a hard time reaching tech support and customer service. We canceled the service within 2 months and returned their equipment. They sent our account to collections to Eastern Account Systems and it's on my credit report.
|
| 10/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA, Im entitled to XXXX XXXX per violation and clearly they violated my rights.
|
| 10/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This company has violated my consumer rights by sharing medical information on my credit report. 15 usc 1681a ( 3 ) ( a ) ( b ) ( c ) clearly states that medical information should NOT be shared on my credit report. I lost my XXXX year and I have been having a hard time trying to move out of the house that we shared together, however, I am force to stay with the memories. I will be reaching out stating my demands if this is not removed my my credit report immediately.
|
| 02/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
This creditor never contacted me about this account.
Now that I'm in the
process of getting a Mortgage this account has shown up on my credit report and dropped my score over 35 points making my mortgage approval fall through after I have put in my 30 day notice with my landlord. I am livid that this account is now showing up on my credit report and nobody has ever contacted me about this. I want this account completely removed from my credit report bef
ore I am XXXX
|
| 03/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Servicemember |
|
" XXXX '' communications shared my personal information to a collection agency named " Eastern Account Systems '' to collect on a past due debt that was n't even mine. The only thing this other person had in common with me was my last name! This seemed to be a " Phishing '' attempt to pay a " past due '' bill. And that " XXXX '' released my information without my consent or for " Just Cause '' .I believe that both companies involved behaved in an unprofessional manner.
|
| 05/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In XX/XX/2022 I moved residence and contacted XXXX XXXX to move service to my new residence. XXXX XXXX services were not available at my new residence, so I attempted to cancel my services and close my account with XXXX XXXX. My account was not closed and I continued to be billed months after I moved. Eastern Account System reported this account on my credit report under collections. I attempted to dispute this account through XXXX but the account was not removed.
|
| 06/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I am receiving non-stop harassing calls and texts from " Eastern Account '' and " XXXX XXXX. '' My mother is also receiving these calls and texts and is being told about this stuff which is not OK. She lives nowhere near me and is calling me to see why she is getting non-stop calls from debt collectors.
I have contacted each company through their site on more than one occasion and have not received a response that provides insight to what debt I supposedly owe.
|
| 04/29/2022 |
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
|
|
Web |
Servicemember |
|
My name is copy written and in violation of my consumer rights. Under 15 U.S.C. 1681 Section 604 A Section 2. This is in violation because I did not give written permission. Enclosed was my copyright sent to the bureas and I have a national UCC-1 attached to my name as private.
Delete the following negative accounts -- Eastern Account System, XXXX XXXX XXXX, XXXX Destiny, XXXX XXXX XXXX, The XXXX XXXX XXXX, and XXXX XXXX. Certified mail was sent out on XXXX XXXX
|
| 12/12/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX a letter was sent to : EASTERN ACCOUNT SYSTEM, XXXX.
XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX Regarding account number XXXX ( tracking number XXXX ). I spoke with a XXXX XXXX today XX/XX/23 who confirmed that the are also known as Eastern Account System of Connecticut Inc and they indeed received the letter but updated my status as a dispute. The company has failed to show proof that I've signed an original contract which constituted this debt.
|
| 02/01/2023 |
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
|
|
Web |
|
|
Submit a complaint In accordance with the Fair Credit Reporting Act, XXXX Account #, has violated my rights.
15 USC 1681 Section 602 states that I have the right to privacy.
15 USC 1681 Section 602 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may mot treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 04/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Filed Ch XXXX in XXXX, it was completed and XXXX in XXXX. Then in XXXX one old collection agency placed a collection on my credit report as if I reopened a account ( re-dated ) it as if new- dropping my credit score and hurting what I have been working on hard for all these years. I disputed with XXXX and XXXX reporting agency but they will not remove it. XXXX isnt reporting it. I have talked to my bankruptcy attorney and he said it is a discharge violation.
|
| 04/10/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I contacted EASTERN ACCOUNT SYSTEMS, INC every 45 days since XX/XX/2021 to validate alleged debt. EASTERN ACCOUNT SYSTEMS , INC. never sent documents supporting any purchase of any medical debt allegedly belonging to me. Collection accounts have been removed from XXXX and XXXX for failure to validate. XXXX refuses to remove these debts and responds to my disputes as " verified '' EASTERN ACCOUNT SYSTEMS, INC.
ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX
|
| 01/09/2024 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This debt collector employed abusive, deceptive and unfair practices, violating the FDCPA. They reported an account we did not agree upon, and I did not sign any agreement. A legal contract involves two parties, and I was not a part of it. Moreover, they neglected the proper 5-step validation procedure, constituting an unfair practice. According to the FDCPA, I am entitled to {$1000.00} compensation per violation, and its clear they infringed on my rights.
|
| 02/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Was not notified of investigation status or results
|
|
Web |
Servicemember |
|
On XX/XX/2019, I sent a certified letter to Eastern Account System explaining to them that I don't recognize the collection items in the amount of {$82.00} and {$440.00}. I also asked them to provide me with proof that this is my debt if they feel like this is an accurate collection. Today is XX/XX/2019 and I have yet to receive a response from Eastern Account System. I would like for them to remove these 2 collections from my account as soon as possible.
|
| 07/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am not liable for this debt with XXXX XXXX.
I do not have a contract with Eastern Account Systems.
They have ignored my request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA.
They have not provided me with the original contract as requested or any other requested information.
Under the FCRA I am entitled to an accurate credit history.
This inaccurate information is hindering my unalienable right to pursue happiness.
|
| 03/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have attempted to contact Eastern Account Systems by mail, email, and phone to verify an item that appears on my credit. I have never received any written communication from this company that I owe them anything but, it was added to my credit file. There has been no response to written correspondence ( U.S. postal mail, email ), and I was instructed to leave a voice message when trying to reach them by phone. I have yet to receive a response from them.
|
| 07/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am billed from collection agency for bill on XX/XX/16 paid by my insurance companies which was primary XXXX paid XXXX, the secondary insurance XXXX would covered XXXX any balances should have been billed to XXXX as a secondary insurance in timely billing cycle. Also medical information was provided to the collection agency I was told XXXX XXXX why would a collection agency need to know personal information provided to them by the hospital
|
| 04/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/2023, XXXX credit bureau collided with XXXXXXXX XXXX XXXXXXXX ( a fraudulent company ) to harm my financial reputation.
XXXX allowed XXXX to reopen a closed account to deliberately affect my credit score.
This account has been challenged as fraudulent, and a cease and desist order has been placed upon them.
They violated such order by contacting XXXX to update my credit profile without deleting the identity theft information.
|
| 12/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
See Attached Company and/or it's agent did a hard credit search that should have! 00 % told them that the debt is question was not mine, but they proceeded to place the Notice of Collection on my credit bureau files . Even the slightest due diligence investigation should have been enough.
As a result my credit score has decreased aby XXXX points.
Although I repeatedly demanded that they remove the collection notice they have not
|
| 10/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I'm entitled to a description of the nature and the purpose of these inquiries. Please provide me with the necessary information regarding inquiries within 30 days as stipulated by the FCRA. If you can not provide a legitimate reason for these inquiries, I request that they be removed from my credit report immediately. Failure to comply with this request will result in my pursuit of legal action to protect my rights under FCRA.
|
| 08/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This debt, totaling {$68.00}, was paid in full on XX/XX/XXXX. I have spoken to the original debt holder ( XXXX ) as well as the collection agency ( Eastern Account Systems, Inc ).
I was informed that it would take XXXX days after XX/XX/XXXX for this item to be removed, which I believe to be a false statement.
I last spoke to XXXX in mid XXXX, and have yet to see any attempt to correct this item on my credit report.
|
| 06/07/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I received a letter fr om Eastern Account System of Connecticut , Inc c oncerning a debt of {$980.00} owed to the creditor, XXXX . After sending a letter to Eastern Account System of Conn ecticut, I received a letter from them with a picture of a screen shot showing my address for the creditor service in XXXX , SC. I never lived in XXXX , SC. If you do a record search, you can see that I only lived in XXXX , SC.
|
| 08/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 states that I have the right to privacy.
15 USC 1681 Section 604 states that a consumer reporting agency can not furnish an 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 plan as late for any purpose.
|
| 05/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
EasternAccount system in CT is trying to collect a debt that I dont owe. I asked them numerous times to verify that the debt belongs to me but they refuse. I put a dispute with XXXX and XXXX. XXXX removed it but XXXX didnt because it was verified by them. They are claiming that I owe a balance to XXXX XXXX but when I contact them XXXX said that my balance is zero. Called them numerous times and never got a solution.
|
| 10/26/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I just got back in town from work. While going through my mail, I come across this letter dated XX/XX/2023 informing me that I have an unpaid bill of {$170.00} with XXXX XXXX XXXX ( XXXX ). This is the second time I have received this letter and have informed them that I still have an active account ( internet and mobile ) with this company. I consider this as harassment and trying to get money from me illegally.
|
| 07/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This account ( XXXX ) is not mine I have no knowledge of this account I have been XXXX since XX/XX/2019, in the companies response to my last dispute they told me the debt was issued through XXXX of XXXX I have no knowledge of this account I did not give my verbal or written consent to anyone to open this account or consume any debt this has been placed on my credit report and it's inaccurate because it's not mine
|
| 05/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the credit Reporting act XXXX account # XXXX, has violated my right.
15 USC 1681 section 602 states I have to right to privacy.
15 USC1681 section 604 A 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 01/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
my consumer rights have been violated under the Fair Debt Collection Practices Act ( FDCPA ). calling me late at night, while at work, during the parent-teacher meeting for my child, I send a cease and desist letter and validation for Eastern Account system debt collector to stop harras me and my family with unconsented phone calls down below will submit the proof of letters that were sent to the debt collectors.
|
| 02/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I reviewed my credit report in XX/XX/2020 and found that I had an outstanding medical debt owed. I payed the debt in full. Subsequent checks of my report show that the debt was not paid in full and that there is still a charge that I do not owe. I have contacted Eastern Account System, Inc. via their contact page and received no response, nor has any correction been made to show that I have paid the debt in full.
|
| 03/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Eastern Account XXXX never served me notice of an alleged debt. I only found out due to finding out on my credit report today and getting the points to fall 14 points. I researched and Eastern Account XXXX is illegally reporting the alleged debt b/c 1. No license to collect in Michigan 2. Lack of service of sending notification Eastern continues to illegally collect and its harming my credit and livelihood,
|
| 12/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Eastern Account System reported a debt from XXXX XXXX NJ Service on my XXXX account. XXXX had mistakenly sent the account to collections even though the equipment was returned. I resolved this with XXXX and they said it would be removed from my report. It was n't. I then repeatedly contacted Eastern Account System and was repeatedly treated rudely on hung up on. They have still refused to remove the item.
|
| 10/04/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I already claimed I did not know what this debt is for and also said that my insurance covers XXXX percent of everything. If the company is refusing to disclose any information about this debt then I will not pay and my lawyer will be contacted. Saying that the account was verified by you does not mean anything to me. Show me proof or drop this issue or I will see you in court. It is as simple as that.
|
| 10/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX sent a letter to me say they are trying to collect a overdue debt from XXXX XXXX at the address of a house I own but do not live at. I lease the house to another person. I explained I used XXXX and never had internet or cable from XXXX. And that I have not liver their for years. They sent the bill for XXXX for one month for a phone bill on a land line that I disconnected years ago.
|
| 02/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
Sent collection notice to XXXX XXXX, which in turn put it on my credit report. The amount in dispute is {$190.00}. This is less than {$500.00}. And should not be put on my credit report. I talked to Eastern Account Services and was told by XXXX XXXX that I would have to pay a fee to have it disputed. I contacred XXXX XXXX and they stated they would leave it on until paid, even though it is disputed.
|
| 01/04/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The debt has been paid in full with the doctors office and Eastern XXXX will not remove it from the credit reports as paid in full. I have contacted them and the doctors office has contacted them several times. It is ruining my familys life with this debt staying in my credit report purposely to hurt me. They keep saying its verified but it is not verified and not owed. It has been paid in full.
|
| 11/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My debt to Eastern Account Systems was paid on XX/XX/2021. They later reported the account as a collection account to the Credit Bureaus on XX/XX/2021. I have requested that both they remove the account from my credit report however they have denied my request. When I initially paid the account I was told that it would not be reported to the credit bureaus upon my payment however they still did.
|
| 06/29/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I went by the cable company that placed the accounts on my credit they told me that it did not mach my account information with them. But they couldn't do anything about it and I had to file a police report to say it was fraud. But the I don't know if it was fraud because the only info that matched mine was the name and birthday ( XX/XX/XXXX ). Everything else was different. This was XX/XX/XXXX.
|
| 07/14/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
|
| 07/24/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In 2015 I went in to have some dental work done by XXXX XXXX. We began the process but was unable to finish because I moved to the state of Florida. Though we did not complete the process I was still charged in full. I was unaware until I received the bill from the collection agency that I still owed XXXX XXXX 's office. Despite not agreeing with the charge I still payed in full immediately.
|
| 12/19/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
EASTERN ACCOUNTSYSTEM XX/XX/2023 {$55.00}
|
| 05/30/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent EASTERN ACCOUNT SYST, at XXXX XXXX XXXX XXXX, CT XXXX. a validation of debt letter an I still haven't heard from them or received any letter from them validating the debt they say I owe. I sent a letter through U.S postal service certificated mail. I also have a copy of the letter I sent that an both my letter and the one I sent them are notarized by the same person at the same time.
|
| 04/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, EASTERN ACCOUNT SYSTEM, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
|
| 06/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I, XXXX XXXX, have falsely been accused of having a debt with XXXX XXXX XXXX I have disputed this debt, first, with XXXX, then, subsequently XXXX collection agencies. There has been no justification of services rendered for any debts owed. The most recent collection agency is EASTERN ACCOUNT SYSTEM OF CONNECTICUT , INC . I am tired of being harassed over a debt I clearly don't owe.
|
| 03/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I paid a medical debt on my credit directly to XXXX XXXX XXXX. I have informed both XXXX XXXX XXXX of the payment as well as the 3rd party company Eastern Account Systems. I was promised removal of debt from my credit reports XXXX, XXXX and XXXX upon payment. I want the negative remark removed from my credit because its damaging my ability to purchase a home and obtain new credit.
|
| 12/02/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
|
| 06/14/2016 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I started making payments on the debt but then my account was sent to collections. They were sent a letter providing them with information as to whom the remaining balance of my bill should be sent to but then I received a couple of notifications from a collection agency who has now posted the debt on my credit report, which has caused my credit score to drop significantly.
|
| 06/14/2016 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I started making payments on the debt but then my account was sent to collections. They were sent a letter providing them with information as to whom the remaining balance of my bill should be sent to but then I received a couple of notifications from a collection agency who has now posted the debt on my credit report, which has caused my credit score to drop significantly.
|
| 11/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have worked on my credit dilliently for a number of years and suddenly get a Collection for {$640.00} from Eastern Account System on behalf of XXXX XXXX. I do not owe them any money. I attempted to get details on when the debt was incurred and for what address, etc and I was unable to from Eastern. I disputed it through the bureaus and did not get the information either.
|
| 05/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Older American |
|
# 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 any purpose.
|
| 01/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices.
|
| 12/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have filed a police report and a ftc identity theft report and sent the copies of the report to each account that has been fraudulent opened in my name to each.My house was broken into and my computer, phone, ssc and birth certificate was stolen. I have several accounts that is fraudulent opened that needs to be closed and deleted of credit report as soon as possible.
|
| 09/19/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I never received information regarding a debt from Eastern Account System. I have no idea where this debt is from. I have excellent credit and funds available to pay this debt but they put it on my credit report just as I am applying for a refinance on my mortgage. Now I ca n't get them to remove it. AND I DONT EVEN KNOW WHAT IT IS FOR BECAUSE I NEVER RECEIVED NOTICE!
|
| 10/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I received an alert from several credit monitoring services that a new collection account was placed on my consumer credit reports from Eastern Account Systems , IncXXXX Eastern Account Systems , Inc has never contacted me by mail, phone or email about any debt, nor did I give them consent or authorization to access my credit reports from any credit reporting agency.
|
| 09/07/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I requested validation of the debt. The company sent me a screen print of the purported debt from its own computer system. It has not sent me any contract between myself and the alleged original creditor, and it has not provided me with any statement sent to me by the creditor. I do not owe this debt, and a screen print from the company is insufficient validation.
|
| 11/17/2020 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Eastern Account XXXX has obtained this debt from XXXX XXXX XXXX and the number that I was provided is no in service ( XXXX ) nor is the website on the letter available for a " live chat '' as indicated on the letter. When I contacted the original merchant, XXXX they have the same outdated contact information that I already attempted to resolve the account with.
|
| 09/15/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XXXX I received notification that a collection was added to my credit. I have made multiple calls and sent emails with no response. They never tried to contact me or mail a letter proving the debt was mine. I have no knowledge of this debt. I sent an email asking for them to prove my ownership of the debt with no response. I could not get anyone On the phone.
|
| 09/18/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have sent a letter out to the agency on XX/XX/XXXX disputing a debt of {$1800.00} and with delivery confirmation, I knew they got it on XX/XX/XXXX. This letter requested the agency to send me all the information by law about the debt within 30 days. There was no response from the agency. On XX/XX/XXXX I had a letter sent out by my attorney regarding the issue.
|
| 12/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt is fraudulent and this account is over XXXX XXXX XXXX, and had been removed from my credit report. Now it magically reappeared. I disputed it with creditor, XXXX online and a dispute letter. They claim it's mine, but no proof has been sent to me to the fact. I want to mention that XXXX XXXX XXXX is facing a lawsuit due to incorrect billing practices.
|
| 07/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have MULTIPLE fraudulent accounts opened in my name against my account! I have tried MANY times to get these charges off my credit with a response of, 'its my responsibility to pay. ' The accounts are not mine and I did not open them so I will NOT be paying someone's fraudulent charges in my name. Please get back to me ASAP to resolve all of this. Thank you.
|
| 04/20/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Eastern Sy stems Posted a debt collection on my credit repo rt EASTERN ACCOUNT SYSTEM I Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CT XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Address Identification Number : XXXX Status : Collection account. {$59.00} past due as of XXXX 2017.
|
| 01/13/2020 |
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
|
|
Web |
|
|
Amount of debt {$120.00} : I have disputed with XXXX XXXX, XXXX, sent certified letter to the debt collector ( Eastern Account System ) on XX/XX/19, asking them to verify the debt with my signature and/or provide names and address of person who verified the debt. NO response.
Eastern Account System just continue to verify as accurate on credit report.
|
| 04/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
I was notified on XX/XX/2023 by XXXX credit bureau of a delinquent account from Eastern Account System, Inc. on behalf of XXXX XXXX XXXX.
I do not/have not had an account with XXXX XXXX XXXX, and I have no affiliation with the reference to address in XXXX, Florida.
This is not my account and somebody is using my name and information fraudulently.
|
| 11/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX is continuing to report a debt as verified. This debt is an open fraud case with law enforcement and open case with XXXX XXXX XXXX XXXX ( as regulatory agency for original creditor XXXX ). This has been deleted off of XXXX and XXXX. XXXX keeps reporting information that is identity theft.
Alleged debt is : eastern account systems.
XXXX XXXX
|
| 11/15/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I moved out of the house. I paid off the owed amount and told them to shut off the service.
They continued to charge me and I emailed them via their billing notification that I was no longer there and do not want the account.
Also when there was one missed payment they shut the service off so i was might only owe XXXX month 's worth of internet.
|
| 10/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
A few minutes ago, I received a notification of a new entry in my credit report. When I checked, I saw a listing for Eastern Services for a debt of {$110.00}. I have never heard of this company in my life, and I never received any correspondence from them. Not sure how to validate a debt with a company that doesnt communicate. This is awful.
|
| 09/23/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Eastern Account Systems continues to report a debt on all 3 credit reports that has been recalled by XXXX XXXX XXXX not once but twice. They refuse to remove even though they have no ownership of account nor do they have a contract. It has been recalled therefore they have no rights to report or attempt to collect. Violating all FDRCA laws.
|
| 11/03/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I received a letter from the company and the validation tells me nothing. Who does this doctor work for? Where was this test taken? This doctor is not one I have ever seen or heard of, if he was contracted to review a test then who did the test and where? I will not pay for something I know nothing about and this letter provided no answers.
|
| 12/12/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid a collections owed to Eastern Account System in full and they are still reporting that I owe {$110.00}. I have a screenshot of payments and the amounts but can't submit it because XXXX doesn't accept those file types. I sent a dispute a few days ago and XXXX said they verified that the debt is correct and that I still owe the money.
|
| 05/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Around XX/XX/2022, I called XXXX XXXX XXXX to inquired about the inaccurate reporting of a debt from XXXX I explain to them that the debt wasn't mines because I never had service with them moreover I was XXXX during the time. I have attached a letter to prove that I was XXXX during the time this account was opened. Instead they ignore me.
|
| 07/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX has reported a collection account to XXXX claiming that I owe them {$180.00}. This reporting is either the result of identity theft or an egregious mistake on their part. For all I know it could be a scam? One thing I know for sure is that I do not owe XXXX any money, and this reporting is inaccurate. I want it removed immediately.
|
| 06/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
( EASTERN ACCOUNT SYSTEM ) at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ) has been sending me collection notices in the amount of ( {$98.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
|
| 04/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
EASTERN ACCOUNT SYSTEM, INC. has collected a debt from in the amount XXXX. I have paid this debt to them and have requested that they update my credit report showing that the debt has been paid. I have filed 3 disputes to get this corrected on my credit report and EAS keeps verifying that the debt is still owed to the credit burrows.
|
| 12/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This fraudulent account has been identified with the original creditor XXXX XXXX XXXX XXXX as a fraudulent account but has appeared twice on my XXXX and XXXX credit report as a new account for an amount of {$110.00} and {$150.00}. This need to removed immediately as this issue has been resolved with the original creditor as fraud.
|
| 08/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not own or know these accounts. I demand an investigation and removal of these accounts that do not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due, and Date of Last Payment are missing in this report. I am wondering why it ended up under my name. This is ridiculous and incorrect. I demand this will be deleted.
|
| 01/26/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
My credit report shows a collection from Eastern Account Systems that I do not owe. I have made repeated attempts to clear this up and the company refuses to stop reporting on my credit report. They continuously update the account in a shady attempt to lower my credit score. This companies business practices need to be investigated.
|
| 07/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I sent a Certified letter to Eastern Account System for reporting inaccurate information to the credit bureaus ( XXXX, XXXX, XXXX ). The company refuses to delete or to provide adequate proof that the claimed debt is mine. The are still reporting this inaccurate item as of XX/XX/XXXX it is still on my credit report.
|
| 07/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I requested that Eastern Account System validate an account that they are reporting on my credit report from WOW. The company has not validated this account and the account is still on my credit report. This is not my account. The company has not provided a written agreement with my signature on it proving that this is my account.
|
| 12/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am writing in response to the debt collection notice I received from your company regarding the alleged debt that you claim I owe. I am requesting that you provide me with validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ).
EASTERNACCOS ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
|
| 02/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Easter Accounts Services are reporting a fraudulent account on my credit. I dont know what this account is as i never received services with this company. I am not responsible for the {$80.00} as the service werent incurred by be. Please remove this account from my credit. Please see the attached Federal Trade Commission report
|
| 05/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My credit score has been declining and I have just started to actively monitor my credit through XXXX XXXX. While going through my XXXX report on XX/XX/XXXX I discovered a derogatory mark from XXXX from XXXX XXXX. XXXX XXXX claims a debt obligation of {$220.00}. I have never subscribed or interacted in anyway with this company.
|
| 07/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
|
| 04/01/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have requested validation in regards to the following collection, I got a printout from them saying the amounts, I don't know if that is the amounts I was told how much of it insurance was supposed to cover. I therefore requested more information to which I got no response yet they keep verifying this information the XXXX.
|
| 04/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Eastern account systems just responded to a complaint here/ Im adding it all They claimed to YOU a government agency that they are asking for XXXX from me.
They just lied to you. Oh my credit report they have it listed as XXXX. Im adding that as well. Since when can a bogus company lie to a government agency See attached
|
| 08/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have a collection that was recently added for XXXX XXXX XXXX for the amount of {$210.00} by Eastern Account Systems. I have contacted them about this collection but Eastern Account is saying they did not report this and have no record of it. I also contacted the medical facility and they don't show me having a balance.
|
| 06/26/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX internet service has placed a equipment charge of XXXX in collection with Eastern account system that's on my credit report. That was opened on XX/XX/23 and I have spoke with XXXX cable service five times in the last month. I spoke with XXXX on XX/XX/23 and confirmed that they received their equipment on XX/XX/23.
|
| 07/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Company reporting to credit reporting companies This account isnt mine. There not able to provide proof of ownership. None of there information is correct.
XXXX XXXX XXXX is reporting a account charge off. Ive never had a XXXX XXXX XXXX card This account appears been opened online none of information matches mine
|
| 12/23/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Contacted Eastern Account System on multiple occasions, XX/XX/2018, XX/XX/2018 to understand where this debt was coming from. Insurance covered all costs and I copaid at hospital. I would like this debt immediately removed from my credit report because they can not find any paperwork to support my owning the debt.
|
| 04/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act XXXX EASTERN ACCOUNT SYSTEM,, has violated my rights.
15 U.S.C 1681 section 602 A. States I have a 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.
|
| 08/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I checked my credit report today and realized I had a collection from Eastern Account System that I was unaware of. My credit dropped from a perfect XXXX to XXXX because of this. I never received a letter or collection from Eastern Account System.
The report says this was reported to credit bureau XX/XX/21.
|
| 06/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Eastern Account System were contacted on numerous occasions with information stating the account doesn't belong to me. I have a letter from XXXX XXXX that states this, but Eastern Account System continue to place this negative report on my credit. I've been fighting / disputing this company for months now.
|
| 07/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I do not recognize this alleged debt and I refuse to pay it. I do not have a legal or binding contract and have never done business with Eastern Account Systems. This account was also closed and reopened. It should be deleted for this reason alone. I am requesting that this debt be Validated not Verified.
|
| 03/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have a 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.
|
| 06/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Eastern Account System of Connecticut , Inc. continues to attempt to collect a debt from me and report on my credit report for a debt that debt that is not legitimate. I have requested proof of this debt and they have only been able to produce an invoice, which is not proof of the legitimacy of this debt.
|
| 08/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I've Disputed this bill multiple times, I've went in and also called in. They first told me they couldn't find the account. I've written into all 3 credit companies stating this account isn't mine. It was removed before and a year later added again. This account should belong to XXXX XXXX NOT XXXX XXXX.
|
| 04/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX has credited my account {$140.00} XX/XX/2020 and sent me a VISA card for the same amount. On XX/XX/2020, I received a notice from a collection agency on behalf of XXXX, for the amount of {$140.00}. I have communicated this dispute in writing to XXXX and the credit collection agency on 3 occasions.
|
| 11/09/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
medical treatment was giving less than a 6 month period and is already in collections, this isn't fair specially during an pandemic they broke up my bills as 7 different Derogatory marks against my credit report instead of one complete remark, this affect my credit report dramatically and is not fair
|
| 04/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX and XXXX sold a debt to Eastern Account Systems. My personal information was used to open an account with XXXX XXXX and XXXX. I informed them of this and the debt was removed. However, they sold my personal information to Eastern Account System conspiring with the initial identity theft.
|
| 04/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Eastern has an account on my credit report that is false representation. I did not owe neither have I paid their company any money. I would like documentation with my signature stating that I made an agreement with this company to do business with them. I want this account removed from my report.
|
| 04/14/2017 |
Yes |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
Eastern Collection placed XXXX on my credit report because of a doctor visit in XX/XX/2015. Agency never mailed any information about debt to my address, never knew anything about debt. Never received any communication from this agency of doctor 's office about the debt until two years later.
|
| 12/16/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid the balance on XX/XX/XXXX. They said that they would report on XXXX XXXX XXXX that it was paid in full. Its still showing as unpaid on my reports. I have disputed it with all three bureaus and they still refuse to remove it even though I can show the transaction where I paid the debt.
|
| 03/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Eastern Accounts and XXXX XXXX are reporting fraudulent accounts on my credit. I didnt open these accounts nor did I authorize anyone to do so on my behalf. Please see the attached FTC report and my driver license. Please stop the fraudulent reporting and remove these accounts from my credit
|
| 01/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
EASTERN ACCOUNT SYSTEM has been sending me collection notices in the amount of {$240.00} XX/XX/2021 The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This Company does not have a contract with my signature.
|
| 05/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I checked my credit report yesterday ( I haven't check my that for a while ) and surprisedly found a {$200.00} collection record from EASTERN ACCOUNT SYSTEM reported in last XXXX. I've never been contacted or notified for this debt at all from neither creditor nor collection agency.
|
| 06/15/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I just noticed this week that I had an account in collections. It shows this account was sent to collections 2 years ago and I was never notified. I never knew I even had a payment due. I did not receive any phone calls, emails, or letters in the mail. I want this charge removed.
|
| 05/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
On XXXX XXXX, 2015 I requested proof of debt, under FDCPA, 15 USC 1692g Sec. 809 ( b ) that my claim is disputed and validation is requested.
What I got from Eastern Account System Inc. was a computerized generated print out. This is not valid proof.
See attached leeter.
|
| 10/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Bill was paid cancellation of internet/cable service XXXX said they did not receive equipment but they did the company was switch to Eastern Account which is not XXXX cable service tried years to complete this dispute they will contact me back or answer my calls to settle
|
| 09/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX {$870.00} The account was settled and paid, but this remains on my credit report as a collection.
EASTERN ACCOUNT SYSTEM / XXXX XXXX {$190.00} The account was paid in full, but this remains on my credit report as a collection.
|
| 11/11/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
As of XXXX/XXXX/XXXX your tradeline remain on my account. Please remove ASAP. Never received contract only statements. Requested CONTRACT AND STATEMENTS to properly validate the account. As of XXXX Ive only received statements no contract. Contract was requested in XXXX.
|
| 06/23/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
What is this? I never received any communication from the collection agency, and as you can see, there isn't even an account number listed. How could they possibly have taken steps in making sure they were putting this on the right report? I want it removed immediately!
|
| 10/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This collector is not licensed in my state. Under the Fair Debt Collection Practices Act. Im not liable for this debt with Eastern Accounts System. I do not have a contract with the collection agency. They did not provide me with the original contract as I requested.
|
| 07/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Due to Covid-19 was told I had time to pay the bill, paid bill in time but they had reported to credit reporting agency anyway. I do believe it was not done intentionally. Its been tuff on all.
Eastern Accounts System : XXXX XXXX {$0.00} due account # XXXX
|
| 03/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Wow sold a account that they are saying is mines but it is not to EASTERN ACCOUNT Systems! This account does not belong to me!!!!! I filed an identity theft report on this said account that is reporting on my credit report TWICE!! ( THAT IS ALSO ILLEGAL )
|
| 01/29/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
CREDITOR : XXXX Date reported XX/XX/year> DATE ASSIGN : XX/XX/year> AMOUNT XXXX Account # : XXXX I have collections that don't belong to this account which can cause harm to my credit. Also getting reported on different accounts under different names.
|
| 12/01/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC
|
| 02/05/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
repeated attempts to get correct information on my credit reports XXXX, XXXX and XXXX. I have made payment on XXXX XXXX XXXX account that is associated with Eastern Account system.I have made payment and want account from credit report immediately.
|
| 11/27/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
My information was wrongly used I had a fraud alert on my credit profile I didnt create these collections on my account I would like to remove all collections or inquiries on my credit profile I didnt have any idea my credit profile was being used
|
| 10/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In regard to credit monitoring services via XXXX, A data breach was initiated. This caused inaccuracies to appear on my report creating a financial hardship regarding any credit services.
XX/XX/2023 I filed a claimed, in regard to the breach.
|
| 02/10/2017 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Collection Company Name : EASTERNACCOS reported to XXXX that I did not paid {$220.00} XXXX. I have called XXXX to send me the invoice or what is the charge. Customer service not able to explain or not able to send me the invoice.Please help me.
|
| 12/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Had a place in my name with roommates with the rent and utilities being split between three people. I was unaware that the cable by XXXX was put in my name after I left the roommate situation. Currently in collections by Eastern Account Syst
|
| 03/22/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I am request for to validate this alleged debt to clarify everything. I am not aware of this account with you so please send me validation and send it as a response to this complaint for CFPB to see it aside from sending it to my address.
|
| 11/21/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I REACHED OUT EVERY XXXX DAYS TO THE FOLLOWING DEBT COLLECTOR FOR THEIR SUPPORTING DOCUMENTS TO PROVE THIS INDEED WAS A DEBT THAT BELONGED TO ME. NO COOPERATION.
EASTERN ACCOUNT SYSTEM XXXX XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX
|
| 03/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
EASTERN ACCOUNT SYSTEMS ADDED A PAID OFF DEBT TO MY CREDIT REPORTED EVEN AFTER IT WAS PROVED THIS DEBT WAS NOT VALID.
THE ACCOUNT WAS CLEARED IN XX/XX/XXXX AND THEY ILLEGATED THIS DEBT BY ADDING IT TO CONSUMER REPORT IN XX/XX/XXXX.
|
| 02/08/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
|
| 07/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
|
| 09/24/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Before Eastern Account System reported the debt to credit agencies, they never talked to me in person, neither did they send me a notice in mail.
They have violated my right to dispute the debt.
Amount : {$88.00} & {$28.00}
|
| 07/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I requested debt validation which was never received. I also sent validation letter via certified mail. The account was removed from transunion but remains on others. This debt was never validated and is in violation of fdcpa
|
| 10/23/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Eastern Account System of Connecticut Inc. or their client Wow! internet services has never addressed four letters I sent to them and fraudulently reported a past due, that I am not responsible for, to collection agencies.
|
| 08/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Disputed eastern account services with XXXX this accounts aint mine. I have asked for proof of ownership none can be provided. Also have asked for signed credit application with my signature on it none can be provided.
|
| 07/03/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This debt that is being collected is not mine. I never owed the amount stated. I asked repeatedly for a verification of debt and for a detailed invoice. There was no responses, nor anything presented to prove the debt.
|
| 04/29/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Written numerous letters requesting debt collector to verify debt. Spoke with rep by the name of XXXX who could not verify debt information. {$260.00} XXXX which is reporting twice on my credit report from this company
|
| 05/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX utilized Eastern Account System to collect on a debt that was resolved back in 2015. They did not provide me written notification and have now added this debt to my credit report causing a serious negative impact.
|
| 08/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I filled a dispute for An account that I didnt recognize that had a {$3600.00} Debt and it was hurrying my credit score dramatically the company Name goes by XXXX XXXX XXXX Under Eastern Account System.
|
| 07/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I filed in with XXXX and XXXX to have eastern account system remove from my account and asked for proof of debt never recieved the information. Showing proof of debt. Since I did not have an account with XXXX.
|
| 12/07/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I recently disputed a medical charge with XXXX to have it removed from my credit report as it came back verified. I requested documentation to prove this debt belongs to me but I have not received any proof.
|
| 04/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
|
| 10/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Did not receive no collection letter or knew the company existed until I received a credit alert on my mobile phone. I would think there would be some sort of correspondence or verification on said debt.
|
| 11/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This debt is over 10 years old. When I moved down south in 2010 I turned off the services at XXXX XXXX XXXX. They sent me a bill saying the service was used at other addresses in CT and it wasn't me.
|
| 03/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
XXXX XXXX XXXX and eastern account system still posting derogatory marks on my credit report after they agreed to remove. I have filed chapter XXXX. These companies have received my discharge orders.
|
| 02/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The debt reported on my credit score is a result of fraudulent activity. The debt shown is fraud and I would like it removed off my credit ASAP, or me and my XXXX will have to use legal action.
|
| 07/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This debt was completely paid IN FULL to XXXX, I don't have an account with this company! I tried reaching out multiple times! this is closed, I don't have an account nor do I owe any funds.
|
| 01/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The debt for {$360.00} should have never been a collection debt anyway. It was paid and after investigating, they saw that the debt was paid but still placed the debt on my credit bureaus.
|
| 02/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My credit score is extremely low due to someone using my name for a utility bill. I need help removing this from my credit, I've tried to dispute this multiple times but I've had no luck.
|
| 03/12/2021 |
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
|
|
Web |
|
|
On XX/XX/2021 I requested that both the credit reporting company and XXXX investigate the account that is listed in the letter and have not heard anything back from them in about 120 days
|
| 07/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX {$440.00} XXXX XXXX {$440.00} Opened XXXX. XXXX, XXXX ( XXXX yrs ) Account status Open Original Creditor Name XXXX XXXX Closed Returned equipment but never removed off my credit
|
| 01/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have paid Eastern Account System a total of XXXX on the account, the balance should be XXXX, the balance before was XXXX. I would also like this to removed from my credit report.
|
| 08/17/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am not aware of this alleged debt and the collection company that is collecting the debt. I ask for an original bill of the debt and company didnt provide me with such details.
|
| 10/25/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The company is trying to collect the full amount of medical services provided without attempting to bill my health insurance first. I provided my health insurance information
|
| 06/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There is an account that I did not open it was an ex that used my name, I paid for it just so it was negative on my credit file but am requesting it be removed.Please help
|
| 03/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.
|
| 01/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.
|
| 07/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Eastern account system has an account on my credit report that does not belong to me. Enclosed is the copy of the complaint and account information that I sent to Eastern.
|
| 08/23/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
PAID CO PAYMENTS BEFORE GOING TO THE DOCXTOR OR THEY WOULD NOT SEE ME HAVE INSURANCE ANY THEY PAID FOR ALL THE BILL DOCTORS OFFICE IS WRONG DO NOT OWE ANY BALANCE TO THEM
|
| 06/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This debt was added to my account XX/XX/XXXX without my written consent.
IT isnt the correct amount, and Ive asked that it be removed from my report numerous times.
|
| 10/03/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am honestly not sure what this is for but my insurance covers XXXX percent of everything. Maybe you should include more information when sending someone a notice.
|
| 01/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A medical debt for {$80.00} from XXXX XXXX XXXX. The original creditor was XXXX XXXX XXXX. I do not know of this creditor and the reason the debt is in my name.
|
| 10/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have a collection that's not mine on my credit report from eastern account syst on XXXX in the amount of XXXX and a lot of credit inquiries that are not mine
|
| 02/19/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Eastern account systems account # XXXX Did n't provide adequate verification for debt. In question no documents were provided showing a contract or signature!
|
| 11/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2021 eastern account systems reported a collection of XXXX dollars to XXXX, XXXX, and XXXX. This account is not mine and I have no knowledge of it
|
| 05/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was told that the incorrect collection account would be removed when paid. It is still showing on my credit report even though it has been paid in full.
|
| 11/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
EASTERN ACCOUNT SYSTEM put a collection on my credit on XX/XX/2022, somebody opened that account fraudulently on XX/XX/2022, balance owed {$200.00}.
|
| 10/08/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Eastern account systems has continued to old medical bills, that have pass the statues of limitations and it should not appear on my credit report.
|
| 05/23/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent a debt validation letter 2 times and each time this company failed to validate my debt..
Letter 1 sent.- XX/XX/22 Letter 2 sent.- XX/XX/22
|
| 01/11/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The company is violating my right of privacy as the consumer, company is not authorized to do business in my state of residence, see attached
|
| 02/14/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Eastern account systems did n't provide adequate verification for debt in question no documents were provided showing a contract or signature
|
| 11/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Eastern Account system is saying I owe them for an unpaid cable bill. I never had a cable bill, so this has to be a case of identity theft
|
| 06/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I recently lost my social security card and idea in my wallet I been noticing a lot of inquiries on my credit that I wasnt aware of
|
| 05/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Payment was made through insurance and company has been informed multiple times but still applying debt not owed to credit report.
|
| 02/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX is reportig 3 fraudulent accounts to my credit. They dont belong to me and I am requesting their removal from my credit.
|
| 03/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
|
| 08/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I sent notice to them and the credit agencies stating this debit was paid ; both said the debit was verified as not being paid.
|
| 08/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I GOT A CALL SAYING I OWED XXXX BY A DEBT COLLECT EASTERN ACCOUNT SYSTEM, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX
|
| 03/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
2019 someone used my name an social security number without my authorization I never had an electric bill before.
|
| 01/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid this debt in XXXX my verification number is # XXXX Please get them to stop reporting I owe them.
|
| 12/19/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX is claiming that equipment was not returned but it has been returned and the confirmation exists.
|
| 05/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Someone has used my info and all the unpaid debts are on my credit.
From XXXX XXXX. Not mine. Fraud
|
| 04/09/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent XXXX XXXX a certified letter asking for proof of verification and I never received an answer.
|
| 05/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This account was paid in full in full on XX/XX/2021 and it should not be on my credit report.
|
| 03/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is debt from 14 years ago, I am assuming. They could not even tell me what was it for.
|
| 10/23/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not have a contract with Eastern Account Systems. I am not liable for their debt.
|
| 10/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX Hospital has paid 60 % of the bill and the amount on the credit report is wrong
|
| 10/08/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX account systems XXXX XX/XX/2023 date assigned XX/XX/2023 XXXX acct# XXXX
|
| 01/18/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I try to dispute these debts which I don't know anything about and they refuse
|
| 09/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Eastern Account System is reporting I owe a gas account and that is incorrect.
|
| 08/03/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
This amount came from equipment they said I did not return when in fact I did.
|
| 03/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have a fraudulent account on my credit report that I have never heard of.
|
| 03/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have a fraudulent account on my credit report that I have never heard of.
|
| 05/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I paid this account off and it needs to be removed from my credit report.
|
| 04/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
i paid this particular accout back in XXXX sometime it was paid in full
|
| 06/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
- Problem with customer service
|
|
Web |
|
|
I was affected by XXXX and I failed to make some scheduled payments.
|
| 08/23/2023 |
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
|
|
Web |
|
|
I never heard of XXXX XXXX XXXX and I do not recognize the amount
|
| 09/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid XXXX. And they sent to collections
|
| 08/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Not in contract with this company.
|
| 08/24/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have no knowledge of the account
|
| 06/14/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This has been paid by insurance.
|
| 01/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft
|
| 10/18/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX is not mine
|
| 12/04/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Not my debt
|
| 02/11/2024 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/10/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/09/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/09/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/08/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/08/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
|
| 02/07/2024 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/06/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/05/2024 |
Yes |
- Debt collection
- Telecommunications debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/05/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 02/02/2024 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/02/2024 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/01/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/01/2024 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/31/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Debt collection
- Telecommunications debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/16/2024 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/12/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/07/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/02/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/13/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/08/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
|
| 12/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/04/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Phone |
|
|
|
| 12/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/02/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 11/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
Servicemember |
|
|
| 11/15/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/08/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 11/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/06/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Electronic communications
- Contacted before 8am or after 9pm
|
|
Web |
|
|
|
| 10/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/24/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/19/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/13/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/05/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 10/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/03/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/02/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/28/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 09/27/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 09/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/19/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/14/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/11/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 09/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 08/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 08/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 07/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/19/2023 |
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
|
|
Web |
|
|
|
| 07/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 07/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/30/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
Servicemember |
|
|
| 06/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 06/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/09/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 06/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
Older American |
|
|
| 06/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/04/2023 |
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
|
|
Web |
|
|
|
| 06/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 05/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 04/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 04/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/09/2023 |
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
|
|
Web |
|
|
|
| 04/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 04/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 04/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 03/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 03/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/10/2023 |
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
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 03/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Older American |
|
|
| 02/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 02/03/2023 |
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
|
|
Web |
|
|
|
| 01/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 01/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 01/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/07/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 12/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 12/09/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Referral |
|
|
|
| 12/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 12/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 12/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 11/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 11/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 10/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/01/2022 |
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
|
|
Web |
|
|
|
| 09/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 09/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 09/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 09/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American, Servicemember |
|
|
| 08/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 08/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 08/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
|
| 07/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
Older American |
|
|
| 07/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Phone |
Older American |
|
|
| 07/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/15/2022 |
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
|
|
Web |
|
|
|
| 06/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 06/14/2022 |
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
|
|
Web |
|
|
|
| 06/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/31/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 05/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 05/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Phone |
|
|
|
| 05/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 05/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/04/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/04/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 03/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 02/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 02/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/29/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 01/20/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/19/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 01/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/10/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/06/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 12/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
|
| 11/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 10/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
|
| 09/28/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/31/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/13/2021 |
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
|
|
Web |
|
|
|
| 08/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 07/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/23/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 06/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/17/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/04/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/23/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/22/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Postal mail |
|
|
|
| 04/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 03/26/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 03/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
|
| 03/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/06/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 03/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 02/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 02/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/05/2021 |
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
|
|
Web |
|
|
|
| 02/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American, Servicemember |
|
|
| 01/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/06/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Postal mail |
|
|
|
| 12/02/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 11/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/16/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 10/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/23/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/22/2020 |
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 |
|
|
|
| 10/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American |
|
|
| 10/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 09/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
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
|
|
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
|
|
Web |
|
|
|
| 09/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/17/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 09/12/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 09/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/31/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/27/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/07/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/04/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/31/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/24/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 07/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Postal mail |
|
|
|
| 07/15/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/17/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/28/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/28/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Postal mail |
|
|
|
| 04/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 04/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/08/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
|
| 03/02/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/14/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/11/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 11/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/19/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/09/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/01/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/28/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/07/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 08/20/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 08/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 08/03/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 06/17/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/01/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 04/29/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/03/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/30/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/27/2019 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/20/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 01/31/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/29/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Servicemember |
|
|
| 01/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/05/2018 |
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
|
|
Web |
|
|
|
| 11/27/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 11/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 10/25/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 10/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 09/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Postal mail |
|
|
|
| 09/18/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 08/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 07/28/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/23/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/10/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/08/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
Servicemember |
|
|
| 05/02/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 04/19/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/14/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/05/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/29/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 01/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Fax |
|
|
|
| 01/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 12/06/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/04/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 10/11/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 10/01/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/18/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/08/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/31/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 08/22/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/21/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/15/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/05/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 08/01/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 07/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/14/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 07/01/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
|
| 06/14/2017 |
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 |
|
|
|
| 05/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/05/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/25/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/13/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/12/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/06/2017 |
Yes |
|
- Incorrect information on credit report
- Account terms
|
|
Web |
|
|
|
| 03/31/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 03/27/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/14/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Postal mail |
|
|
|
| 03/10/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 02/28/2017 |
Yes |
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 02/21/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/06/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 01/26/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 01/20/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American |
|
|
| 01/15/2017 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
|
| 01/09/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 12/19/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 12/19/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 11/04/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 10/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 10/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 10/12/2016 |
Yes |
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Web |
|
|
|
| 09/25/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 09/08/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Fax |
|
|
|
| 07/21/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 06/11/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/09/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 05/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 05/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 04/05/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 03/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/25/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 01/18/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/20/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 09/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 08/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/31/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/13/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 05/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 05/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 05/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Older American |
|
|
| 05/20/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 04/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
Older American, Servicemember |
|
|
| 04/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 04/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 04/08/2015 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
|
| 03/24/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 03/17/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/13/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
|
| 03/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated shouldn't respond to lawsuit
|
|
Web |
|
|
|
| 02/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American |
|
|
| 01/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/26/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/21/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 01/13/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/02/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/31/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/25/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 12/22/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/18/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/16/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/10/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 12/08/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/28/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 11/25/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 11/24/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/23/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 11/15/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 11/13/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/06/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/05/2014 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
|
| 11/05/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 10/09/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American |
|
|
| 10/08/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 10/06/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Postal mail |
|
|
|
| 09/22/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 09/19/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/14/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/21/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 08/19/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 08/13/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 08/10/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 08/02/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 07/20/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 07/14/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/26/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/12/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/10/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 06/01/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/03/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/24/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/22/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 04/22/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/17/2014 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
|
| 04/05/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Postal mail |
|
|
|
| 04/01/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 03/28/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/17/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/15/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 02/27/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/24/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 02/17/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/14/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/07/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Older American |
|
|
| 02/05/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/04/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 01/31/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
|
| 01/24/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/23/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American, Servicemember |
|
|
| 01/17/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/15/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/11/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 01/08/2014 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
|
| 12/23/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 12/07/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|